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Barclycard Statement Date.
Hi all, I was just wondering if anyone has encountered the same frustrations with Barclaycard Simplicity Card as myself regarding statement dates? Every month the date seems to be roughly around the same date but seldom the same, which is incredibly frustrating. They also seem to fastrack pending transactions to ensure…
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Natwest CC - Does purchase of Tesco Gift Card constitue "cash substitue"?
Hi, I wanted to purchase some gift cards for my cousin's birthday. I know there are questions of this posted before in MSE, where gift cards were classified as purchases, but they didn't specifically mention if their cards were Natwest. In the CCA, Natwest says a "cash substitute" is "A voucher, gift card or other…
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McKenzie Debt Collection Letters
Hi, not sure whether this is the correct place to post this but i couldnt see a more apprioriate section. basically my wife has received some letters from McKenzie Debt collection agency but when we checked her credit report there isnt anything on it. Where do we stand with that? it says their speak to the courts if we…
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Does this mean I have now got a reasonable credit record?
Hi All, For the last few years I have had a nightmare whenever I needed credit, I had a default dropped off my file in June last year and had to fight tooth and nail to get a mortgage (we did eventually). Anyway, in July I applied for a Cap One Classic and was accepted with a £1k limit, still though my own bank had me down…
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Using credit card legal services
I understand you are able to use your credit card company to pursue a legal claim if you have had a problem with something you bought using your card. Does anyone know how to do this? I have an issue with United Airlines not paying compensation under the EU legislation and I used my Virgin Money mastercard to pay for the…
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Halifax Clarity card - Avoiding any interest at all on travel cash
Hopefuilly a simple straight forward question that someone will be able to answer. If I apply for, and am successfu,l in getting a Halifax Clarity credit card, with just the sole intention of using it to withdraw cash (VND) whilst on holiday. If I then effectively 'load the card' with my holiday spending money ie pay say…
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Equifax? or local council?
Hi guys. I've been having a few problems with my credit recently for companies that mainly just use Equifax. I bought a report from them, actually two, and the address is what seems to be the problem. As i saw earlier in a part of the forum, Experian can identify variations of an address. All my credit agreements for all…
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Virgin Money Credit Card Complaint
In July I took out a Virgin money credit card to take advantage of a 0% balance transfer deal. My first statement arrived in August but it was whilst I was on holiday (I never thought to ask and was not explicitly told when the statement would arrive and be due for payment). I phoned them up and explained that I can pay…
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PayPal - Nationwide Credit Card
Hi there, I need to pay someone who bought parts for my car at trade price for me, saving nearly £200. He has requested PayPal. If I pay him using paypal and my CC, will I get charged the "Cash Advance" fee? Or will it just count as a normal merchant transaction? all help will be greatly appreciated
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First Time Credit Card
Hi All, Im new to all this and hope that you can help me... I am 23, and recently attempted to apply of a Tesco ClubCard Credit Card as have been doing some research and it looked liked the best one for me. I received a letter through to say I had not been successful with my application - they said my credit score had been…
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Virgin Cash Transfer.
HAving just applied for Virgin card and read all the bumph I am unable to figure out if I can use the card to transfer cash to my bank account. Getting confused with the info regarding using Virgin and Egg Money cards.
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Halifax Clarity
Hi, I have applied for the Halifax Clarity card and in the Credit card section on MSE it states: The Clarity card from Halifax has no foreign exchange fee anywhere in the world, so you can get the best rate possible. Plus it doesn't charge a fee for cash withdrawals, although you will be charged interest even if you repay…
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Is there a time limit on companies taking money for an order on your Credit card?
I was just about to report a fraudulent amount on my credit card from a company I ordered from back in October 2010. I assumed I'd paid, they took two payments, the order was shipped in two parts, some of the order wasn't going to be restocked so omitted from the order and payments. I assumed It was all paid up. They have…
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Reclaiming money once a company goes bust
Hi I have recently bought some furnitur onlinem the company have gone bust and debited my account. what should i do? thanks
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Balance transfer to spouses card?
I wondered if it would be possible to transfer a balance to my wife's credit card (should she be approved for one) she currently only has a debit card. I was recently turned down for a loan, i.e, around 3 -4 months ago, & did not wish to damage my credit score further by applying for any fresh,credit in my own name. I have…
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How rubbish are Equifax???
I've been trying for a while now to get a report from Equifax due to moving house and wanting to make sure all my CRA files were correct and up to date. No problem with Experian up and running and did the 30 day free trial and got a default removed which had nothing to do with me with no issues. Equifax however have asked…
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Can I apply for the Barclaycard Platinum?
Hi I have seen that Barclaycard Platinum is offering 0% for 17 months I was wondering if i can apply for it as I already have another Barclaycard? I know i can't transfer debt from the current Barclaycard but can I get it and transfer from other prividers? Thanks
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Halifax MasterCard WHAT!
Hi So I got a nice letter from the Halifax today informing me that my APR has gone up to 25.45%, that is an extra 17p in every £100 which is allot if you have a large balance on your card. Maybe time to move.
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Cca
Hi, In October I got some letters from Wescot Credit Services chasing me for a credit card account that was in default from Lloyds TSB. I have never had a credit card from them so asked for a copy of the credit agreement. After months of chasing them for it Lloyds suddenly took the account back from them and passed it to…
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Half Balance Transfer Query ?
Hi Everyone. My OH applied for balance transfer from Intelligent Finance to Santander as the were doing a 0% interest on B/T's. We had £5200 in IF paying £100 a month but habing £50-£60 added on in interest, as we had the card for about 3 years. We got the new CC today which says Credit Limit £3100, so were presuming this…
