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Paying for transactions on expired credit card
I have a credit card account with Bank of Scotland which I took out in 2003, late in 2004 I came out of work and arranged no interest payments with the bank until I resumed work, the card expired in 2005 by which time I had resumed work and started paying interest again on the card, the bank did not renew my card but I…
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Interest Payment on Paid off card
I recently took a loan out to pay off a credit card, they made it a stipulation of the loan and I had to go into my bank to finalise the loan and pay off the card along with another loan I had with them. I made a payment on the balance of the card and the lady in the bank then called the card services team to advise them…
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Card Protection???
I have card and key protection wiv ccp for £35 per annum. Was wonderieng if any1 else has card protection in place or has ever had to use it, also who wiv n how much? Regards Chris
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Egg Minimum Payment Calculation
Hi Guys I am just updating my budget spreadsheet and I have come to adding my Credit Cards to help me organise min payments etc. I have been on the snowball calculator and thats great. I would like to make Excel to add the interest on my credit cards so I can work out min payments etc. I have been on the Egg website and it…
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best card with 0 credit history
Hi My nephew is looking for credit card. He has never had any credit before. He is 28 years old and disabled. He is good with money and is sure he can pay any debts in full at the end of every month. He only has his benefits but has few overheads. He wants to benefit from free insurance and free credit (up to 51 days).…
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Looking for advice re: Experian
Not sure if I'm in the right place but it looks like it. I'm looking for some advice regarding Experian. A couple of weeks ago my Mum mentioned to me that she'd had two letters, personally addressed, from a house-builder (company) suggesting that she might be interested as a first-time buyer in their new build properties.…
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Good credit rating but refused credit card
Just been refused a credit card by HSBC who I also bank with. They said I had a good credit rating but as i've been away travelling and not had money paid in every month the last 6 months they wouldnt process the application. They didnt do a credit check so this shouldn't have lowered my score. I get my first pay at the…
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How long does a company have to charge my credit card?
not sure if this is the right area for this. if not sorry. We had a HIP/EPC carried out on our house in August 2008 when we were going to put it on the market. We gave the company our credit card details to pay the £215 for the HIP. As far as I was aware this payment had been received, I don't look close at my online…
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Help me help me help me! Please x
I have amoung other debts 2 cedit cards one with £2500 with an interest of 50% ish and £2000 of 39% I have bee paying minmium payments for ages. I cant see how I am ever going to pay them off unless I get the interest reduced in some way. I have tried ad failed to get a personal loan with a smaller apr on more then one…
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New Credit Card - Low Earner
Hi all, hope you can help me. I wish to transfer the balance from my overdraft to a credit card. I earn approx £11,000 and was wondering which (if any) credit card would be the best to apply for? Many thanks, Ben
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Which card to pay £3k off?
Hi All I have no (far too many!) CC's. Had to use them to renovate house we rent and also to help us move and pay stamp duty when we bought last year. I have just received £3k which i am going to uuse to pay off some of the CC debt. Here goes, i have: Egg £5190 MBNA £8247 Abbey(Santander) £1500 Abbey(MBNA) £9000…
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is this full and final settlement?
I have made f&f offer to Kpr, and got this back: Dear Mr R Account Number:xxxxxxxxxx Outstanding Balance:£1717 This letter confirms the agreement made with KPR Debt Collection to settle the above Nationwide Credit Card account Account Number:xxxxxxxxxx Payment Due:£637 Payment Due Date:17/09/2010 Payment should be made by…
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Vanquis visa card problem?
Hi i have a vanquis visa card which i have not used for ages. Anyway i checked my online account today as i was planning on closing it and i noticed that the balance was saying balance £2 available £1930.80 so i phoned them up and they said that a transaction was authorised today the 8th sept 2010 for £67.20 but has not…
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Charges made on credit cards
We were purchasing a new card and wanted to pay off £5000 using our Capital One card, we were going to pay this off in full, but the transfer of money was taking time. Although the garage knew this was how we were paying the balance they did not tell us until we went to collect the car that there was a 2% charge. Can they…
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Charges - Paypal currency converter or visa ?
Help!! I am a new member and I have never posted a thread before- it's taken me ages to work it out!! I want to make a purchase from USA. I know all about the handling charges and customs and the probability of extra charges. However I didn't realise that Paypal and Visa will also make a charge for converting the currency.…
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credit card for the internet
There used to be a credit card available that created a new card number for each transaction. (No one could steal your card number as it changed every time.) Does it still exist? Does anyone know of a similar ultra-secure offer? Thanks
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20yrs with Nationwide and treated with insensitivity
Hi I need some advice on the way my husband has been treated by Nationwide regarding his credit card. My husband was made redundant recently from a job he's held for nearly 18 years. Now on hearing this we started to look at options just in case he found it hard to get a new job. At this point we have my wage which is…
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Finance approved but not credit cards?
I have a few finance agreements for different items: car, camera, games console. I have always paid on time, never defaulted and never needed a guarantor to obtain the finance. I applied for a credit card the other day to purchase a holiday with and had my application rejected. This is not the first time that this has…
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Problem with MBNA CC 0% Money Transfer
Hi, Recently I had a promotional offer of 0% interest on balance or money transfers with my MBNA card. I took up the offer and did a money transfer online. I have now discovered I have been charged interest - apparently there are two ways of doing a money transfer and I went through the wrong screen and thus chose the…
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Lost credit card account
Unfortunately not my HSBC credit card account has disappeared. HSBC have closed the account and passed to Metropolitan collections services who have said they don't know anything about it. Happy times!!! owed £10K+ and no one wants me to pay them :T:T Only probs is cant clear my credit report because I cant pay it. Any…
