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Asda Credit Card
Hi, Any idea if Asda Credit Card accepted faster-payments? I have just made a payment through HSBC initial screen showed:- This payment will usually be credited to the beneficiary account within 2 hours. The payment cannot be recalled. When I clicked on confirm then it showed:- The payment has been sent. However, the…
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Credit Card Protection
Hi Folks, I am thinking of buying tickets for a footie match in Spain from a ticket agency. I am always wary of dealing with these agencies as they are just glorified touts. Can anyone tell me if in the event of the agency not coming up with the tickets, will the credit card company refund my outlay? Cheers Davie
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Debenhams Card - pls advise, thanks.
I went into Debenhams today intending to buy make-up. The lady asked if I had a Debenhams card. I said No as I don't shop there often. She said it was quite good and I would get 10% off my purchase today. I said I did NOT want a credit card (I do not have any credit cards as I'd rather have the cash to pay than borrow) but…
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Shifting money from a Credit Card
Help. I have had some work done that I wanted to pay off on my 0% Purchase Credit Card, however, the builder is saying he cannot accept a Credit Card payment (very odd imo). Anyway, how do I use of get the credit off my credit card to my existing bank to pay off the bill. I was thinking thinking of doing a balance transfer…
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Stressed over CC interest
Hi, Hopefully someone can help... I've a credit card with Halifax that has £3,322 owed on it. The interest free period has ran out, and next months interest is £53. (17.9 % APR). I went into Halifax today, and they suggested a loan to pay it off. They were offering £4,700 at 28.8% APR, monthly payments £164 and Total…
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Credit Card Refund
My mum told me about this yesterday .... if you're not the primary card holder and you order goods online on your secondary card and you don't receive them etc you will not be protected under section 75 of the Consumer Credit Act. Have a read ...…
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Need help about a Balance Transfer Card
Hi I've been able to avoid having a Credit Card for many years but I had to get one for work (when I work away). Recently I helped out a family member by paying off something for them on the card and they are paying me back, but the intrest is cranking up. I'm looking towards doing a Balance Transfer but because I've never…
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Need £10,000 Credit Card with Bad Credit - Help needed!>?
Hi, I have been rejected by numerous loan companies for a loan of £10,000 due to my credit history. Is it possible for me to borrow £10,000 on a card, or maybe across two cards. I will be able to pay off about £500 a month and hopefully should be able to pay off the balance earlier, after about 6 months. I am desperate for…
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Which credit card? or not...
I'm currently thinking about getting a new credit card, and want to know if anyone can helkp me choose which one i should go for based upon my credit history. basically around 18months to 2 years i had a particularly bad period on missing payments, when I was self employed and not getting enough money in to meet the bills.…
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Natwest Credit Card 1 day late
Paid my Natwest credit card one day late....does anyone know if this will be reported to the credit reference agencies as a late payment? I know MBNA only report a payment as late if it is completely missed?
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Renegotiating apr
I'm just wondering if anyone has tried renegotiating the apr on their existing credit cards? I'm paying the full whack at the moment and want to switch to a 0% to pay it off. However, I only work part time now so don't earn to 10k you need to earn to apply for a new card. The other alternative is that my hubby gets the new…
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Do Tesco ever have promo deals for exisiting CC customers?
I currently have a Tesco credit card with a 3K limit and no balance. I am looking to transfer some debt from my Egg card to another card. I don't think I will get a new card from anyone else at the moment as I just got a new one from HSBC which I transferred some debt onto at 0%. Ideally I would be able to transfer the Egg…
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Santander Zero - Online Access - £50 reimbursement!
Hello, My first post here, but I have lurked often over the years. I am still, just by a single thread, a Santander Zero customer. I signed up last year but didn't start using the card until around April 2010. I requested online account access to make it easier (by avoiding their hellish phone systems etc.) for me to…
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Rebuilding credit, whats next?
Hi Guys, I've been visiting this site for several years, for one reason or another, but have never registered, so anyway, here I am! I used to have a good credit rating, with no problems getting loans, cards etc, however a couple of years ago I had employment problems, which resulted in my credit rating becoming... well,…
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Credit report question
Hi all, Checked my credit reports and all seems relatively OK, however I have noticed that my first entry onto the electoral register (only registered 2 years ago) shows my surname spelt differently. (For example: Instead of Jones, it says Hones), the second entry is correct for the year to date. Will this impact my credit…
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Which portion gets paid off first?
I know it's not the done thing but if I were to borrow say £500 cash (total balance £1500) on a Natwest card and then balance transfer say £600 from that card to another would that clear the cash transaction and the higher rate imposed? Are they obliged to make it work in your favour or are they going to screw me over and…
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BT to Barclayard with existing balance
Hi All - just wanted a bit of advice on whether to do a balance transfer. I have a barclaycard with a very bad interest rate of 27% on a balance of about £5600. I also have an Egg card with a balance of about £2800 which I could transfer to the barclaycard at 6.9% for life. My question is whether it would save me money…
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Credit reference agencies - time scales
Does any one know how long it takes for credit reference agencies to receive and show account information updates? I closed 4 unused credit accounts a couple of weeks ago in an attempt to reduce my £30k of available credit, however this is still not showing on Experian..... Any comments gratefully received!
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What are ageoff points?Has my card been hacked?
I have just checked my statement and I see I have a payment to something listed as AGEOFF POINTS. I have googled this and cannot find any real information. I checked last months statement and seen it is there. I do not have any direct debits set up to my credit card so im a bit suspisious now. In case it matters the card…
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Looking for new Credit Card
Hello there all I am wanting to get a credit card to make my credit score better. I dont think I have one at the mo. I'm not in any debts apart from my mortgage which I am starting to over pay on. I earn about 10k per year, and just looking for the best one for both myself and my wife.. (she looks after our daughter) and…
