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topman card help
Hi guys, i was in topman last friday buying some clothes and i was offered a discount if i took out a store card. so stupidly i agreed. upon seeing the interest charges etc i instantly wanted to cancel my card. So on monday i rang up asking to cancel my card. After giving my details i was told that my card had been…
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Capital one SBT?
Can you super balance transfer from capital one credit cards ??
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In arrears but not my fault
I recently applied for a new bank account and choose to transfer all my direct debits. Today I received a call from the collections dept. at my credit card company telling me my account was in arrears asking for a payment. Apparently the DD was rejected even though there's enough money in both accounts to cover the…
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A Company change my credit card secure password
Evening. I need some advice. I recently made a payment to a real company, a hotel chain. The payment was taken over the phone and I was told that payment was successful. I then promptly found out that my secure password on the credit card had been changed. I rang the credit card company and they confirmed that it had been…
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Virgin CC late payment on big balance
Hi Folks, First post for me, you could say I am a virgin to the forum. However the reality is not so funny. I took out a virgin card with a £9K balance transfer at 0% for 16 months. Great deal as I was investing the money to get a decent return but last month I was 5 days late on the min payment ( a stupid oversight I…
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big debt problems on my credit cards
hello all a long story short i have got myself in big debt with 4 credit cards barclays 6k virgin 7k rbs 5k halifax 8k i have over the years tired to switch these around to best balance transfer deals at the time but now cant get accepted for anymore! dont expect any sympathy as its my dealt over a period of years that we…
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Overlimit and being charged - HELP
I wonder if anyone can give me some advice, my partners credit card is overlimit and we are getting charged every month meaning whatever we pay off is not making any impression on the balance. We contacted Barclays and explained we where only currently able to make the minimum payments and they said they would stop…
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How many searhes is "bad"?
Just wondering what the limit is on how many credit searches you would be comfortable having in a year - seems to have become an issue for me. I have had about 10 - due to moving house mainly. Most of these were last summer though - does this mean I really need to wait till next summer before letting any more creep on to…
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Credit Card - Do I have to pay this early?
My Credit Card Opus (transferred from Citi Cards) due payment is 3 rd January. They have told me to pay this by 23rd December otherwise incur late payment charges. Surely the banking working days will be 29th,30th & 31st December and if so could I not safely pay on the 29th December? I feel that this earlier payment is…
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HELP Needed - Pricing Law
Hi, Wondered if any one could advise me on the following. If a website advises the cost of a product way below the correct price and they take this money and send out the goods, can they then claw this back or charge me again? Any help is appreciated. :mad:
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When will I receive my Halifax credit card
Hi all I was approved a credit card from the Halifax and sent off the signed application over a week ago and I just wondered if anyone knows when I will received the card in the post. Thank you:D
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Santander giving me Nervous Breakdown
I am at nervous breakdown stage. I cannot use my credit card without the the need to call and go through security, my card has a fraud block put on every day, yesterday I had to drive in the snow to a Santander branch I had never been to before with my passport and proof of address to have the block lifted. This was done.…
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Is it worth asking tesco cc for help
I am almost upto my limit and have never missed a payment. Am hoping to start seriously clearing some in the new year but sods law kicks in any my oh is off work sick. I owe about £3,400 - credit limit of £3,600 min payment is c. £67 and interest is around £55 my question is it worth calling them and speaking to them about…
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When do searches fall off?
Hi I was just wondering when searches actually come off the credit file - I have a number due to recently moving and needing to get up and running with credit. I had a default that has been removed since it was inaccurate (within hours, well done Experian!) I have read varying stories that they are between 6 and 12 months,…
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How to transfer balance?
My wife has a Lloyds credit card with a large available credit. Can she balance transfer £14,000 to pay off my credit card? thanks in advance Simon
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Urgent question re. faster payments into Natwest Credit Cards
Hi, Just a quick (and urgent) question. I made a Faster Payment into my Natwest credit card using my Halifax account. It was sent about 6am this morning (it's now 11am). I logged into Natwest Credit Card services. The "Credit Available" has changed to reflect the payment, but there is no such payment transaction listed on…
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Insurance Packages from Barclaycard
just has some post from Barclaycard about some new insurances (offering mobile and gadget insurance for £5.99 a month) looks too good to be true - any views?
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article on MBNA
http://www.credittoday.co.uk/news/news-item.cfm?news=2089 interesting article about MBNA and debt collection
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DD's and Christmas
posted on wrong board sorry
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Bank of Ireland MasterCard Statements
I'm finding that BOI's statements are arriving VERY late, and leaving little time to pay before the due date. November's statement (dated 7th), arrived with me on the 19th. As it was due to be paid by the 27th, and you have to allow them 5 working days, it doesn't take an Einstein to see that the margin isn't really…
