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Virgin minimum repayment increase-when?
Does anyone know when the minimum payment hike on Virgin credit cards takes place? Expected it this month but my payment is as normal?
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Cap One - default received. What's next ?
Hi folks, Since before Christmas I have been unable to work due to illness. As I am self emlployed, no work = no money. Capital One called me in December and asked what was going on, I explained. They then rang numerous other times asking the same thing over and over again to the point where I just stopped taking their…
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Can't meet minimum repayments - help!
My husband and I split in August and I've moved into the stable conversion in the garden. We had accrued various debts together, in joint names and in sole names. I have a M & S card and 2 Barclaycards, which he was paying from the joint account but he has just cancelled the direct debits. I'm not working and am on income…
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total manyana
I paid 49 to total refund .com /cancel your loan 3 years ago this april and they told me i could claim 650 from a credit card company. I still haven't received the moneyThey rarely return phone calls , always say ;please do not hesitate to contact us when promising to call back and never do .What more can I say about them…
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Credit Card to use once!
Hello everyone! Please could you help/advise me. I hope i do not bore u with a long story, if u want to get my situation to the point please see "to the point below". OK, I have always stayed away from credit cards as i do not really want to be paying interest for things that i purchase with it. So i have always tried o…
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Barclaycard Clarity
Hi, I applied for the Barclaycard Clarity Card at the beginning of February and after the 'we can't give you a decision now' screen i left it waiting for a letter of some kind. I gave up waiting tonight and called them only to be told i had been declined, not a complete shock as i had a poor credit history up until 18-24…
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Section 75 Nightmare !
Hi, I rented a car for my sister in law's wedding last year in Athens through a broker online and paid by paypal. We arrived in Athens and picked up the car - the agent took my Egg card details as a "security". I returned the car at the end of the trip and we walked round the car which she agreed was fine and ripped the…
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Balance Transfer Juggling!
Hi All, I am new to balance transfer 'tarting' and need some help. So, I have a balance with m&s and I am going to transfer to barclaycard rewards card (i have been accepted) - however I also have a left over balance with a barclays student account (about 6 yrs old) which has a high rate of interest. I have been told I…
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need help how to get intrest free cash from credit card
right basicly im int he motor trade blooming cheap car came my way that i repaired cheaply and want to give it to the wife, sell her convertible stash the cash till winter and she can use this one however i cannot afford to just give her the car as my money pot has taken a hit lately so as her 5 year loan is up in 3 months…
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Vanquis - Newly formed (direct debits)
Hi guys, I got approved for the Vanquis card today. I did some reading here before applying, and intend to use this card to rebuild my credit score and before finally applying for a lower interest rate credit card in 12 - 18 months. My plan is to buy something every month with the card, then pay in full on receipt of the…
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Reapplying for a cc after closing account with same company
Hi Guys I paid off my credit card (Virgin) last month and now have a huge overdraft which Lloyds charge me a fortune for. Martin says the cheapest thing to do is get a credit card...with Virgin etc!!! How long do I have to wait to reapply with this company? Arrgghh Thanks!
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Mbna card. How long until first payment is due?
I've done a balance transfer on to an mbna card. The transfer was only just completed today. How long will it be until I get my first bill from them. At the moment on my online account it's says minimum payment due 0.00 and doesnt give a date for a payment yet Any help is Great as the last thing I want to do is my first…
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Balance Transfer a bank overdraft to a Credit card?
Hi all, We currently have a few bank overdrafts which we intend to clear over the next 12 months. I would be grateful if anyone could advise whether any existing 0% credit card balance transfer deals available allow you to transfer existing debt from a bank a/c as well as from existing credit cards? Any info regarding the…
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55 day interest free period t's & c's
I recently started spending on a balance transfer card, with the intention of paying the balance of my next statement in full (including the bt) to avoid any interest on the purchases. However I'm not sure whether I've screwed up, since I've now realised the 55 day interest free period is also affected by whether you also…
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Information
I recently had a long unsolicited call on my mobile about debt reduction. The company said I was owed thousands of pounds, and after some time, I was asked, then pushed for an upfront fee of £178.99, ( this was a reduction on the first figure they asked for) for the paperwork to be sent to me. The consutant said it was to…
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Orange 0% on pruchases
I got one recently and have just got my first statement. It says esitmated interest next month £2.93 (on a £131 balance). Surely it should say £0.00. Anyone had simialr with Orange?
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Repeat offers from MBNA?
I have 2 MBNA cards, one being AA. I want to close them after the 0% purchase promotion rate ends. I know they do repeat balance transfer offers but what about repeat 0% purchase rate offers?
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Tracing home address?
I have a query about credit cards and hope someone with more knowledge can help! I've recently used my credit card at a less than friendly establishment (a nightclub) and after checking my receipts have noticed I was getting over severely over charged. My question is whether or not if I complain could they use my credit…
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Does HMRC accept credit card?
Does anyone know that whether we can pay Voluntary Class 3 National Insurance by credit card? And will I be charged extra for doing that? Many thanks!
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pearls of wisdom
1st message so i'll try and get to the point i need advice regarding my situation i have lived in current property approx 1 year i show on electoral roll and for previous property,+ landline i have ZERO debt and ZERO credit and have just passed a credit score for bank account i'm now looking to APPLY for a credit card and…
