Credit cards

Archives for October 2010

Prepaid Mastercard Dormancy Fees
Hi All, In order to get around Riotscare's extortionate credit card fees I've purchased an Escape Prepaid Mastercard. I only keep a minimal balance on the card, topping it up as and when necessary. It costs 99p to top it up from a Debit card, but this can be avoided by topping it up via a bank transfer through online…
Credit card statement not mine!
Hi, not sure where to post this. A credit card statement was sent to my address. I've never heard of the person who it was addressed and have lived here since the house was first built. I opened the letter as I hadn't checked the name and do have a credit card with the same company. The amount owed was much higher than I…
M&S credit card....wont let me decrease my credit limit
Hello All. I have the M&S credit card. I am have around £300 left on my credit card and then will be reaching the max limit allowed. I emailed M&S money to decrease my credit limit by £100 and they sent me back an email saying that they could not allow this as I was to close to my reaching my credit limit? I thought this…
I think First Direct suspect me of fraud!
Hi everybody. I opened up a First Direct account about 6 months ago with the intention of switching everything over to them. But I just never got around to it. I've got that many incomings and outgoings, I was convinced that something would go wrong. It's not only Direct Debits I'd have to worry about but also things like…
Capital One Fraudulent use
If you have a Capital One CC check your statement for an entry marked Afs. My card has been used fraudulently to purchase over £500 of stuff from them, and I had not lost it, nor had it been stolen. The first I knew about it was when Capital One called me! Does anyone know if I am liable for this?
Hospitalized after stroke - cannot pay cc bills
How do cc companies deal with someone who has had a stroke and is paralysed so cannot pay bills? He has no one that can afford to pay for him, what will cc company do? Many thanks
Barclaycard Pre Checking
Barclaycard now do a soft search when checking if you are eligable for their card# https://letmechoose.barclaycard.co.uk/ my question is, do other credit card providers do this yet? I'm not actually after applying at the minute but in 6 months time a 0% BT card might come in handy to reduce interest payments. Thanks in…
Santander Flat Rate CC
santander have steadily been lowering my CC limit, whilst Barclaycard and Cap 1 have steadily been increasing my limit, this is strange as my credit file has improved greatly in the last 12 months and my credit to income level is only around 35% Has anybody else been experiencing these lowering limits from Santander?
Credit Card Interest
Hi there. I use my credit card and repay the full balance of each month. I use a crapone card. 34.9apr. (Yes I know it is high and the wrong card. I choose to have it as it suits me). Last months statement, Balance £631.17 " Next months Estimated interest £15.71" I paid £601.31 (misread the statement). They charged me…
World Card question
I was wondering if anyone knows how easy is it to get a Capital one World Mastercard or the EGG World card. The website says that you are more likely to accept you if you have had credit cards in the past. I have a barclaycard which I use at the moment and a Halifax card. Would I need to close them so I get this card.…
Barclay card Interest???
Good morning all I wonder if anyone can advise on my Barclaycard statement please? Last month I managed to pay £3000 of my total bringing it down to £800, but I notice that the interest charged on my statement this month is £63.88! I'm a bit of a numpty with all this but surely if I paid on time and my balance was a lot…
Wanting to transfer £12,500k to 0% CC - questions
Hi Myself and my husband have two credit cards between us with Yorkshire Bank with an APR of 21.4%. There is £7500 on my husband's card and £5000 my card. We want to try to reduce the debt and transfer onto lower or 0% cards to reduce the interest paid. Realistically we would be looking at trying to clear the debts within…
Halifax/BOS - no more paper-free statements
Good morning. Halifax & BOS will be changing their online banking system in the new year. The new one version will be similar to Lloyds TSB's new online banking. As part of this, there will of course be changes to the facilities available to us ... the most notable of which for me is that you will no longer be able to…
Prepaid Credit Card
My wife currently lives in America now I'd like to send money over in the form of prepaid credit cards however when searching I couldn't find any that would give additional cardholders. Does anyone have any tips to help me how to set this up?
CC Interest Scam
I never realised how difficult it was to clear interest on a credit card. I always pay my Capital One balance off in full. However recently I accidentally withdrew cash on it. Consequently there was an interest charge. I don't complain about that, it was my mistake; but it has become almost impossible to clear the…
Halifax Clarity Credit Card--Does this sound right to you?
Hi I wonder if you could help me with something, i phones the Halifax this afternoon to advise them we were going abroad and to mark the cards we use so that the system wouldnt reject them. At the end of that the advisor said would you be interested in a Halifax Clarity Card, i explained possibly yes but stated that id…
Criteria for Sainsbury's Gold Credit Card
Hi Everyone, I'm hoping someone may have some insight into the criteria used for applications on the above card. I've been rejected for this card recently as my application has "fallen outside of the standard criteria" and that the application was not based on "adverse information located on my credit file" As far as I am…
non-resident euro-denominated euro credit cards -- with rewards
I noticed that american express in the UK has € credit cards, which non-UK-residents can qualify for. So I know such cards exist.. but they're difficult to find. I have only encountered the amex. Are there any others? I want a rebate card of some kind.. points, miles, or cash back. I don't mind if there's an annual fee, as…
0% abroad
Can anybody please tell me if I get a 0% credit card, will the 0% still apply to spending abroad? (New York) Is this the best option? Or should I go for a best abroad card??? which wont be a 0%
prepaid credit card for use in Portugal?
Dear friends it is first post in this forum. i am planning to visit Portugal for a holiday for 3 days by the end of November. Can you please guide me what type of prepaid Credit card i should use? or cash is better option? Regards

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Amazon Prime Big Deal Days – when it starts, our predictions & tips
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E.on Next to cut winter bills by up to 50% for some customers on low incomes – here's what's happening
If you're an E.on Next customer, look out for a message from the firm offering you up to 50% off your bills this winter, as the supplier is launching a new support scheme.
E.on Next to cut winter bills by up to 50% for some existing customers on low incomes – here's what's happening
If you're an E.on Next customer on its standard tariff, look out for a message from the firm offering you up to 50% off your bills this winter, as the supplier is launching a new support scheme.
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EDF Energy will cut bills by £30 for some 260,000 of its customers who get the Government's Warm Home Discount this winter.
Martin and MSE among organisations calling for energy social tariff as millions expected to struggle with bills this winter
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