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Credit card for business use only
Hi, I am looking for a credit card for business use only which each month I will can repay in full. Any suggestions would be extremely helpful.
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Best credit card for oversees spending £2000
Hi, Please could someone advise me on the best card to use for spending abroad. I have read the guide however the Halifax card charges interest even if I repay in full. I am travelling to America and will be running up a bill of £2000 so the interest on that is pretty big. I did apply for the sainsbury gold however did not…
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Bad Experiance from Experian
Help! I don't know what to do? I did the free trial with Credit Expert a while back and was very impressed. I got a couple of incorrect entries sorted and then applied and got a Barclay Card with balance transfers at 0% for 16months (limit of £1600) I have about £4k debt on cards. I moved £1600 of my debt from my high…
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Barclaycard & Legal Direct. Help needed!
Morning all, A couple of weeks ago, a firm called Legal Direct approached my wife with a proposal. They advised that at present they are processing claims against credit card companies. They advised there is a good chance that we did not sign T&C's with Barclaycard - therefore, the agreement is not valid. They said they…
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I need your expert help before I apply for a new CC
I've got a reminder in my diary to try and get a new interest free CC next weekend. My Santander card comes to an end of being interest free at the end of April and with a 6 week period to apply and BT monies over I'm applying this coming weekend for a new card. I Owe: Santander - £2,157 (min payment is 1% £22) Tesco -…
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Advice needed- credit report issues due to credit card
Hi, I've just looked at my credit report for the first time as I'm looking to buy a house this year. It describes me as 'fair' despite the fact I have no debt. It does however say that what is going against me is "You have several credit agreements (excluding mortgages), and the outstanding balance is high". I have a…
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Tesco: how long to leave balance to gain points before clearing?
I've bought some new furniture today and paid on my Tesco card, with the full intention of getting the benefit of my Tesco points, but then also paying it off. Does anyone know how long I have to leave the amount on (about £400?) so that I don't get interest charges, but I also gain the advantage of clubcard points? Is it…
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Why doesn't Experian Automaticaly Update?
I stupidly applied for a CC without checking my credit files, as I believed they were all OK. I got declined. I've now just checked, and experian hasn't picked up on my current or last address (3 months and 8 months repsectively), this may well be a big contributory factor into me not getting accepted. For the last 2…
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Airmiles loyalty points versus credit card charges
I had to pay off the balance for a holiday today and thought that it would be a great way to rack up some more air miles if I paid using a loyalty credit card. I was slightly horrified when I went to pay to find that if I paid using any credit card then the charges came to £17.80. I decided to work out just what the…
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confussed about credit cards
Hi, just incase anyone can help, I thought i would put this on here. I've got a credit card with the co-op, but sadly due to there not being many banks near me, the nearest is in town, where I don't go very often now, I am thinking of changing to another bank for my credit card. I just don't know which one to have, there…
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tesco credit card
Has anyone else had their Direct debit changed without their knowledge by Tescos? I have had a Tescos credit card for a fair few years now and set up a direct debit to pay the full amount of the card each month from day one. This month my statement arrived and the direct debit hasnt been taken? there is a £12 charge for…
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Quick question
I cant quite find the answer despite searching... Are HSBC part of the Virgin Money (MBNA) group??? Thanks
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Overseas cc rethink - help
Let me start with the background info. Currently have following cards (with these limits) and ALWAYS pay in full (use as a debit card - never had to make an interest payment) Nationwide (£3300) Virgin AMEX (£1500) Egg Money (£2000) BA Amex (£3000) My spending strategy is currently put as much as poss on Virgin AMEX (as…
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Graduate credit cards equivalent
It seems like most banks don't offer graduate credit cards anymore, but still offer student credit cards. The equivalent to graduate credit cards seems to be a 'Classic' one (not Gold, Platinum, etc...). Out of curiosity, how come they aren't offered sub-prime cards/rates, like Aqua, Vanquis, and the like? :o
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Halifax CC, is it poss to claim PPI after having made claim
Hi all Received a leaflet and a nicely worded * cough* letter from Halifax saying they may have mis-sold my PPI which I was paying at 87p/£100 on the balance which averaged £1200 a month roughly. I made a claim under a life event (my DD being born) in which they paid me £60 ish... I cancelled soon after that - a couple of…
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Card APR's
Hi Folks this is my first post. I have been looking at the APR's on my credit cards, one says 20.9% variable the other 29.9%. I have just talked to an Indian lady, who I could only just understand! at the 29.9% company to see if they can reduce the APR and she said they cannot! This particular company are advertising new…
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Santander Credit Card
Hello, I've had an Abbey Credit Card (now Santander) for a few years now. I havent used it for a while but since Xmas have spend a few hundred on it each month until I get my finances back in sinc with wages but always pay back each month. I am being charged interest in purchases even through I repay monthly. The call…
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quick credit card question about foreign purchases
I have the Halifax Purchase Offer card, and I believe the fee for overseas purchases is 3% or something This is a stupid question, but I'm buying some things from an American website, and just want to double check, is this a one off fee, or do you pay daily like with cash withdrawals? Is that for the currency conversion,…
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help with credit card interest rates
hi trying to work out with all my credit cards which is cheapest but on some i have rates like 1.7366% which is where i get confused can anyone make this simple for me to work out as trying to pay off most expensive first much appreciated: :
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Net+ card from neteller
Signed up for - or tried to sign up for - a Net+ card on this site's recommendation, to avoid paying Ryanair's exorbitant credit card charges. Alas, I have to report it's been a nightmare so far! 1. Navigating their website when you want to activate your card is a challenge to start with - took half an hour, going round in…
