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2x credit cards.
HI I have 2 credit cards, a barcleycard and a caravan club card. I have had them both for a few years. A few years ago barclays took over caravanclub, both have different interest rates. I have asked if they can merge the two for one payment, they have said no. I have asked the bank for a loan to pay off the cards, they…
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Balance Transfers
Hi there, I was just wondering if anyone knows, how long you have to be with a credit card before you can leave and transfer the balance to another provider? Thanks
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2x credit cards.
Hi, I' have a barclaycard ,and a caravan club card which i have had for a few years .A couple of years ago Barclays took over the Caravan club card .(with both different interest rates) I have been to my bank to ask them to merge both cards ,or one loan to pay off both cards but i have had no joy .I' have asked other banks…
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Being Chased for a MasterCard debt from 2001
For the last couple of weeks I've had letters from Rockwell Debt Collection Agency saying I owe over £1000 to them for a debt originating at Royal Bank of Scotland, who I've never been with so I ignored but I rang them today and they say the original debt was a natwest mastercard in 2001 - but then later he said it was…
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Asda Santander Card
I am wondering if anyone else has had a similar experience with Santander? I know they get a bad press - being foolish I applied for one so I could get my shopping delivered for free (having very limited mobility it is something I rely on). I set up a direct debit (and a BT) during the application process. I was sent a PIN…
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Best credit card for expenses?
I currently have an British Airways American Express card that I use for expenses. The benefit I get is BA miles on my expenditure. I spend around £20,000 per year on it. However, I can't stand BA as an airline and avoid then at all costs these days! So, which credit card has more useful benefits given my expenditure? I…
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Duplicate Accounts
Apologies if this is in the wrong area.,, but i couldnt find anywhere to post it. I have ordered my £2 credit report from experian, and I have noticed the following duplicates under credit account information. C1 - HSBC - Same as - C8 C2 - HSBC - Same as - C9 C3 - 02 - Same as -C10 C4 - Northern Rock (Settled) - Same as…
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Credit Card Query
I was offered a credit card from my bank the other day - I didn't really need it but the offer seemed very good, so I applied and was accepted. I was emailed on the 18th and told the card would be with me in 10 working days. Great! However today I receive a letter stating 'your account no longer meets our lending criteria,…
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Quick credit card question
Hi All, I have a credit card with a £4000 credit limit. I have just balance transferred £1400 on to this card. It is 0% interest on balance transfers for 12 months. The situation has now arisen where I need to buy a car to replace mine. I am looking at spending £2000 and putting it on my credit card, which is 0% on…
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Vanquis to Natwest Balance Transfer
So, like many on here, I guess, I had to resort to the Vanquis road to credit revival after a few years of reckless student life! Had the card a couple of years now, have been pretty good with making payments, but my balance has kind of crept up towards the £1k mark. I bank with Natwest, and when on the phone to them, they…
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Santander CC
Hi, Ive just received a new santander credit card with 13 months interest free for credit tranfers. I got this card so i could clear my capital one card and burn it. Thing is, something came up and ive had to use almost the full credit for a purchase. I will have it cleared at the end of Feb but can i still transfer from…
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Making 1 off payments to my AA credit card?
I'd maxed out my Tesco card pretty much. One handy thing i found with the Tesco card was you could make interim payments. If i'm out with my girlfriend for example, and she needs to buy something, i could get it on my card, come home, sort out the transfer from her account to mine (current accounts that is) & then send…
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Credit card fraud warning-Please read.
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UK credit or debit card use in Spain
Hi I've just moved to Spain and have UK income into my UK bank account. I want to use my UK money in Spain with the best conversion rate that i can get - ie. something close to the actual currency conversion rate. I have a tescos credit card that gives a terrible rate of exchange. I have a Nationwide debit card that gives…
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CCJ on credit file - no nothing about it
Apologies if this is posted in the wrong place. I recently applied for a credit card but was rejected. Other than a mortgage, I have never had any debt so I sent off for my credit report which has a CCJ from last year which is marked as satisfied. I assume this means that it has been paid. I have never been in debt let…
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Retailers Credit Card Charges
This may seem like a bit of a daft question, but I know pretty much nothing about credit cards. I'm 20 and have never had one, but I am thinking of getting my first one soon. I'm mainly doing it for the rewards (I'll probably get something like the Amazon or Play card after reading an article here about them) and I am…
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bank of ireland credit card
Quick question I applied for the highest apr card they do the other day noticed a equifax alert for their search and then this evening I recieved a phonecall asking about our redirection. I confirmed it as we rent out my old flat(i can't afford two mortgages!) She said she was sending paperwork out? I have a five year old…
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Vanquis Credit Card Fraud
Hi Everyone, I'm a bit of a newbie here and can't find the recent thread I posted. I have recently received a Vanquis credit card which I did not apply for. I immediately rang Vanquis and they put a block on the card which I obviously hadn't signed or authorised. They told me to take it to the police and get a crime…
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Barclaycard - Please help!
Hi, I wrote a letter to Barclaycard about three weeks ago asking them if they could freeze the interest on my card temporarily as I'm over the credit limit (and have been for about three years) and just can't get anywhere paying it off. I still haven't heard back from them!! Does anyone have any tried and tested addresses…
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Chances of obtaining Virgin C/C
Hi, I applied for a Virgin C/C the other day on-line. Wasn't refused straight away. Instead said further checks to be conducted and i should hear within 7/10 days. In the past my credit was poor a few defaults etc.... years ago. All paid now...have own mortgage, car finance, loan (paid off)3 C/C's RBS, Capital one(pay it…
