-
Balance Transfer for newly unemployed
Hi - I was made redundant a few months ago and in a bid to save money (as I've not yet been successful in getting a new job), I'd like to balance transfer my credit card debt. However, I don't know where I stand now with new credit card applications without being employed and therefore having no income. Please can anyone…
-
Balance Transfer to Card with Existing Balance
Hi all, I have a Barclaycard with outstanding balance of 2800, just started charging interest. They have just offered me 0% for 8 months on new balance transfers. I have 2000 on another card which also charges interest. I was about to pay it off in full but am I right in thinking that with the new order of payments rules,…
-
Barclaycard problem
Want to do what I thought was a simple thing, get some money into my sons bank account from my Barclaycard. Don't lecture me about doing the wrong thing, it will be transferred to a 0%. Well Barclaycard used to send me unwanted cheques till I asked them to stop so I rang the Indian call center and asked if I could have…
-
Is this legal and what can I do? - Locked into CC by banks errors
OK, just the important points.. I have my Credit Card, Current Account and Loan with the same bank. I have a small mortgage on a large property and I pay all my bills on time, always. Due to an admin error at the bank (which they've fully acknowledged) they cancelled the Direct Debits for both my Credit Card and Loan. This…
-
Is there an threads etc on Credit Card Agreements prior apr 2007
Is there an threads etc on Credit Card Agreements prior apr 2007 Hi been looking into the flaws in consumer credit act 1974 & wiping off card debt, info patchy - is there any on mse??
-
Card security - do the banks actually care?
FWIW, I have a problem remembering PIN numbers that I rarely use. It's nothing serious, just that I've got so many of these wretched 4-digit and 6-digit numbers to remember that I often forget the one I need at the time and/or forget which PIN applies to what. Although I say that it's nothing serious, you can take it from…
-
Credit card - spotting fraud
Why can't I see transactions on my credit card in my online statement more or less as they happen as I can with my debit card? After my card details were compromised recently I cancelled the cards and looked at my bank statements online to check none of the transactions were fraudulent. For my debit card I could check my…
-
Building Credit Profile - Next Step
Hello, I'm helping my partner build her credit profile up, with a view to buying a house together in a few years. She had next to no credit history what so ever about 18 months ago, so we've had a nice clean slate to work with. We started by getting her a proper current account. Done - which later got 'upgraded' from a…
-
0% on purchases vs no foreign charges
I'm going to the USA for a month in May and want to know what would be the best credit card to get. I will be using the card for purchases, i.e. hotels, petrol etc. (spending between £1000 to £2000). I will also take a few months to pay this off when I get home. With this in mind, should I be looking at a card with a good…
-
Stupid question??? Cash on credit card
If I take some cash out on a credit card the pay it bask in next wed, 2nd feb, will I pay any interest on it?
-
Credit Reference Agencies
Can someone possibly give me advice on the below please? If you apply to see your credit file, and they send you out a PIN in the post, does this mean there is something dodgy on your file (CIFAS for example)? Reason I ask is, I am on voters roll (have been for four years) and and I also used a credit/debit card registered…
-
Failed internal lending criteria.
Grrrr:mad: Just been declined for a CC again! Didn’t even get as far as the credit check. Getting quite infuriated now. Is there anybody out there willing to give some advice on lending criteria? Bit of background info I have a fairly clean credit record. One late payment to British gas April 2010. Two late payments to…
-
Credit Card for £5000 purchase or save cash for it? Dont knows for the best?
Hi, I have a purchase i need/want to make for £5000. I have been saving £100 a week and in a year have the cash but i would 'prefer' to make this purchase sooner rather than later. from my point of view the pros and cons are this; Pros- Get the purchase i want now. Can afford to pay it off within a year so i can take…
-
electoral role
checked my credit file and i have noticed i have been taken of the electoral role as of ocotober 2010. i havent moved addresses. i have arranged for some new forms to be sent to be added back on. is there any sort of timelag with it being added back? and once im added back on will i have to wait any paticular time before…
-
Capital one closed my account but still on credit file?
It's been over 3 months now and they refuse to remove it and state the details on my credit report to be correct (That I still have a card with them just not using it.) After they sent me a letter saying they are closing the account with immediate effect and to destroy the card. What can I do?
-
possibly a silly question??
hi all id really like abit of advice is it possible to transfer my other halfs credit card balance to mine and get a 0% deal?? thank you x
-
Card payment due 29th (Saturday) - will it come out on Monday?
Hi all, My Nationwide credit card payment is due on 29th Jan which is a Saturday. Does that mean it'll come out of my account on the next working day after that (i.e. Monday 31st)? Thanks, Red.
-
MBNA Positive Balance
I've got a positive balance on my MBNA card. Do they still charge to do balance transfers on a postive balance? (I know Egg didn't) Thanks
-
Managing Debt From Abroad
I could really use some advice here on how to proceed. Due to bad money management, separation etc. I have around 16k debt spread across 3 credit cards with a pretty bad credit rating (Couldn't consolidate into a manageable loan). However, for the last 7 months I have been living and working in Australia paying the credit…
-
HSBC Rate Increase
Hello everyone, If you have a HSBC credit card please check your APR. I have noticed that mine has increased from 22.1% to 33.5% within the space of a month with no notification - who said bankers got small bonuses !!!! I have phoned to start the rejection of their rate change process off. The bank did not even have the…
