-
Do i need a credit report ?
I have never had a credit card in my life and i have never loaned any money whatsoever. Do i need a credit report ?
-
Cardholder Payment Protection
I am unsure as to whether I can reclaim amounts of cardholder payment protection which have been added on to my monthly Tesco Visa Card statements each month. Can anyone advise me if this could be interpreted as having been mis-sold?
-
I haven't paid EGG a penny since May 09
On a credit card with over 7 large on it and only pay £32 a month to Halifax on a cc with roughly the same on it.
-
Feedback on why I didn't get accepted for CC & mortgage worthyness!
Dear All, Today my application for a Amex Platinum Card was declined today and I'd like your thoughts as to why, as it has me worried. Firstly, the only reason I'm using a CC is to boost my credit history so when I apply for a mortgage (in approx 1.5 - 2 years time) I ensure that I will get a decent rate, but getting…
-
Egg not allocating payment to highest rate please help
Firstly may I say I've been following MSE for years but never posted before. Everyone is so helpful on here I've paid back thousands and saved thousands so a BIG thank you to everyone on here. My problem is with my Egg card and I wondered if someone may be able to help. I have two amounts on my card one balance transfer…
-
Improve credit rating
Does paying with a credit card and paying it of straight away improve your rating faster or does it not matter as long as you dont miss a payment?
-
HSBC Balance Transfer problem
Hi, I opened an HSBC credit card on 4th Jan to take advantage of their 0% balance transfer for 15 months for current account holders. I did my balance transfer of £2400 from Halifax Mastercard on 24th Jan and didn't hear anything back. It said online they would be in touch if there was a problem. I got a courtesy call from…
-
bad credit rating
Hi am asking on behalf of my son who has been refused a phone contract due to bad credit rating. He has no debts whatsoever or credit cards but has been the victim of attempted identity theft which he managed to avert, however this is now showing up as a bad credit rating, he has had no halp from halifax who have told him…
-
New BT - wait till the current offer expires?
Thanks largely to MSE I have been successfully borrowing on credit cards for the past year using promotional BT offers. I won't be able to clear all of my debt (cca 15K) by the time the two promotional offers I'm currently using (0%+6.9% on one and 2% on another credit card) expire at the end of May. For someone who's…
-
Halifax Clarity Card - Experiment
I am going abroad on monday 21st to Pakistan for 1 month. Will be taking my clarity card with me to withdraw money from the cash machine. Just spoken to Halifax and they say the total balance on my account is £501 but the direct debit due to come out 28th feb is for £365. I have told them I will be clearing the whole…
-
How often should I apply for cards?
I am going to Australia in 6 weeks times so want to apply for the Halifax Clarity Card to make the most of their excellent rates (I will be paying back in full when I get home, but don't want to take lots of cash with me). However, in April I also want to apply for a 0% balance transfer card as my current deal runs out in…
-
mint charges took me over my cc limit
Can anyone help with this please? Last month hubby was abroad and due to an emergency needed to withdraw cash on our Mint credit card, subsequently a cash handling fee of GBP3.00 took the card over its limit by .49p for five days til we paid the card (by more than the minimum payment). which took the card back below the…
-
Should I continue to card tart or pay it off ?
Hi I have been a card tart for a number of years. Shirfting my debt to 0% BT for as long as possible. However now that I have become a MSE I have managed to save an emergeny and a little nest egg, which is enough to pay off my CC debit, but I don't want to... becuase I enjoy watching my savings grow. Ive looked at the fees…
-
Is this legal? (credit balance reduction)
Had my C/C company reduce my credit limit recently, despite my credit rating being decent and the fact that I pay more than the minimum each month. Fair enough, many may say. In fact I don't have a particular issue with them dropping my limit per se. However, they have lowered my limit to an amount below the outstanding…
-
What a rip off! First Direct
..........
-
Some advice please...
Hi there all – I need some advice. I need to spend around £10,000 over the next few months but would like to effectively pay this over a 12 month interest free period. From some research that I’ve done through this website and others, I have concluded that getting a credit card with a 0% introductory rate such as the one…
-
Insurance
My Husband is beng made redundant in November and I need to get my finances in order before then. I am currently paying almost £50 a month on the insurance premium for my HSBC credit card. Can I cancel this and if so is it as easy as just writing to the bank?
-
balance transfers and loans belgium
Does someone know if there are balance transfers possible in belgium ? Does someone know if cheap loans from other countries trustable are possible in belgium?:T
-
Prepaid Visa Electron
Hi I'd like to have a prepaid visa electron in sterling, the cheapest one. I had a look around, but it seems that visa electron disappeared from the UK. Any clue? Thank you!
-
Stupid Question?
Wanting to buy a car for about £11,000,going to trade in our car for £6,200 and thinking of applying for a Tesco 0% credit card to pay the remainder,not a problem to pay off this ammount over 13 months. Would I be able to borrow this ammount? There are a few garages offering 0% but the prices are bumped up first to cover…
