-
Gambling sites and CC's
if a deposit is made into an online gambling website such as ladbrokes, will a cashback credit card still pay out the cash back element? or do purchases have to be tangible goods? Basically a form of milking the CC company is what im getting at Deposit the whole amount into a online gambling account. then withdraw all the…
-
VANQUIS - Scam or poor service?
I am in the process of moving house at present. As part of this, I called Vanquis earlier to change the billing address of my card. They told me it was not possible to change billing address until mid May due to a change in their system. When I questioned who would take responsibility for any fraud committed as a result of…
-
CC Application rejected?
Recently iv had a few CC applications rejected and dont understand why? Iv had a few in the past and always paid them off, am earning £44k and no debts etc?? Tesco and Halifax both rejected me!
-
New address, new credit card. Which way to do it?
Hi guys, This is my first post here but I was recommended this forum as a knowledgeable source for my query. :) I'm in a transitional period of my life, essentially moving into my own proper place (excluding student residence) for the first time. It's taking me a while so I'm honestly not sure where I actually "live" right…
-
opening credit card limits - transfers
How can I transfer a credit card debit to a better deal when I can't get a credit card company to give me a card with enough of a limit to transfer the whole amount? I need to transfer about £3000, does anyone have good ideas?
-
The Bad to Good Credit Ladder, next steps
So you start with Vanquis, maybe get Aqua also. The next step is CapitalOne then Barclay card initial? Do you keep the old cards as you move up or get rid of them asap? Should you keep the highest limits or the lowest rates?
-
Accepted for Virgin Money MBNA
Been reading this forum for almost 2 years and and enjoyed it thoroughly. Here is my situation. Below are the cards I have Currently have 4 Credit cards 1. Barlcaycard 27.5% APR Credit Limit 750 balance 500 owned since 1999 2. Capital One Classic 34.9% APR Credit Limit 500 balance zero(recently increased) Owned for 18…
-
Can I transfer debts on my Credit cards to my boyfriends HSBC credit card??
Hi there After a few years of not having great credit my boyfriend was finally accepted a good amount of Credit with HSBC. Prior to this I put his debt onto my credit cards and he owes me over a grand now. So can I put this debt onto his new card does anyone know. Do they allow it as it will be a name different to his if…
-
Post Office CC: how difficult to get
I am thinking of applying for the Post Office card solely to use abroad. I was wondering how difficult it is to get the card? I've had the American Express cashback card with a limit of £3000 for 18 months now. I am not able to get the Halifax card as I've lived in the UK for less than 3 years and they are apparently…
-
Credit card advice please
Hi there Following on from yesterdays thread, basicaly i need £5k and have 2 credit cards woth £2100 cap one and £2500 barclays limit on them. both cards will be clear before i do anything. I can not lend or get a personal loan so was considering taking out the cash on the cards but understand this will cost me alot in…
-
Is it possible to take out a credit card to pay off a car loan?
My daughter last August bought a second hand car through a main dealer. She took out their fianance with Santander at 16.5%. She now would like to reduce her out goings and I wondered if it was possible to take out a 0% interest credit card and transfer the balance? Or is it only credit card balances to a new credit card.
-
Can I take out a credit card to pay off a car loan
My daughter last August bought a second hand car through a main dealer. She took out their fianance with Santander at 16.5%. She now would like to reduce her out goings and I wondered if it was possible to take out a 0% interest credit card and transfer the balance? Or is it only credit card balances to a new credit card.
-
Vanquis min payment
Hi, I have just been charged £12 for a returned min payment from vanquis bank, plus £15 from co-op bank for insufficent funds in my account when d/d was requested from VB. The min payment had to be cleared funds in their account by 04/04 (monday), so as I had only just opened the a/c, and was worried that the payment (d/d…
-
Freezing account
I have somehow agreed to a CCP on my vanquis card (which I'm not too fussed about) but I'm wondering if I can freeze my account (and not pay interest or a lowered amount of interest or whatever the CCP does) and then once its to a lower amount, or cleared can I regain use of the card and account?
-
Whats the best 0% on Purchases
Can anyone recommend or any ideas on the best current deals for 0% on Purchases Credit Card? Cheers
-
Barclaycard platinum
I have a Barclaycard with about £1000 credit on it. When I called Barclays to make a balance transfer they said that I did not have any balance transfer offers on my account. Is this usual? I thought that you could just balance transfer regardless - even a 16.9% APR would help (I am trying to transfer money from a high APR…
-
Credit Expert Reports
I signed up for the free trial about 7/8 months ago. I found it quite useful and corrected a few mistakes on there. I have taken a credit card since, and a few other DDs etc and just wanted to check up on it. I just tried to get the report again but it's asking me to login as I am a previous user. I didn't really want to…
-
Balance Transfer Advice
Hi guys, I currently have two credit cards: Credit card 1 is with HSBC. I have had the card for almost 10 year and built up a substantial balance on the card. Last year I transferred the balance to the Virgin MBNA card. I still use this card for expenses and now religously clear any balance on a monthly basis. The credit…
-
Credit Card Interest - How does it work?
Hello All, I am trying to build up my credit rating and have just recieved a credit card through from Vanquis with £250 limit. I dont really understand how credit cards work. Please can someone explain the interest to me. If i buy something today, how long do i have to pay it off before i am charged intrest or just by…
-
Capital One credit limit rises
Hi there Just wondered how long it takes to get a rise from Capital One? I know this has been asked before but I think it was part of another thread? I also know there appears to be no rhyme or reason to it but is it worth asking them? I know their website says not to but I'm sure some wise MSE person has a workaround...…
