-
MBNA - are they being truthful?
Called MBNA today to reduce the credit limit on my Virgin credit card (as I simply don't need the old limit level, and looking to apply for a mortgage so looking to reduce my available credit). They advised me that reducing my limit would have a negative effect on my credit score. Is this right, or just the sort of…
-
credit card help
hi am needing a bit of advise, i dont know much about credit card and how they work. but am tryin to help someone mange there debt. they have a credit card with £6000 with is maxed out, and payin intest on. i see tesco is got a credit card with 13 months 0% intested on new purcases. does this mean they could tranfer there…
-
Halifax Clarity application refused
Hi there. My Halifax Clarity application was refused and they wouldn't give me a reason. I looked up my credit rating on Experian and, I'm fortunate to be able to say this but it was excellent. Why would they have refused me - are they refusing people who they think won't incur interest charges? I do get quite a lot of…
-
Credit Rating Help?
I've just been speaking to my bank about a student credit card, to boost my rating. The woman talking to me seemed confident I'd get it, but when she put the application through, it declined. She seemed a bit shocked and told me to check with Equifax. I've just bought my credit file, and I can't really see how I can…
-
Undercharged at a restaurant
If a restaurant realises after you have left that they have undercharged you, legally can they charge you the difference on a credit card without authorisation a day later? :think:
-
Thinking of Changing Credit Card...
Hi there, I'm looking for advice on switching a credit card... I currently have a Standard Lloyds "Classic Credit" Mastercard, with and outstanding balance of £550 at an APR of 16.6% I applied for Halifax's Clarity to take advantages of additional benefits that my current card does not have, these include: • 2% Balance…
-
Balance Tranfer Dilema
Hi I currently have an Santander credit card which has £2000 on it. Now instead of paying the 19.9% interest, I decided to do a balance transfer and try and get 0% for x Amount of months. Now I have just tried Barclaycard and Nationwide, but have been turned down by both. I have not missed any payments on the credit card I…
-
Barclaycard Balance transfer limit!
Just opened the new Barclaycard 17month 0% card, made a Balance Transfer, and the website displays the amount still available to transfer (90% of limit?) It shows as: £2905.89300000000002910383045673370361328125 Nice programming :laugh: red
-
Tesco Credit Card 0% on purchase for 13months, HELP???
Hi everyone I have just been accepted for the new tesco credit card and I was just after some advice maybe it's me just being thick but I was wondering does it mean I can buy anything say every month for say 11 months and then as long as i pay it all off by the 13 month that will be ok??? Any advice would be great. Thanks
-
Legal Direct Recoveries
Hi All I have the Capital One alert service and just got my weekly update, and there was the following on there: New Credit Agreement Summary Company Name: LEGAL DIRECT RECOVERIES Account Type: Mail Order Agency Account No: XXXXXX7100 so I produced a report and I cannot even see the 'agreement' on there! I also noticed…
-
Unknown Credit Agreement On File!
Wasn't sure where to put this so put it here :o I have just received an email from equifax stating i have a "credit alert". I have a capital one credit card and as part of this i have a free account with equifax to check my file and they send me emails to let me know of any changes to my credit file. Up to now these…
-
CREDIT CARD PROTECTION for partial purchase!!!
Hello! Following the article about the card protection we have decided to pay just the deposit for our holiday on john lewis credit card. The deposit was £400. The remaining balance of £3099 we paid by bank transfer. In this way we have saved ourselves almost £90 for the credit card charges. Well, I have called John Lewis…
-
Applying for a cc - minimum time at address
Hi all I'm applying for a cedit card and was wondering what the minimum time at an address is. I've moved to a new address since aug 2010 and prior to that lived in another house for 12months. Previous address I was in for 1 year also. and before that 3 years. Sorry if this sounds confusing! Reasons for this are pretty…
-
Virgin / MBNA deceipt!
My recent Virgin CC offered me interest free spending in two areas. The first up to £250 spent before 31st March Interest free to July Statement. The second for spends over £250.01 interest free until October Statement. When asking for some explanation as to where my minimum payments were allocated to ensure I paid off the…
-
Best Company Credit Card
Whats the best company credit card to have these days? We were thinking american express because there are double airmile points! Does any other company have similar benefits?
-
can i do this?
i got my barclaycard plat today for its 18 months 0% bt rate. After i have bt from my 2 cards with outstanding balance i have lots of credit left. There is a large ish purchase i want to make approx £700 in about a months time, but the bt rate will have finished by then. Can i ask barclays to bt to my credit card, even if…
-
Paying a Direct debt on a credit card?
Is it possible to set up a direct debt not to pay the bill but for say paying my virginmedia bill or water bill?
-
Watch credit card companies. They aim to steal your money
Is it a policy of these companies to steal money from consumers by charging them unfair interest? I am absolutely appalled by the lengths I have had to go to in order to micro manage what should have been simple management of my account with your company! I transferred a balance of £2849.05 on the 1/10/10 to take advantage…
-
Does this help save interest?
I have credit card debts and would like to know if I pay for something on my card and immediately pay that amount off the card, does it give me the '50 odd' days interest free period on that particular transaction? Or does it charge interest on everything if you do not pay the full amount off every month? I have basic…
-
Paying off my credit cards
I have credit card debts totalling around £19,000 spread over 3 cards. These were accrued over a number of years, and when I separated from my wife 2 years ago, I retained the debts as part of our financial settlement. I have been paying the minimum monthly payments since then, as I was previously wary of paying larger…
