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Service charge on account
I was just curious to no if I can claim back for "Service Charges" on my account. I decide a few years ago after starting a full time job to have an account that I could save money in. I said I wanted an accont that I could have money put into but still wanted access to it incase of emergencies. I was advised by Lloyds TSB…
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Power2Contact
Has anybody had any grief from these cowboys. I have been cut down to a 3 day week and lucky really to still have a job. In the meantime,I was struggling to keep up the minumum payments up with my credit cards that had sadly had to suppliment my loss of earnings,as you do,and contacted the CCCS for help. I have been in…
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Barclaycard said yes and then no after card issued.
Has this ever happened to anyone because I am still in shock. I applied for a barclaycard online 2 days ago and was successful. It was the balance transfer card. I received my new card today. I rang the special number to activate my card and that was fine too. I then rang customers services to transfer the balance from…
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Credit Card payment date question.
Long time lurker and my first post, please be gentle. I just have a 'simple' question that I can not find the answer too and wondered if you lovely folks would help. Ok I have recently got a credit card and say my payment date is 28th February and I pay the balance in full 5 working days before which would be the 21st ,…
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Is it possible to get a rebate on Credit Card
I have paid the same credit card for the last 6 years and it is still at £6000, I have probably paid it of twice, can I request that I have actually paid it back to the credit card company, in the hope they will write the debt off? Also the card was taken out in 2004. Please give me advise!
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Ranking of most likely card approvals
Hi all I have 2 credit cards on 0% BT. These are with Santander and Barclaycard. I've previously been with MBNA. Can anyone advise me on who would be most likely to provide me with a credit card next? I have a balance of £6k on Barclaycard and £4k on Santander. I also have another loan with a balance of £9.5k. Currently…
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Can I transfer from a canceled card??
Hi folks I have just recieved my barclaycard platinum credit card. I got this with the intention of transfering my partners existing credit card balances onto it. She has 3 cards but all have been canceled and she doesent phsicaly have a card for the accounts anymore although she is still making payments against the…
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New Barclaycard Credit Limit
I wa accepted last night for a new barclaycard CC witn 0% interest for 12 months and 1.9% BT fee. I specified that BT I wanted to make. Does anyone have experience of how the Credit Limit offered matches your BT request on application form ? Was it the same as your BT request or less ?
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2nd card from sygma
Hi I have already got an Accessory Card from Sygma (creation) whichever name they go by now! I have also just been approved for the Everton card from them too...I got it to renew season tickets with the interest free offer for 9months. I have a £2000 limit on the accessory card and been told that it is the same on the new…
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Advice Needed - Cancel or not to Cancel
Hi, I have been watching MSE now for a couple of years now but never posted. Through following the advice posted on here I have managed to pay off £25,000 over last 2 years (still a long way to go but getting there) and all outstanding amounts are on low or no interest which leads me to my question. I have finally paid off…
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Halifax Clarity transaction declined - Halifax asked me to call 08451204056, why?
Hi there, I have my Halifax Clarity card for about 1.5 months. Today I was making a payment for about £5, nothing unusual. But card was declined. Attempted twice. I called the number on the back of the card, was told to call 08451204056 during 9am-5pm... Is there any reason for that? The person on the phone seems to not…
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Applying for more than 1 credit card, to see which one I will get
After doing a pre-checker on the banks website, it has indicated that I have a good chance of being accepted for two types of cards. One has a decent interest rate, and the other one is very high. Please note that these pre-checker application might be misleading, as it's not a full application. When a full application is…
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How to get money back from second card user. Help
I was wondering if anyone could help me please? When I was 18 was stupid enough to allow my then boyfriend to have a second card to my credit card. He spent £10,000 on it without me knowing!:mad: As you can imagine the relationship ended. Over the following years he did make monthly payments but over the past year he has…
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Natwest Credit Card - Do I complain?
Hi all, Hoping for some advice with this. . . I cancelled my credit card with Natwest in October 2010. It only had a £500 limit on it, and I was only using it for very small purchases. I called Natwest, explained I wanted to cancel the card, paid the outstanding balance (around £11), cut the card up and that was that. They…
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Do you get offered another product if you don't meet the criteria?
Does anyone know if you get offered another product if you don't meet the criteria for the product you initially went for? For instance, I have applied for a Halifax credit card and wondered if I'd get offered another card if I didn't quite meet the criteria for the card I applied for. Would they automatically do this does…
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Balance on GM card how do I get it back
We live in France and use our credit cards when we travel. Over Christmas, after tidying up (!), I could not find the bill, so sent a round figure to them. Now I have 80 pounds in credit and the cards are cancelled. How can I get this money back? I thought to transfer it to another card, but bearing in mind I am not a UK…
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CCP Cardguard
I have a rolling contract with CCP for their Cardguard insurance. Never used it ( luckily, of course!), however price is regularly hiked each year - from £20 in 2007 to latest renewal advice of £31 p.a. Question: is this insurance really worthwhile. i.e. has anyone any experience of actually having to use is, and where CCP…
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Credit Card Surcharge
Is it allowable for a company to charge a 4% surcharge for use of a credit card? There is no mention of this extra charge anywhere on their website that advertises their prices.
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Lloyds TSB communication inabilities
Hi folks Jist of story - lot of debt, numerous cards and loans, saw the light, and local OFT established income/expenditure, and contacted creditors with payment schedule. Been in place a couple of years, and if i have a decent monthly salary (overtime etc), I've paid off the smaller debts, and added extra to the larger…
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Hike in Minimum Payments
Hi i'm new here and just wanted to ask could anyone tell me whether a credit card company could hike up your minimum payments? Thanks
