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Mbna
I have an MBNA Credit Card which I only have bout 600 pounds on I am just paying the minimum each month at the moment. I telephoned them to order a new card as I wanted to book a hotel room using it & they said they would not send me one as they are closing it down once balance is cleared. Can they do this?? I had no…
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Do I have too much credit?
Hello Newbie here, I have been following this forum for the last 6 months or so…lots of good advice so keep up the good work! Hopefully you guys could off me some advice, I have £19,250 available on credit cards my gross salary is only £26,000; I have never missed a payment and pay in full every month. - Halifax Clarity…
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Internet company not replying to communication
Hi all, I put up a post abt this prob already but can't seem to find it nw, basically I ordered some items from "Pauls Boutique" they ended charging me twice for same order they contacted me to confirm whether i wanted both orders and i stated that i only wanted one. The website kept freezing this is why two orders went…
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When Does Money Come OUT of a/c using debit card
I know this is a credit card forum so hope this is not in to0 wrong a place!!! But can anyone explin to me how debit cards work in relatin to when payments come out of the account. I paid a payment over the phone on my debit card yesterday and the amount paid appeared pending when i phond my bank and is still pending…
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Britain-Ireland cheaper & nicer than Ryanair!
Just a heads-up if you want to save money to or from Ireland, especially travelling at short notice. Or just reduce your airport stress levels... thetrainline.com now sells 'SailRail' train & ferry tickets online from ANY rail station in Britain to ANY rail station in Ireland, via Holyhead. One ticket includes the train to…
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What do Halifax ask re: credit limit increase?
We've never actually asked for a credit limit increase before, we've always just been sent letters telling us whatever company in question is increasing our limit and if we dont want it, to get in touch. Just had a 12 month 0% offer from Halifax but that's our lowest limit. You cant apply online for an increase, you have…
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Credit card repayment issues
Hi, I have recently been experiencing financial difficulties. I contacted CCCS and was advised to offer £1 a month to my credit card lenders. So i sent the credit card companies CCCS's standard letter to offer this amount. I received letters back from 2 of them to say this was fine etc and i am in contact with the other,…
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Will application ruin credit record?
CANCELLED MESSAGE - sorry.
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Could this level of credit damage in profile?
Hello I have just got my second credit card (Halifax Clarity) and to my surprise I was gaivne 4,500 credit limit. I have also Natwest Your Poitns World Mastercard with a 1,400 limit and I am wondering whether this, together with the available overdrafts in my current accounts would be more detrimental than helpful if in a…
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Halifax Clarity Card
Hi, I've tried searching but not found a specific answer to my question. I've got a Halifax Clarity Card and am thinking of applying for a Reward Current Account. Does anyone know if having both will then retrospectively enable the £5 reward per £300 spend on the Clarity Card? I ask because the T&Cs for the credit card do…
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Query
Hi, I was contact by a company at the start of the week claiming they could get my credit card balance wiped out on a no win no fee basis due to a failure by the credit card companies to get customers to sign a new consumer credit agreement following parliamentary changes to the law. Has anyone else heard of this? can it…
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Arrow Global/Wescot
I had a Credit card with MBNA and it was settled in June 2009 in full and final settlement where MBNA paid me a substantial amount to settle the case in full and final settlement as they owed me money and confirmed this in writing on MBNA headed paper and sent me a cheque for the amount they owed me. Arrow Global then for…
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tesco credit cards - stop sending the statement the month the 0% ends
took out a 0% tesco credit card last year and set up the DD to repay the minimum. Got a statement every month posted to me. Now, my fault, the 0% ended in Jan, but i had in my mind it was May. I then noticed when i was doing some reconciling of my bank statements in march that the minimum payment on the card had fallen, it…
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Your views sought on highest credit limit card
Hi All I am looking to take advantage of one of the 0% purchase deals out there at the moment. Specifically, one that lasts in excess of 12 months such as M&S, Barclaycard Platinum or MBNA Platinum. I would like as high a credit limit as possible to give me some additional liquidity for the next year. So, can anyone let me…
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Rate for Life?
Can someone help please I have a barclaycard with a great limit and I want to transfer a 4,500 balance to it the only offer they are giving me at the moment is 6.9% for the life of the balance? How can I work out what my monthly payments would be. Have got a good credit file but cant seem to find a card that will offer me…
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Why is my available credit not the same as my credit limit?
I hope this isn't too silly a question; I am using a cashback card which I repay in full each month, the credit limit is £1500. I am finding that, even though the previous months balance is repaid in full, it remains removed from my available credit for the entire next month; for example: Last month I spent £950 which was…
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Paying Off Credit Card Debts
We have remortgaged to consolidate our debts which were mainly credit cards. We may be unable to pay off them all in full. Is it possible to negotiate a reduced payment by paying off in a lump sum. If so how do you go about doing that.
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Getting a cash advance from a Barclaycard. Bad idea?
Hello all, I was registered on here since 2005 but have forgotten my login details, so not a complete newbie! Basically, I'm wanting to get a £1500 cash advance from my Barclaycard and was wondering how the interest would work. I have a current total balance of £1800 and £4650 available credit. I very rarely use this…
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Looking Forward To Getting Involved
Thanks...this looks really interesting. I am looking forward to having my says!
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NatWest Credit Card - branch appeal
Hi guys I was wondering if anyone had experience with similar issue I have with NatWest; I bank with Natwest for a while now and I recently applied for their credit card. I hold a Step account which is kept in good order, no overdraft, no bounced cheques, salary paid in directly into that account... I applied for their…
