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Credit cards
Altho I have good credit was turned down for credit cards a few months ago-think because applied for 2 many in short period- how can i find out which ones I applied for and when so know how long to wait before reapplying?? Or is it best to apply with someone totally new and if so how long should I wait??
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Increasing interest rates on CCs
Interesting - in several ways !! http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/8453010/Why-we-could-all-end-up-paying-more-for-our-credit-cards.html
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Credit Refused – Electoral roll
I’ve just applied for a credit card to balance transfer £3,400 from MBNA (on a £7,800 credit limit) and have been rejected. I have done a credit check - all good apart from I’ve got several unused credit cards (now cancelled), so got my credit score which showed a score of “good” at 455. It seems that the reason for the…
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barclaycard application
I am in the process of applying for a barclaycard. I'm a little confused as it asks for my income details which total £13000 which is made up of wages from pt job and tax/child tax credits. It asks for my employers details, but how the form reads, it will look to them like all my income is from my job. I'm concerned that…
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Credit Card Refund on counterfeit products??
Hi Guys i bought 15 items of a merchant form china over a space of 6 months with My CAPITAL ONE Credit card and HSBC Visa Debt card. However 2 items got seized last week via customs. They wrote to me and informed me that these products were counterfeits, which I WAS NOT aware off, as the website sold them as Genuine. Even…
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Is there a minimum Direct Debit amount?
Just wondering. I have Direct Debits set up to clear all of my credit cards in full each month. Is there a minimum amount that can be collected by Direct Debit? Say the credit card statement balance is 1p - will the Direct Debit still go through and take 1p from my bank account?
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Debenhams Card - Price reduction how do you claim?
I recently purchased a jumper in Debenhams with my Debenhams Card which I pay the price protection policy on - if the item is reduced you will be refunded the difference. The jumper has now been reduced by approx £10. I remember making a claim a few years ago and you had to phone GE Capital (I think) and then they would…
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aqua online
cant log on to my online account it was ok 24 hours ago
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Credit Limit Reduction... Closed my account
Hi this is my first post. I've been with my credit card company for over 10 years. Always made my monthly minimum payment, never missed one to this day. My credit limit was £15,000. A silly limit, I appreciate, but still £15,000. At least until I tried to make a purchase today when my card was declined. I checked online to…
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Calculating Interest
On a balance of £450 and an interest rate of 34% apr I am estimating this month's interest to be around £12.70 My math is terrible however so have I done this right?
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Expired CC info replaced by lender - has led to money being taken w/out my knowledge
Hi all, I wonder if anyone can offer advice on my situation? I have never had a 'blip' on my credit file, I always managed my money to ensure that I have never missed a payment date. Unfortunately this has recently changed, and I'd like to fix my file, but wonder where I stand on this: In 2008 I took advantage of a coupon…
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Barclaycard Dormancy fee
Anybody know the lenght of dormancy before they slap a charge on your account? Also - would they charge you if you had a postive account balance? Cannot find it anywhere in their T&C's.
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Barclaycard stitch-up!?
A few weeks ago I successfully applied for a Barclaycard Platinum. The introductory offer was 0% on balance transfers for 12 months. I moved just over £1500 onto my new Barclaycard from 2 smaller (interest charging) cards. I had my new credit card no longer than a week when I received a letter advising me that Barclays…
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Credit card debt
Hi just wondered if a dca can add on nearly £500 off intrest to an old debt ?
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Direct Debit or minimum repayment???
Martin's golden rule is to set up a DD to repay credit cards off in full each month. But on his page for 'Credit Rating: How it works and how to improve it...', he says: "Credit card companies may reject you for always repaying cards in full. While you feel like a dream punter, for credit card companies you're a nightmare.…
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Question re:egg money wrong total
Hi Can any one help me out with this? I do my day to day shopping using an egg money card and every Tuesday and Friday do my banking to check nothing untoward gone on egg card or out of my bank account. This Tuesday my Egg card balance was £3 over what I tallied it up to be and I have checked umpteen times and have no…
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Declined new card
Hi I am trying to do a 0% balance transfer and 0% interest for as many months as I can. I requested a Barclaycard as my Experian Credit Rating is 'good'. I was declined and told to get an Equifax Credit Report, which I then did and they have my credit rating as 'poor'!! How can the reports be SO different? Basically it is…
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New to all this credit business, a question
Hi there, I'm 24, and new to the whole credit card thing. I had a question, I'm coming close to the end of the 0% transfer fee on my first credit card, when I've found another card to move the balance across to, do I get charged a fee by both banks? Or just the one to which the funds are going? I ask because I've been…
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How many credit cards *should* you have?
If there was an ideal amount of credit cards one person should hold, how many would it be? I currently have classic capital one, progress capital one and natwest. Once I've paid off the classic card I'm going to cancel it and stick with the other two. If I can ever manage to get into mainstream I'm going to cancel the…
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17, moving, no money HELP! :(
Hiya, i need some advice, im 17. My mum passed away in july. Meaning, i have no parents to support me, Also no family who are willing to give me anymore then a fiver. The rented accomodation we lived in together was put in trust for me. I have decided to move out, i have arranged a 3 way swap, once her belongings are sold…
