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Problem with Santander card
Hi all, I have a little problem with Santander credit cards at the moment and I'm looking for advice on what to do. I have an Abbey Zero card, now Santander and currently pay the minimum payment. The limit is £1000 and I have £850 on the card. Two months ago, I noticed that the direct debit hadn't been taken by the card…
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credit cards poor rating
good morning could anyone please tell me which are the likeliest credit card companies to accept me with a poor credit rating? many tia.
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Credit card refund advice
I purchased tickets for myself and family to travel to Goa in november this year by credit card. However due to a serious illness in the family we had to travel to brasil on an emergency for 2 weeks in september. Due to the expense we are unable to go on our planned holiday to Goa. I requested a refund from from the…
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How long to update credit report/score
After paying off credit cards and/or cancelling them how long does it take for your credit report/score to update to reflect this? I want to apply for a loan or a new CC and dont want my previous debt counting against me. Any help appreciated :)
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who to try...
Where do i go now. i have 3 defaults almost 6 years now, all settled been so for almost 5 years. got a cc with capital one had it 3 years with 550 limit. got a basic account with lloyds tsb, just recently opend an rbs current acount. any ideas where i might get a cc with a better rate. Thanks Craig.
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ANother cc question, this time about mortgage too!
I did post on mortgages thread but no response as yet. My title probably makes no sense. I am clueless when it comes to mortgages. My husband deals with it all and it is in his name. We are with GE Money. We were on a fixed rate for 3 yrs which ran out last December and we just left it and it went onto the svr mortgage…
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Wifes debt
Hi I have just found out that my wife owes £6,000 on two credit cards. She is currently not working and has no way to pay this. We have a joint mortgage would I be responsable for my wifes debt and can the credit card companies force the sale of the house to pay the debt?
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Missed payments on credit card, advice please!
We have always been on time making the cc payments. It is a big amount of £7000 on Abbey card. However over the past few months we have always fallen short and the cc payment hasn't been made via direct debit. We had a letter yesterday from Optima Legal saying that we need to start paying off what we owe and any payments…
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BT credit card
Is it worth trying to get a BT credit card which will erase money off my BT bill?
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Best bank account for me :18 years old
Hi. Im hoping someone might be able to advise me on the best creidt card. Im 18, earn£120(before tax) a week. Im currently with hsbc. Ive lived “independtally” without parents since 16 and so have been pretty good with money(so more mature than the majority of my peers regarding money)The Reason I want a card is until my…
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Egg Money MasterCard
Hi Just some advice please I have over the past year built up my credit history I currently have a BC with a £3000 credit limit with 0 balance and a Tesco MC with £3000 balance £150 on a 0%. I am interested in getting a Cashback credit card and getting a little bit back from it. I pay my balances in full every month. Does…
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Vanquis charging interest on settled account??!!
My husband took out a Vanquis card two years ago trying to rebuild our credit. He initially took out two hundred pounds which he paid in lumps but not completely. We then had a V. expensive problem to fix on our car and as that was our only card we used it and then only paid the minimum for several months. We knew the…
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Advice needed!
Hello, I was wondering if someone could help. I have been reading through a few threads on here and was a bit dubious about posting but will give it a go hoping I get useful information! Basically I have a credit card at 18.9% apr. I owe £2070, £70 over the £2000 limit. My partner has a credit card at 19.9% apr. He owes…
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0% Purchase card help! Please
Hi all we need a small loan of about £1000 to get some house maintenance and pay for a christening, So i was wondering is there a card that you can draw out money from an ATM on 0% over 12 months? Many thanks
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Balance transfer from Vanquis
Hi, could anyone please tell me if they know which hard expects a balance transfer from Vanquis. I got a halifax and capital one to try and do a transfer, but they wont do it with vanquis. So if anyone could please help me. I need to get rid of this vanquis card. Thanks
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Cancel existing tesco credit card and sign up for a 0% interest one.
I currently have a Tesco Credit Card where the 0% interest ran out two months ago. If I cancel now how long would I have to wait to apply for a new Tesco 0% interest card, or does it not work this way?
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BA Amex
Quick question regarding the BA Amex. I am thinking of going for the basic card. I like the idea of having something ticking over in the background to use a few years down the line. We'll probably spend the £20k a year so will get the 2 for 1 companion voucher. Whilst you have the basic one can you upgrade to the Premium…
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jjb card rejection???
hi, i am 18 years old and have had a vanquis cc for nearly 6 months now. i get close to my £250 limit but always ensure i pay it off via direct debit every month. i asked vanquis about an increase and was told it was automatic (review every four months) and therefore i applied for the jjb cc. however i was rejected because…
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Which card should I apply for?
Hi all, Hope you can help, only posted on here a few times. I have a CC with Halifax and the 0% APR period runs out next week. So I'm looking to Tart! :) I've only been at my new rented address for a few months though and a few of the "Quick checks" that are around (like the one on this site), seem to indicate I'd have an…
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Running two 0% promos at same time....
Question, if you had say £1000 on a 0% offer till Dec, you then put £1500 now on another 0% offer that expires in May. Come Dec, you pay off £1000. will this clear the original offer or not? whats everyones experience?
