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can credit card companies put their rate up anytime?
ive had a letter from c card company saying rate is been increased from 26%apr to 29% apr thats awful? do they have the right to do that? my min payments vary between £300 £330 a month with the increase what would it be now?
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Daughter want s to disasscotiate with me
its a long story daughters been for a student account and causes ive made a few late payments shes been declined we,ve been told to disassocaiate her with me but is there a quick way cause she needs to open the student account asap its so stupid y
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How much do "they" know???
When searching your credit references how much information can the agencies see? There is a lot of personal information kept on file(s), can they only see the first page or so or can they see all of it? (posting for friend not myself but all replies gratefully received) x
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CRA Why do I need to pay for my data ????
They sell my data to other parties, making money from it. Why do I need to pay to get those data ? In my opinion I should get some percentages of pay that you receivee from the companies accessing my data .... :j I am expecting representative from Experianc, Equifax, etc to explain about this or somebody else who might…
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Claim Reward for MBNA
How to claim reward in MBNA. I am aware that sometimes they offer product and buy with reward points. But the problem with this is, they offer product that I do not really need or I could find it cheaper than waht they are offering. Is there any other way, for instance to get cash, etc ... ADINDAS
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HELP!!! to university equipment, dont have money now but i will have it in March????
Hi I don't know if this is in the correct forum but... I'm a First Year Student starting a Photography course in two weeks, i have sorted everything out for going to University and moving away from home, which is a very expensive!!! I have opened a Natwest Student bank account and recieved a £500 Overdraft which I have…
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Travel credit card?
Hi, I am about to travel Asia for 3 months and I'm looking for a credit card to take with me as a backup plan should I run out of money. The Halifax clarity looks like a good one? any one used it before? I have not had a credit card before and would like to find out if you can get a deal whereby you don't have to start…
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Repayment order question!
I have £10k on a Virgin Atlantic Amex currently at 29.9% :eek: If I pay off £5k and then do a £5k 0% BT to the card, will my subsequent payments go towards the £5k at the 0% or the original £5k at the 29.9%? Thanks
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Cloned on the internet lloyds tsb card
Please help me, my card found out this morning has been cloned, not sure if on the internet or in a shop but they have been using it to go on an internet site blizzard to get war games, used it for 2 loans against my address and have also taken out money, what do I do? I have contacted the bank etc but online what do I do?…
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Cancelling transactions
On the weekend I bought some clothes from an on-line shop in USA (Promotional clothing) and the upshot of it is that the delivery address is wrong (wrong country and it will cost me a lot to send on to the right one), I have called them (left messages on answer phone), sent e-mails which come back as undeliverable. Now I…
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My Egg rate reduced from 19.9% to 17.9%
Egg jacked my rate up a few months ago so I jumped ship to another card. Just got an email telling me the rate was on its way back down again and they were also throwing in a 0% (with fee) on transfers until March 2011. Standard variable annual interest rate for Purchases Was : 19.9% Now : 17.9% Not that 19.9% was so bad…
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aktiv kapital - who??
I have today received a letter from Aktiv Kapital stating that they are acting on behalf of Barclaycard and that I, or my husband, owes £7,114.34. They have also said that if we pay within 14 days they will knock 35% off the bill. Neither myself or my husband has a BArclaycard although he says that he had one at the age of…
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Switch bank or provider?
Hi, morning all. I'm looking to change my credit card as the 0% has run out and I still have a bit to pay off. I know that I need to switch to a different provider, but does that mean that I'd need to switch from say Halifax to Tesco for example, of from Mastercard to someone else? I've not been able to find this out…
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Closed credit card account
Hi As a new DFW my mission to clear all of my debts started last week, yesterday i received a new card from mbna which i had transfered the balance from and forgotton about. Its so easy, as i have done before to spend on the new clear card thinking you'l pay it off when the bill comes in, but not any more. i just phoned…
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Move Preserving Credit Limit
I want to bin my old card and get a new one with the same or similar Credit Limit of £11,000. I pay the balance off monthly, have no other credit cards or debt so presume a good credit score. How can I find out what Limits other card providers will offer me without making multiple applications and harming my score? Any…
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M & S Credit Card
My 80 year old mother has an M & S credit card on which she is paying 23.9% interest. She is a pensioner and has no other means apart from her pension and income support. Does anyone know of a credit card which will accept a balance transfer so that she can pay less interest please?
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Virgin Altantic Credit Card
Sorry, wasn’t sure whether to post this in Credit Cards or Holidays! I was just wondering if many people have had any experience with the Virgin Atlantic Amex Credit Card and getting rewards from it? I basically want to know how I can maximise the rewards I get with my flying club account. I may be missing a trick here but…
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As a student could I stooze?
What's the best credit card deal out there that I could use to stooze? I'm a full time student with no job, but I make nearly 20k/year (after taxes) from working at my hobby. Thanks
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0% ad disposable income
can you ditch and switch if you dont have enuff income to pay current credit cards but have a fab credit score and never missed any payments. do they card company work out your income/expenditure...disp income??/
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American Express Platinum 5% cashback card help
:D Hi I am going to be paying for a holiday next month which is going to be £2k i need to clarify some things regarding the 5% cashback card from American Express, please help: 1) When will i receive the 5% cashback for the 2k holiday will it be end of the year or on the next statement?? 2) For the holiday If i paid a…
