-
PPI's
Hi was wondering if anyone can help or advise me. I am currently recieving at least 2-3 calls per week from various company's trying to take up my case to reclaim PPI from my credit card. I am very wary of doing this but decided there must be something in it so started looking through my old bills. I have realised that for…
-
Only recently employed for a week, can i get a credit card? which one?
Hi I'm at uni in leeds but my tuition fee loan for last year has messed up i need 2 grand to pay the university so they can enrol me for this year. I'm trying to get a credit card so i can pay this off quick but have only been employed a week, are there any credit cards which arent fussy if you havent been in employent…
-
0% 2.9% free or 5.9%
I currently owe around £3500 on a interest free credit card that is about to expire. I want to transfer it. What deal is better Barclay card 0% balance transfer with 2.9% free or MBNA rate for life 5.9% with a 1.5% handling fee. Im looking at paying £100 a month off the card. Thanks in advance
-
Barclaycard allocation of payments
Hi - got a letter from Barclaycard yesterday and they are changing the order of payment early. Instead of from 31st December they are changing from 26th November. Good news!
-
Egg Money Manager Question...
I use Eggs money manager to view/access all of my bank/credit card accounts from one place. I was just wondering if anyone was aware of an alternative to this as I am about to zero my egg credit card and was then going to close the account but I find the money manager very useful. If there is no alternative then I might…
-
Credit Report Questions
I'd be interested to know what peoples answers are to the following two questions. Which of the following is best for your credit report? 1) 2 x credit cards with same credit limit and a) Both cards show on report as 50% credit used b) One card shows on report as 100%, the second shows 0% c) (a) and (b) are infact the same…
-
hi there a quick question if anyone could answer id be grateful
Hi basically i get paid on Tuesday, but i have a meeting i need to travel to on Saturday. I will need about £200 for costs. My overdraft is £100 i never really use it, just this month has been genuinely hard so i went into the over draft my balance at the moment is -£99.87 or so. i tried to extend the overdraft to £300…
-
Capital One World MasterCard ®
Seen this advertised on billboards etc, is this a good cashback credit card? £18 annual fee but get a £10 thank you. Is it worth it? also how do i work out what cashback i would get? https://www.capitalone.co.uk/creditcards/secure/application-bt-nopl.jsf
-
'secure trust' bank account/mastercard
Has anyone had any dealings with this company. I understand that this card is a prepay mastercard and you load money onto it before purchasing. The company told me that it would improve credit, Has anyone had dealings with them? do they actually credit reference? Many thanks
-
Amex rewards £500 spend
I got Amex rewards and on MSE it says "A huge boost here is you get up to 18,000 extra points (worth £90) when you spend over £500 for the first three months. Spcifically, you'll get 6,000 points in each month where you spend more than that threshold - plus you earn the normal points on top of this" Now i read this as in…
-
Amex late fee for paying on time?
Hi, I have an Amex card and my payment date in September was the 17th. I got a bit busy and ended up paying by debit card via the website on the 17th. The payment confirmation said the following: Thank you - Your Payment has been approved Your payment has been successful and our financial records have been amended…
-
Spending plus adjustments - what does it mean??
hi just a quick question. what does "spending plus adjustments" mean on my tesco credit card account?? is it a late payment charge?? thanx
-
Blacklisted house
Hi My friend has bought a house and he now needs to buy a new boiler but when he applied for an interest free credit card, they wont give him one as his address is blacklisted as there are still lots of unpaid debt at the house. Even though this is not his fault as it was the peson living there before him, is there…
-
Beneficial Claims (again) update
After Beneficial Claims have now caused my family to be £19,000 more in debt, I have contacted the Media and the local BBC and have now got a Barrister to go through all paperwork for legal action against the company. I am not prepared to give up even if my case ever gets resolved. I do not want other people to have to go…
-
Missed payments showing on settled accounts
Hi Folks, Just checking my Credit Report and for the last three years it's looking good, just the one late payment. Over six years it's improving a hell of a lot. Beyond six years it's awful!! The issue I have is that I have two accounts that were both closed/settled in 2008, that have entries for over six years ago, that…
-
CitiCards and CC Asset Management
Today I received a letter from Citicards advising me that my account has been transferred to CC Asset Management with Bank of Scotland holding the credit card agreement?? I took the opportunity last April to continuing paying off my card balance at the old interest rate and to close the account with Citicard when the…
-
Think I might have messed it up...
Just on here for some advice. About 6 months ago I got my first credit card, a Capital One Classic. It started with a £200 limit. I am employed but I get paid 4 weekly which makes it difficult to have DDs coming out of my account. I decided to not set up a DD with Capital One and instead pay it manually every 4 weeks. I…
-
Really would avoid a Bank of Ireland cashback credit card
I took out the Amex one earlier this year as it has the best cashback rates but as not everywhere accepts Amex, I took out a Bank of Ireland Moneyback credit card in the summer, and I regret doing it: - Unlike Amex the ID process was cumbersome and I had to pay £5 simply to get my ID confirmed at the Post Office - Unlike…
-
Confused re credit card for abroad
Hi Understanding numbers isn't my strong point so I'm hoping someone can help with this. I normally exchange cash when going abroad but I was reading about the Halifax Clarity credit card and thought I might apply for it. In the section about travel money and credit cards Martin mentions that you get the best exchange rate…
-
Allocation of payments
Barclaycard have announced that the allocation of payments is to change, IE payments will be allocated to those balances that attract the highest interest rate first (cash withdrawals) not last as it stands at the present time. Lloyd's TSB cards have not announced this yet, does this apply to Lloyd's TSB? I believe these…
