-
Credit Card fee kept by vendor
We recently made a purchase on line and the vendor had a problem getting the funds authorised and wanted additional payment to secure the flights unrtil the funds had been authorised by the bank. We refused to pay any additional money as as far as the credit card account was concerned the money had left our account. They…
-
Halifax Clarity Card Query
I have just applied for, and been accepted,this new cc. They are sending details in the post, but just wanted to check if they operate like othe cc companies in that do they allow you to set up a DD to pay off the full amount every month?
-
Card for abroad for little credit history
Hi there, Firstly apologies if this is on the wrong forum or has been answered before! I am 28 but only got my first credit card 2 months ago. I checked my credit report and although there was nothing bad in it I also had no real history (apart from bank accounts and mobile phones) so I applied for a Capital One Classic…
-
Credit Card Transfer Newbie - I'm confused!
hello, I want to transfer my credit card for the first time from Barclaycard to RBS. I went through the process but exited it because i was confused about the rate of interest that was stated - i wanted the 0% for 15 months and it just said 16.9%. I asked the online help person and they said that this was just them stating…
-
Overcharged at Petrol station, Help
Went to the petrol station this morning before work, was in abit of rush and just wanted abit of food because I didnt have any breakfast, so i got a orange juice and flapjack (no petrol) and paid on my card, a total of £2.55, and just said put the receipt in the bin its ok. But just checked my Bank account online and I…
-
Are credit card call centres staffed by robots?
I sent a secure message to my CC company about three weeks ago to askm them to send me a new card and they replied saying it would be sent and would take 7-10 working days. When it had not arrived by yesterday, I sent another message saying that I had not received it. Their reply came back saying exactly what they had said…
-
refused credit card HELP!
Iapplied for a vanquis card and have been refused i have 1ccj have no missed payments in the last 12months on credit accounts with experian .
-
Victim of credit card fraud
hi people, I have a credit that i have not used in a year , has just been in my wallet doing absolutely nothing, its even due to expire 11/10 Anyways, out of the blue i get transaction upon transaction of airline tickets ( ryainair) taking it up to my credit limit . I rang up natwest and they were very helpful, they have…
-
Mbna 1.9%
Hi Hi, I already have a Virgin Credit card and wanted to apply for the MBNA one. When applying online does the system automatically checks if an existed card is already held or is it all just based on the data they receive from CRA? Thanks MS
-
Close Credit Card or Not?
Hey Just using credit cards for protection so not too fussed about interest free periods/balance transfers, etc. I applied for the Santander Zero card as the business bank account is with Santander, plus ISA, etc. However, they gave me a pitiful rate when I got a limit of many times higher with the Debenhams store card…
-
Which card?
Hi Everyone my names Paul and i'm new to this site,been looking at applying for a credit card to pay off a gas and water bill approx. 1200 pounds total.Could anyone recommend one? From my understanding only a few cards will allow this?Cheers
-
john
can any one tell me after 8 years can a lender still try and recover the money???
-
Capital One Changing Cards
Can anyone interpret a message I got from Capital One please :) I have the classic card with the 34% interest rate, had for 4 years, perfect history. Asked about the card they have which decreases in interest rate as you pay on time down to 17 or 18% at the lowest. Their reply was I can't be transferred onto it as I have…
-
Barclaycard money spinner 0844
Hi, I tried to register with barclaycard and although I made sure all my details were correct the site came back telling me I had to phone an 0844 number. I checked the call charges for this and they were 5.5p per min with a 9.9p setup fee! I think this is just another way of getting more money out of their customers. I…
-
Credit Card Transfer - Within RBS Group
Hi all, Just a quick question, After stumbling across this site I've realised that I'm paying more that I should through lethargy more than anything and applied for a RBS Credit Card with 0% BT for my HSBC card. However I've also got another balance on a Nat West Card and I've just realised that RBS and Nat West are in…
-
Natwest overlimit fee.
I had maxed out my credit card at 250 (im new to credit cards).. The balance was like 249 or something and then i got charged interest which was like £1.77. This made the balance go over 250 which caused me to get the overlimit fee of £12. When do i have to pay this back by? Will i keep getting over limit fee's if i leave…
-
Paying off a loan with a new credit card?
Hi all, I have a loan that I'd like to pay off. My circumstances are quite good, though I would like to get the loan paid off sooner than later. I'm living at home and as soon as the loan is paid and I have some money in the bank I am 100% debt free - then I will be looking for my own place. I'm thinking that a good way to…
-
Is MBNA and virgin linked
Wanted to do the plastic loan thing so applied for an MBNA and got refused, checked everything, credit report etc, all ok and score 999, was going to apply for virgin card but noticed it was linked to MBNA. Is it worth it? Details Credit card 1 - £4300 Credit Card 2 - £2200 Loan £7100 Im retired and disabled and have an…
-
Interest Free Credit Card & ISA
Hi, I have a sum of £5500 on my credit card. I have the money to pay it off now but want to know if I'd be better off in the long run to put the money in an ISA and transfer the balance to a new card that is interest free for balance transfers. It looks like I could get something like a 12 -14 month interest free transfer…
-
Student applying for Amex Rewards Card
Hi, I'm a student in London starting in under a week and I would like to apply for an Amex Rewards card. There are student options in the application process but can I count my household income as my family income, even though I don't have a partner or spouse?
