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Creation credit agreements
Hi all Not a credit card question, but it does concern a credit agreement. My Other Half has bought a sofa on 0% finance, and that side of things is being handled by a company called Creation. As far as I knew, he'd signed all the relevant paperwork, but we recently had a letter through from Creation asking him to call to…
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Credit Card Help Needed Please
After i finished uni i took out a tesco credit card, the main point for me being that it was interest free on all purchases for a year. I used the card for purchases and used it for gambling as well. I didn't realise gambling on a cc counts as a cash advance, and i also didn't realise that they clear off the least…
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capital one printing error
Hi all, could anybody help me with this please? Capital One recently (feb 09) sent me the following letter (out of the blue) "Dear x, Important information about your Credit Card Agreement Please find enclosed a copy of the financial details of your Credit Card Agreement which were applicable when you opened your Capital…
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Bank mess up, credit rating screwed!
OK, I am posting this to seek advice for a friend. I have a rough idea of what to do but hoping there are few wise heads here who can help. She lost her cards mid-december and rang up the bank to cancel them and ask for new ones to be issued. The bank removed the direct debit she had set up from her debit card to pay off…
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Base provider list
I'm about to tart again and the link for the base provider list I udes before isn't available and I can't find the list anywhere - does anyone know where I can find a list of base providers and the cards they manage please? Yours in hope! :o ( I posted at 12.12pm and it didn't show for 20 mins - so this is a duplicate…
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newbie to balance transfers help?
Hi people.. I have a barclaycard with couple of grand owing on it , is it worth finding another card to do a balance transfer? Also how do i "start the ball rolling?" do i make online applications ect? Sorry if these Q's have been asked a 1000 times, but the balance transfer thread is over 3500 posts long, the debt would…
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Credit card companies - who owns what?
I'm about to tart again and know that some companies run cards for others e.g MBNA run Virgin (I think!) Before I go unknowingly applying to companies I already use - and get turned down, where can I find a list of credit cards and who owns them? yours in hope.......
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extortion credit card -!!!!! at work
i had 4k on credit card easyjet. they transferred my account to citibank who in turn transferred my account to opus. my interest rate has increased from 9.5% to 38%.I missed three payment dates because of the transfers in companies - I have not used the card since easyjet - in fact i have never had a card from citibank or…
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MBNA penalising me for paying early!!
any advice here really apreciated. Last September i took out a CC with MBNA to transfer my wifes Barclaycard over on a 0% Bal xfr as the interest she was paying was silly. I was granted a £5k limit so transfered £4996. I received my first statement in Oct payable by 19/10/2010 I paid the minimum on debit card (13/10/2010)…
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Halifax Credit Card - £5 Cashback
Hi everyone, Just need some advice, so after browisng the site for quite a long time, i'm going to ask and hope to get some answers. What counts as spending on a credit card? Withdrawing cash from an ATM I would assume doesn't count. But does cashback at Co-op count? How about transferring money to another bank account…
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can i clear my debt with one card intrest free?
i have debt for about £3000 one with a loan from bank and one overdraft from same bank, my credit rating is vgood but the loan is charging me an extra £50 a month and i am paying roughly 120 back i have 1 year and half left what can i do to pay it all back in one card? , please ,
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if I were to apply for the MBNA Rate for Life credit card,
how easy would it be to transfer my wife's A&L MBNA credit card balance to the new card or would it best for her to open up an MBNA Rate for Life in her own name with my name added (I earn more than she)? Grateful for any advice.
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class 2 contributions and ppi
Hi,all,Iam a new user so be gentle with me please,I have a capitol one card,and unfortunatley i am going into hospital soon ,to have a kidney removed I am self employed and behind with my class 2 contributions,When i contacted capital one to caim on my ppi they informed me that it would be unlikley my claim would be…
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Confused
I have £2200 on a credit card and a £1300 overdraft I would like to clear. My undestanding is that the best way to do this is via a super balance transfer on a 0% credit card. I would then have to pay approx 2.5% on the credit card and approx 4% on the overdraft as a handling fee. Is this correct and can this be done with…
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Barclaycard - length of time at an address
Randomly surfed the Barclaycard website. One of Barclaycards criteria for having a card: Have had a permanent UK address for 3 months or more Barclaycard Initial doesn't have that criteria according to their website - just be on the electoral roll. I thought most banks would like customers to to live at the address for at…
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Has Halifax's internal scoring system for pre-approved CCs changed?
Hi there, Some background: I have 2 Lloyds TSB Vantages, Airmiles Duo, 1 Halifax Student A/c, 1 Halifax Rewards and until late November a Halifax One Card. I closed my One card so I could apply for a Reward Clarity card. It is already past 30 days, so I can reapply according to Halifax. I am usually 'recommended' for a…
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Are Virgin also MBNA
Hi, i was going to apply for a MBNA card to BT from Virgin,its just crossed my mind that these are the same company Would i be right
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Avoiding interest payments
Hi all - quick question from a newbie! I have a credit card which has various confusing 0% promotions which have been nice to exploit! I want to check when I should move to another credit card to avoid paying massive interest rates. I made a single purchase of £5,000 in November taking advantage of 0% on purchases until…
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Paypal
Hi I wanted to know if paypal still do a credit card ? And also if they do the requirements thye seek from customers? Thanks
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Duplicate payment taken from my bank account. How was this possible?
Firstly, this is not a major problem, as the duplicate has been refunded, but I am more concerned as to how this was possible in the first place. Quick resume of what happened. On Dec 5th I made a £37.50 purcase at Clinton Cards high street shop, using my RBS VISA Debit card, using chip and PIN machine (and the card never…
