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Second card holder
Hi, I was the second card holder on my mums capital one account. I forgot I was even on it and had never even activated the card. My mum passed away and I called up about my own separate account with capital one to change address, and realised that I was a second card holder. Am I liable for her debt as a second card…
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Nationwide will not issue new credit card.
I had a Nationwide credit card which has expired. The balance on this card is £400, i have made regular weekly payments to this card in order to bring balance down. The card expired 4 years ago. I applied to Barclaycard so i could obtain a new credit card with 0% interest or 13 months. Barclays issued me with a new card no…
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MBNA Credit limit
Hi all, Im fairly fresh out of university, been in my new job about 6 months in a new place (not on the electoral roll just yet). I have just applied for an MBNA platinum plus card (0% for 16 months on balance and money transfers). As far as I'm aware I've never missed any payments - Ive had a credit card with natwest for…
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Obligation to check a credit card transaction
Hi all Having a dispute with an insurer. Basically, for whatever reason, a premium I paid in August 2010 has just shown up at their end as invalid. Upon discovering this, the insurer wrote to me and within a week cancelled my policy. As I was on holiday at this time, I couldn't deal with it. I am now being asked for £132…
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Lloyds TSB Credit Card
Hi there, I have a a credit card with Lloyds TSB and online they have offered me a balance transfer of 6 month @ 0 %, however, on the main website it is offering 0 % for 14 month's!! I have contacted them but they won't let me do that and it doesnt state that you have to be a new customer to get this deal, any one know how…
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creation credit card
Does anyone know how long creation take to get back to you once you have applied for there card? they say 5-7 days but i have been waiting longer than that.
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Credit Card...
Hey, I'm currently a student, and operate an online business. We spend quite a lot of money, in the past year, about £8,000 on just expenses. So, I was thinking, maybe it would be a good idea to pay all the business' expenses using a credit card that offers some sort of reward (such as air miles), and then pay back the…
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A potential consequence of the late GM Card
I have continuously had a GM Card for over 15 years and in 1997 as a "valued customer", I accepted from them [as no doubt did many others] £1,000 of free, basic accidental death and disablement insurance underwritten by Hamilton Insurance. The cover would cease if I closed my GM account, which I have not, or by the…
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balance transfer question
forgive my naivety but I have a question about balance transfers. I currently have a car on finance and am really unhappy with it. Would I be able to transfer the balance on to a balance transfer card or would I be unable to do this? Thanks Michael
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Voters roll
Hi all, I wonder if anyone can point me in the right direction. I've been living in the UK for the past 10 years, but I'm not allowed to vote, therefore I'm not registered to vote. I've been trying to apply for a Credit Card for years now, but was never accepted. I've got a great credit score (Credit Expert), but no CC for…
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Advice re paying off credit card with loan please
Hi There This is my first post here but I have visited for some time now. I was hoping someone could offer some good advice as I just can't decide what the best option is. It is probably glaringly obvious but I just can't see it! I am in the process of purchasing a new car. It is £7500 and a private sale. I have been…
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Being chased for an 11 year old debt
Would appreciate some help here guys......... Received a letter from Cabot Financial at end of September last year stating that they had bought the debt from CitiFinacial that I had £1242.87 I called them and said i did not know what they were on about and genuinely could not remember anything from them. Received a further…
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Help Needed With Choosing Suitable Credit Card
hi all, Im new to this forum and would like to find out a little more on credit. I am 22, currently studying at university. however i would like to apply for a credit card that has some rewards or cashback linked to it. i do have mobile contract for the past two years as well as a credit card from my bank, lloyds which is…
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Iqor
Hello Could someone please help me with a problem i have with Iqor. Three years ago my halifax credit card was handed over to Iqor due to my bad health, since then i have been paying them every month for the last three years without missing any payments. Every so often i receive a phone call asking to either pay all the…
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Barclaycard 0% Question..
I just got a B/C Platinium with a £8100 limit. I have transfered £5800 onto it from another card. Now, the B/C has 0% on transfers for 17mths and 13mths 0% on purchases. If I used it to pay hmrc £2000 today this would show as a purchase. If I set up a direct debit to repay £160 p/m this should repay £2k+ within the 13mths…
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Barclaycard Premier Football Card changing APR
Had a letter from Barclaycard notifying me that they are changing my rate from 13.9 to 17.9. Only a small balance of £450 on card (this is the most its ever had on it) and limit is 5k, had the card for years just seems strange to increase the rate just like that. In their defense did say if I did not want to accept new…
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Can they default me on this now?
Hi all again!, I need a bit more advice please! I recently posted about being nearly mainstream and if there was anything else i could do to improve things, well......... Today i receive a debt collectors letter for £478, I didn't have a clue what this was for, so i called them to find out. It was from an Adams store card…
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mixed messages mbna / virgin & so your advice please
Trying to tackle my credit card debts and so phoned mbna, where I had the largest balance and highest interest rate. Explained after a 2-3 yr period of no wage increases I was due an increase later this year and with cutting back of other expenditure, I was hoping to start repaying debt faster (had only been making minimum…
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How do I stop Paying the Credit Card Companys
Morning, have posted on “debt free wannabe” about my issues, was wondering how do I go about contacting the credit card companies I owe & tell them I would like them to do reduced payments, do I just stop paying them then contact them or contact them 1st, I’ve never missed a payment but its now beyond a joke what I pay on…
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Capital One Mastercard (Cashback & Fraud)
I've had the Capital One Mastercard for a number of years. It gives: * 1% cashback on all purchases * Pays you an annual £10 * Various other occasional benefits (discounted MOTs) However I've also found that in the last two years I have been the victim of credit card fraud and they have been really poor at dealing with it.…
