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Does a lot of credit cards look back on credit rating?
Hi, hope I'm posting this in the right place, just wondered if someone could give me some advice. I am currently in the process of divorcing my husband and we have agreed that I can keep the house and take on the mortgage providing they will let me. I will need to submit all the relevant forms with my incomings and…
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best card to use in america
i am off to florida soon and want to know what the best credit card to use is i pay the bill when it comes in so just need to know what one is the best for not having charges
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Declined for RBS CC - Quick advice
This is the first time I have been declined for ANYTHING. Never had any problems with applying for anything before and my credit score has always been high! I thought I had a pretty good score but was declined because of my score, so the guy says. Is it difficult to be accepted by RBS or something? I know the credit search…
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Taking out a loan or buying on credit that I cant pay back for 12-24 months.
I am a 28 year old mature student who is about to start year 2 of a 2 year course. I am in desperate need of new equipment (camcorder, lens etc). The college's equipment that they lend out is no better than what I currently own and I believe I am not entitled to a student loan. --Extra info--- I am experienced in what I do…
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Sygma Credit Card
Hi, Last week i applied online for the flybe credit card which i believe is part of Sygma and got instantly rejected for it. I have checked my credit profile with experian and equifax and nothing untoward is on there, all up to date with green ticks. I applied with Capital One middle of July and was succesful for there…
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Which card next?
Hubby earns £16000 approx so doesn't qualify for some of the cards. He already has Halifax One, Virgin White MBNA, HSBC. All just about to finish 0% end of Oct with a total of £5500 needed to transfer to new 0% card. What would be his best option to get the 0% and big enough credit limit? Thanks
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Incorrect interest charged on Card
a question: suppose a credit card company has been charging the incorrect rate of interest applied to an outsatanding balance on a card. A rate that was in the customers favor. A rate which had been repeated on each month bank statements as the interest applied. and following the final clearing of the ballance noticed the…
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Santander zero app.
first time poster so youll have to ber with me.:) I have recently just applied for a santander zero card. i have noitced to my credit file has been searched today so i am now waiting on a decision from them. i have previously been declined for credit cards in the past year due to a notice of correction that was on my file…
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Increasing limit on my credit card
Hi there I currently have a credit card with a limit of £500 which I have been paying the minimum monthly payment on for probably 18 months to 2 years. It is currently sitting around £300 of debt. I am going on honeymoon at the end of the month and have hired a car. I have paid for this by debit card but unfortunately I've…
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Credit file not updated - LloydsTSB Credit Card
Hi, My Fianc!e had a LloydsTSB credit card which has subsequently been paid off and closed down, however Experian still has it showing on her report with an outstanding balance. We have contacted Lloyds numerous times asking them to update the file their end but it has still not been done. Is there anything we can do? The…
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Vanquis Cash Advance?
Hello all :) OK been accepted for a Vanquis card, at last I can make a real start on re-builiding my credit file, had the call from the this morning trying to sell me their PPI and also a cash advance, I said no to both, my question thosu is they never told me my intial credit limit and I did ot want to ask, they did…
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What to do????
I am looking for advice please:o. I have trustcard with LLoyds TSB and the current balance on there is just under £10k. I have been paying my monthly bill regularly and on time. The monthly fee I have been paying is around £210. I am thinking of transfering the balance to a new 0% credit card, ideally with a limit of £10k.…
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Credit card payment instead of direct debit.
Hi, I am new to this so if you need to know any other info just ask. Basically I have had this idea of paying my car insurance off in full when its due for renewal instead of paying monthly by direct debit (which actually works out and around £200 more when done monthly) My though is that since its coming up soon and I…
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Credit Card Debt - Relief Required
I've just spent th morning going through all my credit cards. I have 3, Egg, Virgin and MBNA. All of them are full up to the limit, about £10K. The reason im in this mess is because Im useless at keeping on top of them in terms of swapping them between 0% interest balance transfer offers - which was my original plan. Im…
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New to Credit Cards, simple question!
Hi, First Thread so apologises if I don't post all the relevant details. Okay, I don't know if it a credit card or a loan I need?? Over the next month I'm looking at getting new flooring and a new external door totalling at around £900. I can pay around £200-250 per month back (I know I should save up but winter months…
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Turned down!
Hello! I have a 0% balance card with Virgin which is due to expire next month, so need to get another one! Did my credit check with Credit Expert, and my score is 999. Went to their recommended credit card tab, and applied to a Nat West Premium, but have been turned down! Is there any point in trying with another company,…
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Credit card applications, address and electoral roll
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Provided wrong bank account number in order to receive payment
I recently organised a party for a friend and paid for it on my credit card. At the time of paying I didn't realise that the venue had not taken the deposit off so upon realising a day later I asked for them to refund the money (£50). They agreed and requested my bank details in order to perform an urgent bank transfer. It…
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consequential loss
Hi I booked flights with the now bust goldtrail company on my capital one visa credit card. My flights cost £1100 which is covered by Atol but my new flights cost £1750 as it was a lst minute booking. Can I claim the difference from my credit card company as a consequential loss. I have called them and they said I can not…
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Tesco Clubcard Credit Card
Is the Tesco Clubcard Credit Card for real? I THINK it gives me 1% in vouchers for every £ I spend at Tesco and 4% in Tesco vouchers for every £ I spend elsewhere !! What am I misunderstanding ?? John
