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Lloyds TSB Credit Card Over Due
Hi Guys I have a card payment that is over it's agreed amount on my Lloyds TSB card. I'd missed a payment due to my DD being cancelled and racked up £190 charges that I need to pay ASAP. What's confusing is my available limit shows as £190 instead of -£190. I've been told today it's a problem with the site. I've had a…
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I have given the wife a credit card...
Morning, I have made the wife an additional card holder on my Halifax Clarity card so we can use it in America. I there anyway of telling on the bill who has made what transaction so we can pay what we owe?? Thanks in advance
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Need Some Advice
I have two credit cards 75 quid on a 29.9 percent interest card (paying 20 a month) 630 quid on a 17.9 percent interest card (paying 50 a month) i want to know will it be worth balance transferring onto one account or leaving it. I also have a loan of 4000 (paying 191 a month)(29.9 percent apr) over 2.5 years. In month 6…
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Weird credit appeared on my House of Fraser Recognition credit card
Hi there, I have a House of Fraser Recognition mastercard, I made two transactions on Saturday 23rd October, in two seperate stores, a hairdressers and a co-op, both in the same village. It seems both amounts have been credited back to my account?! Both transactions went through fine on the day with no problems. I called…
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2 Cards and 14k debt
Hullo :think: I am a newbie but have been lurking for a wee while. I have a problem with 2 credit cards that I hope you can advise with.... here goes.... There is 14k spread over 2 cards which I need to pay off asap. I am trying to work out whether to get a personal loan, extend mortgage or tart both cards. The other issue…
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Not strictly a credit card query - 3V
Hi all Is anyone familiar with 3V cards? My work colleagues bought one as a birthday gift for me, but can I get it accepted online anywhere? Can I b***ery! Any tips, hints, general whining (not altogether useful, but nothing like a good moan) on how I can actually spend this money, gratefully accepted. Just a thought! I…
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Direct debit changed??
Hi, I have a Capital one credit card. I have had it for 12 months and always pay the full amount off ever month by DD. Recently i had a new one sent out as mine was used fraudulently on the interweb. But when my latest DD came out it was only for the minimum amount... I dont want to pay any intrest so what steps do i take?
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Lloyds TSB Mastercard
At the end of July I went online to try to re-active my online account with Lloyds TSB. As I couldn't remember my user id I filled out the form as requested and was told a new id would be sent in the post. Nothing arrived so I tried again. After a couple of months I decided I'd give them a call to find out what was the…
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Credit card and Debt Management issues
Hi, Two weeks ago I attended a CAB financial adviser who is helping me sorting out my debt issues. She is sending letters to my creditors advising I can no longer pay, and we are looking to settle an agreed repayment programme. I still have my credit card, and it is still active. Can I continue using it? Is it fraud?…
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Capital One Classic - No Mention of Cashback?
Just received my Capital One Classic card with £500 limit as recommended by this site. I see no mention of the 1% cashback promised when I signed up online either within the documentation received with the card or when I sign into my newly created online account for the credit card? Any ideas? :(
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Who will be honest with me about my credit rating
Folks, I am at my wits' end. Since The Mistake (bad decision on first property purchase), I have been unable to get any sort of credit. I have never had such problems before having never failed to pay off a debt in my life and being relatively solvent. I have now been turned down for two different credit cards and am…
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Does cancelling CC's affect your credit rating?
I can't imagine why it would but I thought I would ask in any case. I like to use a few different CC's to maximise the bonus I get when spending on work expenses etc. I will change cards when better ones come out or current ones pull deals etc. I always pay off the balance in full every month. I don't like having lots of…
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Advice on Fraud ?
Hi.. Well i think its fraud ! basically i have just received a parcel from China which should have been a new Giant Road Bike..what i recieved was some weird fold up kids bike..i think its not a mistake and ive been conned, attempts to contact the guy i purchased from at ; Elec-item I&E Trading Co.,ltd has proven…
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Tesco credit limits on 0% purchase cards?
Hi My husband and I are doing some major buidling work/house rennovation and are thinking of using a 0% purchase card to make the big purchases, rather than a loan, to tide us over till we remortgage in March and hopefully add it all on there. Thing is we need 18k ish so are guessing we're looking at each getting a card…
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First Credit Card
Hello all. I have been advised by my bank that because I make a lot of purchases online it would be a good idea to get a credit card as it offers more protection than a standard Debit card. I've talked this over with my family and they have agreed it's a good idea for security. This will be the first time I have applied…
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Credit Limit too low? Discussion area
This thread is to discuss the Credit Limit too low? guide To discuss or ask a question - click reply
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Software to Crack Chip & PIN
Software to crack the encryption used by credit card chip-and-PIN readers has been publicly released on the web. Click here for full article.
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Help with a debit card payment
Hi, Can anyone help me with this siutation, i just made a debit card payemnt for the sum of £517. During this payment I must have entered my adress slightly wrong. The money was taken, but i was sent back to a page saying that the payment has failed. I rang the bank and they said it was pending, i rang the company the…
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Citi Credit card say I owe money and worried about credit record
Despite never having had a Citi card or recieving a statement I recieved a letter from a debt collection agency saying I owed £300 on a Citi card from 2000. The debt collection agency has since written back saying they are treating the balance as irrecoverable but Citibank are saying the ammount will remain on my account…
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Getting Back Money in Credit
With Christmas approaching and belts tightening, I've been going through some older accounts, including credit cards that I rarely use, and clearing out any credit balances therein. Much to my surprise, most of the companies involved, financial companies like Tesco to name my most recent one, do not have a facility online…
