-
from credit card debt to loan @ 24.3%
I had a credit card more or less up to it's limit, which I paid more than the min amount off each month, occasionally using the card for small purchases as a convenience every now and then, my card was up for renewal recently and I have been informed that they will not send me a new card the account is now closed, but I…
-
Goldfish
After all the fuss about Goldfish points being slashed in value, I just got a £15 M&S voucher for 2625 points which is the same value as before August 1st. Not great value, but not reduced in value either. Has anyone else noticed that their points are still worth the same?
-
Credit report - Electoral roll
Hi folks, I recently got declined for a new credit card, I have a clean credit history so I was slight puzzled. I applied for my credit report from all 3 agencies. In my CallCredit report, I noticed the following line under my address: Date from 04/2007 to 10/2007 Opted Out Annual Electoral In my Equifax report, it states…
-
Remortgaging with credit card debt
Could anybody please advise me on what effect £6-7,000 of credit card debt would have when we remortgage. We currently have £3000 on a 0% card for the next 12 months, but we are looking at buying a new car for £6000 spread over two cards. We would keep balance transferring and paying the minimum plus a little extra, over…
-
Section 75
I purchased a car last month and it is under warranty which has a limit of £2500. My car, costing £5500 all paid on my Barclay Visa card, has blown up on the side of the road and there are loads of things now wrong with it. As the limit for each claim is £500 and I want rid of the car. Could I claim this as section 75?
-
Buy Now Pay (a lot more) Later
Hi, can anyone offer help/advice? I had several purchases on a buy now pay later offer with very.co.uk. I received a statement saying I needed to pay by 28th September to avoid paying any interest. I paid my balance off in full. When I received my latest statement, I had been charged nearly £70 in interest. I immediately…
-
Pre-Paid Cards usage in cyprus
Hi Can anyone tell me if these cards are accepted in cyprus , I was thinking of taking the matercard one from the moneyshop . Its basically to have as an emergency , we will take a few euros for the odd meal out . I just don't want to get caught out Many Thanks :)
-
Credit Card in Cuba
Hi I am going to Cuba in October and want to pay for trips on credit card to save taking loads on cash. Could anyone tell me is I can use any of the following Barclaycard Egg Capital One Tesco Thanks
-
Transaction deadlines.
Is there a transaction deadline. I paid for something whilst on holiday. They used an old fashioned card swiper thing, which I signed for. That was August 16th and it was for quite a lot of money £300. So is there a deadline for when it should come out?? I am not fussed, but just curious.
-
Credit Limit Increase
Hey folks, Wondered if I could get a bit of advice. I've got a Lloyds TSB Airmiles Duo card which I've had for a couple of years now. Every 6 months since I've had the card, the limit has been increased automatically. Statement has been produced this month and there has been no increase. I have just bought a new car a…
-
do all debts show up on a credit check?
im applying for a mortgage so i decided to do a credit check on all 3 the banks use. i have 4 creditors and the one with the most money owed did not show up. im very grateful for that the others did and are small amounts i just wondered why my huge debt did not show up i have had the card 30 years and paid it off a few…
-
Store Cards
Hi all has anyone ever converted a store card into a fully bona fide credit card? I have a house of fraser store card (so can only use in store) but would like them to change it to a proper cc (will be a mastercard) not sure if i should call to try to change over or cancel my current store card then apply again in 6…
-
Credit Card Help
Hello, I've never bothered with a credit card before, however, I would like to purchase my honeymoon without taking out a loan. The idea is, purchase the honeymoon now, and then pay off in 6 months when we get married as we are asking for money as a wedding present. I'll be looking at putting approx £1,500 on it, and…
-
Lloyds TSB lost my original CCA
I am not sure where I should post this, so perhaps a Mod can move this if its in the wrong place. I have had this ongoing struggle since March 2010 with Lloyds TSB to give me a copy of my original credit card agreement. The agreement was made around 2003 and I cannot find it in my records. I sent to them the templates…
-
Moving money from a credit card to a bank account.
I need to pay my rent this month but have ended up a bit short, I bank with natwest and have been approved for a credit card. Am I able to transfer money from my Credit card over to my bank account, so that I can write a cheque to pay my rent? Also the card that I have applied for, had 0% balance transfers, would this be…
-
Barclaycard simplicity - balance transfer not activated
Hi, Is there any reason why I can't do balance transfer to my new Simplicity card with great 6,8 APR? I got 10k limit and 3k cash but can't transfer from another card (which I want to close anyway, I like this Barclaycard - seems much better comparing to my bank's CC). Also, if apr is always 6,8 it means that I can SPEND…
-
Santander Credit Card Confused
Hi, I have been reading this forum for some and know people have been experiencing lots of problems with Santander Credit cards, but I was wondering if anyone can shed any light on my current situation? Yesterday, 4th September I received a letter from Santander stating “We’ve reviewed your application and unfortunately…
-
halifax credit card.
does any one know how long the members offers page has been down for?
-
Cash off CC if desperate
HI. When it comes to putting down my deposit for a house I may be £2K short, so as a last resort I could use my HSBC Visa CC to get the money. Whats the best way to get it, I know I can get it over the counter but the charges will be high. Is there any other way no as costly? .Tony
-
Who takes American Express?
Based on your weekly e-mail I applied for an American Express Card hoping to spend the required amount to get the full £90 of M&S Vouchers. Yesterday I spent £133 in Makro and was told they don't take AE. I also put a £600 deposit on a suite of furniture and again the AE card was refused. Not sure I'm going to be able to…
