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"Which" is issuing complaint to OFT over excessive fees for Debit & Credit Cards
http://www.consumeractiongroup.co.uk/forum/showthread.php?293970-Credit-Debit-Processing-Fees-Which-Super-Complaint-to-the-OFT&p=3294222#post3294222 Which? is issuing a super complaint to the Office of Fair Trading over the fees retailers charge consumers for paying by credit or debit card and they need your support. Got…
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RBS Credit Card - Check your statements!!
Hi all, Just to advise anyone else out there - check statements for erroneous charges! I had a zero balance on my RBS card and they offered me a good 0% balance transfer for 6 months, in December. I didn't need to really, but decided to use this for all our Xmas spending as I was using their money not ours for 6 months,…
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Balance Transfer Help
Hi, I have 1200 pounds on a post office credit card. APR about 16%. I also have 2000 pounds in a Barclays overdraft. The first 1000 pounds is interest free and the remainder is at 14%. I've just been approved for a new CC which has 0% balance transfer for 15 months with Halifax Plus (3% fee). I have about 300 pounds a…
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Sainsbury Credit Card application a PAIN?
I've applied for a Sainsbury's credit card (the Nectar one, 0% for a year). I've sent off my ID signed by a Police Officer and a solicitor 3 times so far and they KEEP asking for ID 'certified by an appropriate person, such as a bank official or solicitor', according to their letter. Well as far as I can see I've done…
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blue sky mastercard
following an article on here last week regarding the different prepaid mastercards I applied for a card at a cost of 9.99. This website advised the application fee would be refunded. Does anyone know how this refund works. Thanks
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NDS TT Cards
My 7 year old daughter is barraging me with requests for a "TT Card" for her Nintendo DS. Can anyone tell me what these things are (Are they safe? Are they legal? Where do I get one from? etc.)?
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loading a credit card
Hi,can a credit card with a zero balance be credited with cash to be used at a future date.
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CC to use on internet
Can you get a CC that you can load with money to use on the internet only ???
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Getting back on track.. which CC is best?
Hi I was on a dmp until last year when I settled on an F&F. I have one default on my file from 2008 which I know will drop off in 2014(!) I'm trying to get my credit rating back up to somewhere around decent and was wondering what anyone could recommend as the 'best' card to go for. I've been looking at Capital One (did…
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nationwide credit card application
Hi all, Quick question - if an online application states waiting for ID/signature, is this generally an indication that it has been approved? Reeeeally don't want to call them! Thanks.
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credit card refusal
How can never having hac a cc in this country be overcome when that is the only reason for denial?
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Barclaycard acceptance/rejection time scale?
Hi all, I applied for to Barclaycard via post around three weeks ago, checked my Equifax file and there is a credit search logged on the 4th of February but no record of a credit account having been opened - I've heard nothing via email or post, is this a usual timescale or am I right in thinking that a letter has perhaps…
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Boosting credit score
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"In Dispute"
Hi folks Under what circumstances can an account be put 'in dispute' ? I know of the 'lack of CCA' circumstances, but can I claim a credit card account 'in dispute' if I feel that the company are being more than unreasonable ? Thanks for looking in
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Basic Credit Card Question
Hi, I'm thinking of applying for a credit card that promises: 0% on purchases for 13 months Just a general point, but does this mean that I can purchase (up to the credit card limit) whatever I want and as long as I pay the full balance back within 13 months then I won't incur any interest or other charges? Thanks for any…
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Settlement arrangement
Hi folks, I have £2500 on my egg credit card at 29.9%. I am currently on an arrangement where they have frozen my interest for 6 months but I have just remembered that I have 2 KrugerRands that my father left me which would raise around £1600. I didn't want to sell them as I wanted something to pass on to my kids from him…
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Direct debit payments
I have several credit cards and I pay off the full balance on each of them by monthly direct debit. I discovered today that Nat West take the direct debit payment 10 days before the official payment due date. When I discovered this, I complained by phone and was told that if I only paid the minimum, they would not take…
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Changes to way minimum payments are calculated...
Hi, Has anyone else experienced this? I've got an MBNA card and I've received notice today that as of April 1st the minimum monthly payment will be recalculated as 1% of balance plus interest. This means my minimum payment will go up by £125. I can't afford this, is there anything I can do?? Help and advice needed please!…
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Will applying for a another credit card adversely effect my credit rating?
I currently have a Halifax One credit card which I have had for years. I have recently paid it off completely and wish to apply for another credit card with 0% on purchases. Will applying for another credit card adversly effect my credit rating. I soon wish to apply for a mortgage so Im worried about effecting my score.…
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Balance limit why £1,200
Can u shift slightly more than £1,200 (£1,500) on to one credit card,I'm paying £100 a month so plan to pay most of it off this year,
