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How to calculate Minimum payments
I have an assignment for school so this is entirley theoretical Outstanding Balance = £2500 Interest= 17.6% (APR) Minimum payments = 2%/£5 If only the minimum payments were made how do i calculate. -Interest paid -Months taken to be paid off Thanks =)
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Call me 'Thick' but CC help required
sorry to burdon you guys with this but not being a CC holder and never have been i just need a little bit of advice. Question: i'm thinking about a small purchase of £2500 and i can repay this fully come late March/early April but the purchase will be made sometime this month (January). Rather than applying for a loan i…
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Credit File - Default?
Hi A question. I am applying for a new job and part of the vetting process is to see if I have and CCJ's (No), Bankrupt (No) or any Defaults (Not Sure!) - I have told the potential new employer that have have some late payments in the past year. They still wanted to proceed with the job application as they say its possible…
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Capital One
In November, I got a letter with vouchers etc and within the letter, it said that there was a cash back deal for Dec, get £5 (I think it was) for every £100 spent. Spent £200 limit then paid £187ish on payday and nothing is showing to say I received money back... anyone?
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Where to shift Virgin CC balance to?
Hi, I currently have a £4000 balance on a Virgin CC where I took advantage of the 0% deal. This is due to finish around April time I believe, so thought I would start thinking about the next 0% card to move to. I have been sent a letter by Santander offering me their credit card with 0% until spring 2012, however, I did…
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Obtaining credit reports - dates
I am planning to credit reports. It says it wants to know what date I started living there/date moved in. However, I moved into a new house in May 2010. I didn't put my name on the rolling register, but put my name on the voters roll during the canvass period (September/October 2010). I will put May 2010 on the online form…
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Multi Agency Credit Reports
I would like to see my credit report from the following websites below, as the subscription provides access to all three credit reference agencies: http://www.checkmyfile.com/ http://www.annualcreditreport.co.uk/ Which is better? Opinions appreciated if you guys subscribed to one or both of the above. If there are others,…
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Advice needed on forged T&C
Hi all I do not want to give too much information away in case I tip off my opponents. I am claimant and have just received the defence statement. The defence relies heavily on their attached t&c. I have all the details they supplied me ten months ago in reply to a full SAR which includes the t&c. The original t&c is…
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Natwest Your Points World MasterCard. Is it any good?
Hello all, I was thinking of applying for a new credit card that will reward me in some way for my spending. I have spent a shockingly huge amount over xmas and the past few months but my current credit card has no rewards or cashback which is a shame. So I was just wondering if anyone has this card and is it any good? I…
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Best low for life balance transfer cards
Can anyone suggest a low for life balance transfer card? I have about £5,000 on a Natwest card at 16.9% and I want to transfer it ASAP. Many thanks
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Direct Debit Payment Taken By MBNA
Greetings, I did a balance transfer last month from MBNA to Halifax, the minimum payment before the balance transfer was about £50, obviously the balance transfer paid for this and my account was updated to show minimum payment of £0 due by 8 Jan 2011. Imagine my suprise when today they have taken £50 by direct debit, ie…
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Was my address(delivery) used for fraud? Im not sure yet. And fraud after a mugging
1) A few weeks ago a friend who I hadn't seen in a very long time told me that he was at work all day and that 3 packages were going to arrive for me over the course of 2 days that he wanted me to sign for, and thus put my address down as the delivery address. I noticed when the packages came there was a name which wasn't…
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Which credit card for student working in the US?
My 20 year old daughter is going to work in Florida for the Summer and she is looking at getting a credit card, just for emergencies. She is a full time student but does work part-time but does not have a credit card at the moment. Has anyone any suggestion which card would be the best for her?
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problem with prepaid mastercard - declined on first use
I went into John Lewis to buy a laptop bag today as a means of spending a 25 pound Mastercard gift card (Christmas present) and the payment was declined. It wad new out of the pack, and not nicked (well assuming my aunt hasn't taken up shoplifting). Has anyone else come across this type of problem with these sort of gift…
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Cancelled card - but I think they owe me money
Hi all Just wondered if anyone had any experience of having a store card account closed down when there should still be a balance on there? Longish story but bear with. In Oct 2008 I applied for a Debenhams store card. I rarely use them but it meant 20% off what I was buying at the time, which was a significant amount.…
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Credit card use text messages alerts
On a recent business trip to South Africa, every time the person who I was visiting used their credit card, within literally minutes they received a text message on their mobile advising that the card had been used. As my card was recently used 33 time @ £30 at Apple, this facility would be extremelly usefull, Is anyone…
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Barclaycard grumble
I am reminded monthly by Barclaycard that a payment is due in x days. Apart from the fact that the reminder is sent out around a week in advance, which is a little too early in my view, I am happy to receive this reminder. However, it also states that if I pay online I must allow three working days for this to appear on my…
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Barclaycard grumble
I am reminded monthly by Barclaycard that a payment is due in x days. Apart from the fact that the reminder is sent out around a week in advance, which is a little too early in my view, I am happy to receive this reminder. However, it also states that if I pay online I must allow three working days for this to appear on my…
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Refund making £0 balance - Minimum payment still required?
Hi, I have a £16.65 balance on my last month's Lloyds TSB Airmiles Duo card (December 2010). Early January, there was a refund of £16.65 back to my card, and I have not used the card since then. Hence, the balance is £0. However, I understand that refunds do not count as payments. I called Lloyds TSB, the agent seems not…
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Help with Barclaycard Interest Rate
Hi, I recently signed up for a new CC from Barclaycard and I applied for an offer which came with 12 months 0% interest on purchases. I am looking at my account online and can not see reference to my introductory offers etc. Previous CC suppliers have shown this on statements etc and when the offer is due to expire, does…
