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Shopping around affect credit rating?
I've just finished completely paying off my Capital One card (first ever credit card), so am now looking to apply for a card with a better rate. I'm 20 years old, self-employed, with a good/fair credit rating. I applied for a Tesco card yesterday, and was accepted. But I was offered a rate (21.9%) and credit limit I wasn't…
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Consumer credit act 1974 - 28 days notice?
Hi I received a letter from Tesco mastercard today warning me that I have gone over limit and they will be charging me a £12 overlimit fee. However, it goes on to say that they are not allowed to charge me interest until 28 days from this notice. Earlier this year I did the same thing with Amazon mastercard (yes I am a bit…
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What to say when appealing a CC decision?
Hi, Just a quick question. I have three CC that have moved out of the interest free period. Have just applied for a Royal Bank of Scotland card, I think I will be turned down due to having debts of £16k (to add I am looking to balance transfer the two smaller cards to the new one and close the other cards, not spend more),…
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Making on offer to CC companies
Does anyone know if you can make an offer to a credit card company when clearing a balance. For instance if you owed £3,400 to a company could you ring them up and off them £3,000 to settle your balance and close your account?
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Problems with Egg plc
Hi Having problems with Egg failing to respond to my letters. I commenced token payments 2 months ago and they are still charging me interest in excess of £150 per month, plus late payment charges and over limit charges, it really is crazy. I had previously written a letter of complaint regarding their continual telephone…
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Nationwide CC
I have been accepted for a Nationwide CC however as I have had a previous CC with them in the last 12 months they are saying that I will be not given the 0% BT rate or 0% on purchases rate. Should I 1. Keep the card and see if they offer me any promotions after the 12 months, if so how likely is it that they will offer me…
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I wonder
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Santander Balance transfer
Hi i hope someone can give some advice on if this is possible/ a good idea... We have a Santander Card that had a balance transfer that has just finished the 0% period. We have read that they are offering 0% for 13 months fee free for existing customers. Can we transfer the balance to a Tesco card that we have had for over…
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LLoyds tsb address
Does anybody have the address to write to, to to cancel a lloyds tsb payment protection policy on an airmiles duo card? I have scoured the site and they have it pretty well hidden.
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Is there a card with an interest-free period for cash advances ?
Last year I found a credit card that had an interest free period on cash advances. My existing credit card (as well as almost all other cards it seems) charges interest from the moment I withdraw the money. So unlike other uses of my card, I can't avoid paying interest. I thought the card I found last year was from…
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Bank Account Missing From Credit Report?
Hello I recently signed up for a free 30 day trial with CreditExpert.co.uk and called them today in order to cancel it before they start charging me. When i rang up however they informed me that my bank account is not present on my report and that this is probably because my bank havent released the information to them.…
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Can i keep a credit card in credit?
I need to pay of a small hsbc loan, so i think the only way of doing this would be to spend on my hsbc credit card increasing my current account balance (which id then use to pay off the loan) and then doing a 0% balance transfer from the hsbc credit card to my 0%, effectively shifting the loan debt and hsbc card debt from…
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Best cashback or reward card WITHOUT a fee?
Anyone have any recommends? I currently get around £12 back per annum, so don't want to have to pay an annual fee which would defeat the object of having the card in the first place. Why do I want to change? Because my Barclaycard only gives 0.35 up to £1500 spend (1% thereafter) and my Amex Blue only pays 0.5% on the…
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debit card abroad
Im going away for 6months to australia and want to take a debit card, not a credit card with me. On the website it suggests a nationwide account as it doesnt charge for transactions, although it then says thats soon to change and no longer recommends it, but doesnt offer an alternative. Just wondered if anyone had any…
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over payment to my account
I need help!!!! I have recently changed employment and got paid today 20th of october, by last employer and they have paid me twice stating this is for another advisor who has the same name they stated they need my permission to reclaim the money however i have been advised by individuals that this is there error and i…
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Barclaycard
Looks like everyone who has a sky credit card or leeds building society credit will now be getting the barclaycard gold mastercard as a replacement as i had my letter this morning as barclaycard are moving away from these cards,mine will be in the post within 3 weeks,did not know barclaycard gold done a mastercard…
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Minimum Payments
Hi... Ok, so I've just read that you should try and pay above your minimum payment amount so you are not 'marked' as a minimum payer... All my direct debits are set up to take minimum, if I dont have DD's I will forget to pay my bills, and will have late payments on my credit record.. Do they do DD's with another amount,…
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Receivership
My gym announced that it was going into receivership although they had a couple of different interested parties to possibly purchase it. (It is a gym and Hotel). I have now been asked to pay my annual fee of over £600 but am concerned that if I pay this and no buyer is found, that I'll lose the money. Equally, I do not…
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Tesco Credit Card great for clubcard points
We've had a Tesco Credit Card for years. We spend all our usual day to day spends on the card like petrol, food, etc and pay it off full every month. We normally get back £120 a year in club card vouchers which I use to buy the Christmas food, but this year we have had loads to spend on the house decorating - I have…
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What happens if I write a credit card cheque to myself?
What happens if I write a vanquis credit card cheque to myself to put into an overdrawn account. I am then going to pay off the card at the end of october. Just I have to pay off the last £70 so I can close the bank account. Am I charged an advance fee?
