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House of Fraser Store Card
I've had a house of fraser store card for many years, from when it was run by GE banking. 9 out of 10 times I had always pay my bill on time. Since it went over to Santander I'd get phone calls and threatening letters as soon my payment date was missed! They have never really bothered me as I've looked at them as being my…
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Credit card faster payments
Is it fasterpayments with credit cards? Ie wanna. Pay my Santander credit card from my lloyds tab account will it go on the same day or shall I just ring up??? Thanks in advance!
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When did/will Natwest switch credit cards to higher interest repayments first?
Hello all... After some editing, I almost managed to fit the entire question into the subject line :D I have a Natwest credit card, but can't find the letter announcing the switch of repayments to higher interest balances first. Could any other Natwest or RBS customer confirm on what date credit card payments will start…
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Debehams credit card problem.
Last month I paid the remaining balance on my card seven days before it was due. While out shopping on Christmas Eve my debenhams card was stopped. I contacted Santander and explained the problem to them. They stated that the payment had not been received. I checked with my bank and they confirmed the payment (cheque) had…
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Transferring credit card debt to loan
Hi Does anyone have experience of transferring the balance of a credit card to a loan with the same company ? I had a Nationwide credit card and when the company sent out my new card (date expiry) It was cancelled . My fault I think, as it was due to me making some late repayments, I was never actually told by the company,…
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Help with Balance Transfer terminology
Hi Guys, I have the following credit card with a lmit of £3000 http://www.natwest.com/personal/credit-cards/g1/platinum.ashx I also have a Barclays visa credit card with a £3000 limit If I spend the Visa limit and transfer the balance to the Natwest Platinum, how much will I end up paying them? I am a little confused with…
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Payment arrived late
Hi I payed my Post Office credit card bill over a week ago but it only got to them on the 30th of Dec when it was due on the 29th of Dec. Will this be marked as a late payment or do they give a bit of extra time at Christmas ? I ask this because I got an email from Barclaycard and they put my due date back by 3 days over…
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MBNA card - 0% on new card purchases?
Hi guys, Looking for some advice. I have had a MBNA bmi Mastercard for a while now and hasn't been using it for more than a year. Got it when they were having some 0% promotions. I got a letter recently and so logged in online to see these promotions for me. 0.0% until 17 September 2011 on any new card purchases from…
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Debit Card Fraud
Is there any redress if a debit card is involved in a fraudulent scam? The tel no of a hotel was hacked and card details were taken to reserve a booking and until the scam was revealed, four illeagal transactions were made.
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Credit Limit Reduction
If I reduce my credit card limit, how long does it take before it will show on a credit report (Experian for example)? Am thinking of reducing the limit so that it doesn't count against me when applying for new credit card, but don't want to apply to early for the new one if it takes months to show up.
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pay off highest interest rate first
Now that most credit card companies have changed their policies about using payments to pay off ammounts with the highest rates of interest first, has this changed the advice about not spending on cards that you have done a balance transfer on? I am tempted to try it but wanted to check to see if other members of the forum…
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Best Credit/Debit card
I am planning a trip to the USA later this year, and I was wondering which is the best way to exchange sterling for dollers. Would getting a card and loading it with US dollers here in the Uk be better than exchanging it in the US. I don't want to use travellers cheques as when I was in Italy last year it was a ripoff. I'm…
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email address for Debenhams Credit Card
Does anyone have a email address for the debenhams credit card people (Run by Santander cards) as my wife has applied for a card and been sucessful but I have to ask them if they have a RNID typetalk (Minicom) number that she can activate the card on as she cant use the phone. Many Thanks
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Debt suggestions - card tarting maybe?
Hi - wonder if i could get a little advise. I owe 1800 pounds, to two companies one being a halifax credit card with 1300 and one being edge card (comet etc) with £500. I have made it my mission to pay these cards off by June this year, but im wondering as I pay £25 interest each month at the moment if theres any sort of…
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new to credit cards
wondering if someone can help me, im going to florida in may an is wanting to get a card to pay off the holiday but as i have not had a card before its hard for me to decide wot one to get, i just want to pay off holiday an not use it again, so any help with my dilema would be great :) x
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Will a missed payment affect my credit rating much?
I have a Virgin credit card that is nearly at the end of its 0% promotional rate. I have a balance on there that I'd like to transfer to another 0% card. Stupidly I was late with my payment last month and paid it a few days late, incurring a late payment fee. This is the only time I've ever missed a payment and my credit…
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Santander House of Fraser Mastercard
Even though I have defaults, and not a very high credit score I was amazed that i got accepted for this card. At 24.9% APR - 10% lower than my Capital One card i was very pleased that it also came with 0% on balance transfers for 9 months. So... got my card 2 days ago, phoned the British call centre to activate it - simple…
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Barclaycard Gold?
Hello I have a LTSB Duo card and always clear any balance on that, however dont use any airmiles, so think a barclaycard may be better, I tried the pre-application checkered and its said 80-90% approval chance for a Gold or Initial and 70-80% for platinum, does anyone know how accurate the pre-application form is?
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Right credit card for DIY purchaces
Hoping to buy a new house soon, well it's really an older house that will need new curtains/carpets/painting etc. Have got the money to buy what we need (i think) but is there a credit card that will get us a discount in B&Q Homebase etc?
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Barclaycard Initial to Gold Upgrade ?
My wife has had an initial Barclaycard now for a few months and always paid in full used it well, now if you use the Barclaycard pre application checker (I know you are not supposed to use it if you already have a Barclaycard) it tells her that she has a 70-80% chance of being accepted for a Barclaycard gold. So should she…
