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Help - Credit Card Problems
At the moment I'm in a right mess and would appreciate any help that I can get :( I currenty have £27,500 unsecured debt. I havent really defaulted on my payments just the odd couple and can just about afford the minimum payments but the trouble is i'm just not clearing the debt. for example my hsbc card has 8,600 owing on…
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vanquis, is this right?
I called up to cancel the ppi on my card as i dont want it, was asked a million questions about why didnt i want it blah blah and the advisor then said that 'once you cancel the ppi it will be harder for vanquis to protect you and will be more difficult to improve your credit rating. ' Surely thats a lot of rubbish about…
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Which credit card
Hi please help. Looking to move credit cards to get "o" interest for as long as possible, getting a bit confused on which one i can use. I have a card with tesco and virgin and it is these two i want to transfer over to a new card, not sure which one i can apply for. Help many thanks.
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Paying balance off in full each month
I've just switched my credit card to automatically pay off my balance in full each month. However, I have a question - what would be the likely cut off date for the balance which is to be paid off? I'm not sure I'm phrasing that very well, but by way of example - if my account is debited on the 1st of each month, what…
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Reverse Payment on Credit Card
Basically I bought something from http://www.stayclip.co.uk and have not recieved anything after 2 weeks. I've tried emailing twice (which has a 'Guaranteed 24hr response'), no reply. I've also tried calling the phone number which seems to not exist - so I'm guessing I've been scammed or the company has gone out of…
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Credit card insurance
I’ve just read some terms and conditions of a credit card I’ve got and it says that I’m insured for all purchases on the card against theft or damage for 90 days and if a shop won’t accept an eligible return within 90 days. This does not cover the theft of electrical items. Is this insurance standard for most credit cards?…
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No existing customer B/T's with new rules on payment allocation?
Morning all, Have been lurking for the last week, which has been truly insightful, so thanks very much! Wanted some opinions on existing customer B/T offers, now that the rules have changed on how payments are allocated to your account. I have a Barclaycard with a limit of £7100, which has about 1/2 of that in use. Before…
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Credit Card to pay for holiday
Hello I could do with some advice / recommendations please. I'm looking at getting a credit card to use for paying for a holiday for me and my boyfriend this summer as we can't afford to book everything in one go. Problem is I've never had a credit card so I haven't a clue what I am looking for. Can anybody recommend…
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£260 min payments, £5 off the total, please help
Hi there, I am trying to help my parents get out of the terrible debt trap they are in. I have had to go into a Trust Deed myself so am trying to use my experience to help them and thankfully they are not as far down the line as me BUT they are in a mess. They have many cards and loans between them, and can only meet the…
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Hilton honors and barclaycard?
I have hilton honors which is underwritten by barclays, does this mean I can't apply for a card with barclays.
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Removing a Default -
I have a default on my credit file (capital1), which is partially settled. I am challenging that the default notices was actually served correctly because I split up with my ex-partner and she was resturning my post to sender - This probably included the default notice. I am now trying to get captal1 to send me a copy of…
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Halifax keep offering me credit cards!!!!
When you log onto Halifax online banking you often get an advert for a loan which I usually ignore and carry on banking. The other week they offered a Clarity card - Guaranteed acceptance! I applied as I am going abroad and its a good crad for foriegn use. I was immediatly accepted. 2 days later I logged and and got…
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Lloyds upping the interest rate
I have a student credit card with Lloyds TSB. The interest (on purchases) is currently 19.9%. They've just informed me by letter that as of the end of June, it's going up to 24.9%. The limit is £1000, and right now it's up at about £650. Mom owes me £90 of that (emergency vets bill). I have a cheque clearing for over £200…
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credit card entry as seen on here
Hi folks I have got an unknown amount on my credit card the claim was made by PM-FLI-GBP FELTHAM GBR 39.99. My credit card company said it is a gift card or gift and gave me the phone number 01332 667530 to check out what it is and who has taken the money.:(
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Can I still transfer the Balance on a closed card?
The story is, Halifax upped my interest rate, so rather than pay the increased rate, after trying to get it reversed, I told them to freeze it at the existing rate and I would pay it off over time. How I do this isn't clear, because I logged into my Halifax banking to check my balance, and don't have any credit card…
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Paying off credit
We want to pay off our credit card, can we send a letter (and if so what needs to go in the letter do you have a draft letter?) and ask the credit card company to give us a final settlement, a reduction in the full balance and pay it off withing a set period of time? Without affecting our credit rating? Thanks
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Paying for flights
I need to pay for a flight but I don't really want to use my credit card. Is it very risky to use my debit card? I was always under the impression that anything over 100 you should use a credit card as you have protection...
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Which CC has best protection against fraud?
Last month I had a fraudulent amount on my statement for just over £100. Although I reported it immediately to my provider and I pay off my complete balance every single month, I was told that I would have to pay the amount until they had investigated it. Here we are, 6 weeks later and I'm still waiting for it to be…
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Payment Being Taken Without Card Holder Auth
Hi All, I am currently in a complete frazzle and am looking for correct legal information to put in a complaints letter to a multimedia supplier. Long story short time. My debit card was used to make bill payments to a company who then stored the card details without my authorisation. I must add that the bills are not in…
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Will it be hard for us to swap?
My wife has a credit card with an APR of just under 30% - she got it before she met me, years ago when she was at uni. We've been paying it off at about £30 a month for ages and I really want to get rid of it. I was reading around on here about transfering to 0% interest cards but our credit rating as a couple is…
