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Halfax Clarity Credit Card
Forgive the ignorance, but if the card says that there is no cash withdrawl fee, does this mean only in the UK or can I use the card abroad taking out cash and not be charged anything?? Also if this was the case, would this be better than using a Nationwide account to withdraw money or would it be better for me to continue…
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Charging Interest after balance paid off?!
I paid off my credit card before the due date last month(£4k). Looking forward to a clear balance I have just got this month's statement but was shocked to see a £40 interest charge!! They said it was reclaimed interest from the date of my last statement to the date I paid the balance. I thought thats what due dates were…
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Best 12 Month 0% Purchase Card For Abroad
I am looking for the best credit card to use for my 6 months travelling the world (USA, Fiji, NZ, Oz and Thailand). I won't be using the card as a main source of cash, just for the odd big payment, i.e hostel/hotel/tour bookings. My estimates have the total expenditure at £2500 over the 6 months; a total of about 20…
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pls advise on credit card / bank debt
Hi All, Not 100% sure this is the correct thread to post in, so sorry in advance if incorrect... My mother has recently come to me for help as she has got herself into a mess with credit cards. She has over the years built up credit card debt + bank load debt of 50K plus on various cards/banks, it has got so bad that I am…
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Barclaycard (late payment) charges
Hi Mostly a lurker and not a poster on here so much but looking for some advice please if anyone can help. My partner has a Barclaycard (from his uni. days) and we know that it was maxed out (approx £1800). We moved house in October last year and since we moved we have never received a statement from them. We have called…
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Amex - Late Payment Marker - How to Remove?
I checked my Equifax report this evening as I haven't checked it in a while and Amex have put a late payment marker down for May 2010. I was made redundant at the start of the year and took advantage of the redundancy cover that I had with Amex whereby they cover my payments. There were some issues around April/May time of…
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Rejected by Santander......Barclays Accepted!!
Needed to move some debt (3k) to an interest free card(15 months). Rejected in no uncertain times by Santander....but welcomed wholeheartedly by Barclaycard Gold. Have my mortgage with Santander and 30K equity in home.Whats the problem?? Also ...whats to stop me moving it again in 15 months....If I haven't cleared it??
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Credit Card question
I ran up a debt of £14000+ on my Egg card when the rate was a good low 7.8%. When things started hitting the breaks with the credit industy (at least three years ago from what I remember) they suddenly increased their rate to 28.9%!!!!!! As I couldn't pay this large an amount as a lump I've been paying the minmum each…
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Gift vouchers purchased with credit card
I purchased £100 worth of gift vouchers on my credit card, to spend at a beauty spa retreat. Since I have purchased the gift vouchers, the spa has gone in to administration, so the gift vouchers can no longer be spent. Would I be able to get the money back for the gift vouchers as they were bought on my credit card?
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electoral roll
Hello, I have been in the UK for two years. My wife is French and I am from latin-America. My wife was offered a credit card after a few months of opening the account. Two years later it is still impossible for me to get a credit card. I checked my credit report a few times and as today the score is 799. Everything is in…
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Credit Rating Help
Hi Guys, I'm completely confused about this one, as to why I always struggle to get credit cards, I've read most of the guides and check most of the boxes but for some reason I usually get declined. I'm 21 - self employed, and have a monthly income after tax of around £2,200, obviously it varies month on month, but…
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Edge Card - Replacement card?
Hey, My Edge card went missing - wasn't sure if I'd lost it or it had been stolen. I called them up and was told I could get a replacement in 10 days. That 10 days came and went. I called them about 14 days later after the first call and they cancelled my account and sent a new card out, which I was told would take 10 days…
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credit card payment
Hi there, We have just returned from holiday, Our credit card payment is due by the 1st of October. I have paid it today, Do you know how long it will take to reach my account? I have paid it in the bank. Thanks janette xx:)
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Barclaycard Platinum Simplicity question?
Anyone know if you can do a super balance transfer (ie cash to bank account) with this card? Am thinking of using to clear my O/D?
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Loan to pay off Credit Card?
I have a very large amount owing on my CC and am paying around £258 month (minimum amount). Even If I pay more than minimum amount, the bablance is dropping very slowly. It looks like it will take many years at this rate to pay off. I was considering taking out a loan to pay off this card and repay the loan over five…
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balance transfer question
do you know how much it is to transfer £5000 from a lloyds tsb credit card to a tesco credit card? do they charge per thousand? or a one off on the whole balance?
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credit card protection?
I recently purchased a car from a car auction and i paid £100 deposit on my credit card (plus 2.5%), I paid the balance of £900 with my debit card, on my way home the clutch went in the car and so wasn't driveable, because the car 'was sold as seen' the auction have told me i have no comeback because of this and all they…
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Should I cancel the card or not?
Hi, I have 2 credit cards - tesco clubcard credit card with the limit of £400 and Santander credit card with the limit of £2000. I only use the tesco card because it is gives me better benefits (clubcard points) but the santander one has got lower interest rates. I always pay off the full amount (the balance is usually…
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Close BarclayCard before applying for another?
Hi all, I'm just about at the end of my 6 months interest period on my BarclayCard. I plan to pay off the outstanding balance in full. I don't plan on using the card after this as I already have a regular HSBC Credit Card that I use. I want to apply for a Tesco Credit Card to take advantage of the 13months interest free…
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Issues on credit report
Hi all, Not sure if this is the correct place to post this, but the official thread regarding credit report is in this forum so hopefully so. I recently tried to join Tesco Mobile, and when doing it online, I had several issues. To cut a long story short, I ended up trying to sort it out 4 times and had no success. I gave…
