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best deal
I have £7600 on a credit card what is the best tranfer deal at the moment,i have not got a good credit report
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Amex debt advice
Hi, I've had a Amex blue credit card for a few years now. About 3 years ago they wrote to me telling me they were stopping my card and were putting me on 'fixed monthly payments' until the balance was paid off. The card was never overlimit and not in arrears, at least not for more than a day or two. The payments were set…
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Re-applying after recently closing...
Do all credit card companies make you wait 6 months before they will give you another card or will some give you another card quite soon? I cancelled my tesco card only about a month ago, cos my 0% was running out. But they have one of the longest 0% periods at the moment so i thought i might give it a try applying for…
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Credit card payment held
Hi folks just looking for a bit of help here I made a payment off my credit card last month on 3rd march (Thursday) online via debit card. The payment was due on 7th March. They said it will take between 2-3 days to clear, 3 days if paid after 5pm. The payment was made at 5.55pm Now Virgin state payment was not received…
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What is IPA OVE REFUNDS?
Hi all, Not really the right forum for this but couldn't fit it anywhere else (plus this sub-forum gets a lot of views!). Yesterday I had a credit to my bank account (Hfax) of £103.70. Unsure what that was I waited for the description to show today. Well it now says: Ipa ove refunds And that's it! Anyone know what this is?…
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Final demand from payment plan HSBC credit card
Hi everyone, Any reassurance would be much apreciated. A while ago I lost my job and struggled to rub two dimes together let alone pay a credit card with ridiculous interest. The Citizens advice told me to stop paying as my priorities were living expenses and so I asked for a payment plan to which HSBC eventually agreed. I…
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balance transfer
I just tried to get a balance transfer credit card using a link from this website, i have been declined the reason is as follows, "we feel that your current level of financial commitment (which includes loans, hp agreements credit cards etc) is sufficient for the income provided on the application form". does this mean…
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can i use a cc that's been cleared via bt??
hi if i do a bt to another interest free cc, will i still be able to use the clear cc for payments if need be?? t, x
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card for no-hoper ?
advice please for the following : adult son, 4 years working/living in germany, has no suitable credit profile for a uk credit/debit card - no electoral roll, no/ little regular/monthly income activity into existing accounts. his record is completely clean, has some savings in 2 uk banks, but lifestyle in germany a bit…
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Help! Barclaycard treatment is disgraceful
Hello, I'm a newbie here. Need some help and advice, I applied for a credit card on the 26th March with Barclaycard and was approved, with a balance transfer of £1932.78. Now my card came out on the 31st, (yesterday) I duly rang them to register it, the girl was really nice and went through all the stuff she needed too,…
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Capital One Classic Card
Hi all, Im on the journey of rebuilding very carefully my credit record, which is very Low (scores about 390) with a CCJ which has been on the record for 5 years, think it drops off in a year, and II did pay it off. I applied for this card, and just received a letter than I have been accepted. I hate the idea of credit,…
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Didn't agree to interest increase from Credit Card company
Hi Need some advice, back in January I receive a letter from my credit card saying my interest rate would go up. I called them and found out that it had gone up back in September 2010 as well and I never receive the letter. I have made a complaint about this and so far they have offered me the difference in the interest…
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proof of residency for foreign nationals
Hi - you say that foreign nationals should provide proof of residency to credit agencies. What proof could we use? thanks
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High Credit limit?
I applied for the Barclaycard 0% 20 month transfer card the other day, at their "pre-check" page I was given a 90% chance of being accepted, so duly applied and was instantly accepted. I put my self employed income at £10,000. Well, I hope I did. Because I got the card today and they've given me a limit of £6600, which…
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m&s card question
Hello can someone please tell me if you get a confirmation email at all after signing up for the M&S card (15 months 0%) I originally signed up with 1 email and assumed I typed it wrong due to not getting any sort of email from them so signed up again with another email address and it's the same situation. I'm not…
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Euiqfax Credit report question
Hi, I have just got my Equifax credit report and some of the information is all green with the word settled. Can someone tell me if the settled is good, bad or has a double meaning (like so much of this stuff) Thanks Chris
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Barclaycard Disaster
I applied for a Barclaycard at the beginning of February in order to take advantage of the 0% balance transfer and shift my existing card debt before that particular 0% offer finished in April. I thought I was being proactive in applying early so I didn't have a period where I was likely to incur interest charges. Oh how…
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Old Debts have come back to haunt me
Hello, Please bear with me this is my very first post I am not sure whether I put thread in the right place or not but I am sure you will point me in the right direction if this is the case, Any how here goes….. This all started back in about 2002 I was in a lot of debt consisting of credit cards & loans and I was coping…
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Santander.
Santander have accepted me for a current account switch. i have very poor credit but is slowly improving! Is it worth trying for a credit card or do they do a different check?
