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Capital One Paying off in Full each month
Hi everyone, My BF is looking to get the Capital one CC, for it's cashback and would like to pay off in full every month. How do you specify this as it seems that the whole process is online now. When I signed up years ago, I wrote 'pay of in full every month' on the paper credit agreement. Any ideas? Thanks
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Scam when using a CC overseas
If you have a CC with no exchange rate mark-up then you always want the transaction in local currency. Legally the retailer must ask you if want local currency or pounds. Lots don't and just do it in pounds. With chip & pin m/c's the only way to tell is by the looking at the amount on the screen - is it the same as on the…
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MBNA - suspect dirty trick
Hi, Last month I carried out a balance transfer with MBNA on line. I accessed my account homepage and opted for the "0% until 18 Oct 2011" option. This took me to page "my promotions- 0% til 2011 etc etc" and I clicked on transfer balance-this took me to another page where I could only enter the balance transfer card…
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Balance Transfers
Hi guys A quick question please. I currently have 3 credit cards:- Barclaycard, Limit £12000, balance £10850 APR 21.9% Egg Card, Limit £4900, balance £4773 APR 19.9% Natwest Card, Limit £2900, balance £2600, APR 18.9% I currently pay fixed sums of £240 to Barclaycard, £115 to egg and £60 to Natwest. I do these via direct…
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Defrauded! No help from CC company
A couple of months ago a family member stole our card and PIN number and withdrew a few bits of cash off it. The card issuer called my husband because there was no activity on the card since it was issued to him, and we agreed we'd deal with it as the debt was manageable for the family member to repay. The card was…
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Worried it will affect my credit rating
Hiya, I was just after some advice really!! I am having a bit of a nightmare with Santander at the moment. I have a DFS sofa credit loan with them, I pay monthly on the 18th month and until recently have had no issues. I needed to change my bank account the direct debit used to come from and received a confirmation letter…
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First credit card for 18 yr old son
Hi Moneysavers! My son is 18 and we are looking at getting him his first credit card. He is very sensible when it comes to money - saving up an' all - and as having a strong credit report seems to be vital in today's society we feel it's best he builds it up from an early age. He understands the concept of credit cards:…
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How to evict parents
My husband and I are at our wits end. 17 years ago my father-in-law had his house reposessed. He asked my husband who was 20 at the time to buy a house in his name. My husband gained a morgage based on his income and using his name. He did it as he was living with them and they said they would be homeless if not and that…
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Tesco Credit Card
Is it just me or is it just very hard to be accepted for a Tesco Credit Card?!? I've applied twice, once 5 months ago and just now. Obviously both times declined. I wouldn't say my personal circumstances are perfect but they definately aren't bad either. I hear that these decisions can be appealed? :mad:
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Borrowing on 0% credit card?
I'll start by saying I have no idea about credit cards at all. Im 21, working part time. I want to buy a macbook which costs £849. Im cosidering taking out one of these 0% for 12 months credit cards, but im not sure what that really means. Forgive me for being very optimistic, but does a 0% credit card mean I could put the…
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Virgin credit card
Hi guys and dolls. I currently have a Virgin (MBNA) credit card with approx 3k on, I really need to balance transfer the funds with a new card as the 0% has now run out and I'm paying interest, can anybody reccommend a new 0% non MBNA card I can do this with? Kind Regards :D
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Home phone number
Hi If you do not have a land line but the box fr the application (MBNA) has a star, what should you do/put? Mobile? Thank you
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credit rating - owe some money to HMRC
hi guys had plenty of problems with my credit rating. have difficulty getting anything on credit (cards mobile contract etc) got my credit report but it all looks cool... cant find what it is thats messing my rating up. its getting real upsetting. been thinkin and wondering what it could be thats doing it. a few years ago…
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the effect of a late CC payment
Hi Foks Was just wondering what effect a late credit card payment will have on my ability to get a new mortgage in a few years time?? I stupidly paid my CC late and I now have a late payment registered on my credit report - completely my own fault!!! We are hoping to move house in 3-4 years. Will this come back to haunt me…
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credit on a credit card
i did a balance transfer from one card to another,i then cut both cards up,but i transfered to much so ive got 30.00 pound credit on a card. how can i spend this or get it back? thanks
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air mile credit cards
hi this is my first post I aws wondering dose any one have any advice on air mile credit cards ie which one is best and how they work ect all help welcome :)
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How many times can you have the same CC?
I mean, say I had a 0% Tesco CC 3 years ago and cancelled it, can I get one again for 0% now? If so, what is the minimum time between cancelling and applying? Thanks
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Vanquis Scam?
Hi can anyone shed light on this or help? A friend got a Vanquis card and paid a bill with £69.50 to Yes Loans Ltd and £150.00 to CTM Ltd. They have received nothing from either company but mistakenly paid the bill. Those companies seem very dubious, and are Vanquis colluding with them? Can we recover this? We will be…
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Halifax Clarity or use existing Post Office Card for Trip to the US??
Hoping for some advice in order to make my mind up, undecided in what to do really I already have a Post Office card but was wondering if it's worth trying for a Clarity card instead? We're off to the US in late November and just looking at our options seeing as my Nationwide card will have changed then I've read Martins…
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Santander ZERO - positive payment priority yet?
I know all cards have to switch by January, Nationwide has always applied payments to the balance with the highest interest rates first and MBNA have just switched (I think). Does anyone know when Zero are changing? Can't remember seeing anything in the post before leaving the UK. I have a big 0% BT deal running with them.…
