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Payment in full and refunds
Hi all, quick question on CC process. Simply, at date of statement I owed £320. Since then I have spent £100 and received a £220 refund. My current balance is now £200. To pay in full do I still need to £320 to avoid a part payment? I assume the provider will accept a positive balance in these situations? Cheers
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Help! and a warning to others Healthbilling.com
I made a small purchase (9 euros) for some dental equipment on the internet by credit card. Payment went through and that was that. Or so I thought, my next credit card statement had 2 further withdrawals for $100 from a company called Healthbilling.Com! Having spoken to my credit card company, they say they’ve had ‘many’…
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Best card to use abroad
Which is best, Halifax Clarity or Saga? Dont understand the Halifax 'free atm withdrawals' but interest charged even if you pay off in full, against Saga's £2 min/2% charge for atm withdrawals? Help plz :embarasse
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Can you balance transfer too much to an Egg card?
Hi, I've been offered a 0% balance transfer on my existing MBNA card, but when I rang up it's only valid to other credit cards not to my current account. I wanted to use the offer to clear my massive overdraft. I have a credit card with Egg with a small balance on it, Egg also allow me to do a transfer straight into my…
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transferring cc balance to loan with halifax
i have had a halifax credit card for many years and its up for renewal. halifax have just sent me a letter to say they are not going to give me a new one and i should just continue paying the balance off. i am quite happy about not getting a replacement. it has a 10k balance on it and as i can only afford to pay £20 above…
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Santander ZERO Credit Card...
Hi, I was hoping someone may be able to help me... I am travelling to America this Friday (April 29th) I have cash ready to change up in to American Dollars however, I am thinking I may get more for my money by using my Santander ZERO credit card to withdraw Dollars when I am in America as I do not get charged for overseas…
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When to apply again for Santander Zero?
Hi guys, I've wanted a Santander Zero for some time, as I often travel abroad and my Nationwide setup is now largely useless. I currently use a Nationwide Visa card which I want to bin in favour of a Santander Zero. On the advice of my local branch I applied for a Zero last October and received a worthless £1000 credit…
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Barclaycard Registration / Olympic ticket issue
I ordered myself a Visa Barclaycard in order to apply for Olympic tickets. When I tried to use it today, an activation window popped up. I duly filled the details in (correctly) but it wouldn't register. So, I rang Barclaycard to be told they've got a technical issue registering new cards for online use and I should try…
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Visa Cards & Sales
Hiya - any visa card experts out there?? I bought flights a month ago with my visa card - I just noticed that there is a sale on the Ryanair website so when I checked how much the flights are now they have gobe down by over £150!! I seem to remember something about visa cards covering you if something goes in the sale and…
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Problem BT'ing from Egg to RBS
RBS Platinum card has a 0% offer just now, so we're trying to transfer a balance from Egg Money to the RBS card via the RBS online banking system. For some reason the Egg Money card isn't being recognised, we keep getting a 'please check your card number and try again' message. OH will phone them later on but for now, does…
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Halifax Credit Card Direct Debit problem
Hi, I had a direct debit set up to pay off my Halifax credit card in full, however this month (payment due today) it only took the minimum payment. This also coincides with the new online banking website, and you can't set up a direct debit online. I wondered if anyone else had had this, and I guess I'll need to phone to…
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Vanquis Card
Is it worth applying for a credit card with them? I know there APR is high but I am struggling to get credit even though my accounts with Littlewoods & Jacamo are all up to date and no problems with my credit report. Even if I just use it for small things just to help build it up, is it worth it? or shall I not bother. I…
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Maestro cards - why have DVLA stopped them?
I'm trying to book my practical test online but I only have a maestro card and they are now not accepting them on the DVLA site. I know that the SOLO cards are being decommissioned but I thought that Maestro cards were ok. Does anyone know why this is? Thanks
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Experian duplicate account issue
Hi, Momentarily panicked when I just logged into Equifax at the amount of money it thinks I owe, when on closer inspection, it seems they have listed all of my debts twice. I am hoping it is just a glitch. Anyone else experienced this recently? Thanks
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Charged for NOT wanting a raised limit!
I have had a letter from my cc company saying from 14th may, my credit limit will be raised by over £2000 and if I DO NOT want it raised I have to ring or txt their number. I just feel that why should I be charged for something I have not asked for, or enquired about. :mad: Is this common practise? or more like conman…
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Is this the end of Balance Transfers
I have just had a chat with a customer service rep at Halifax and he said that they no longer take applications over the phone for credit cards that provide balance transfers. He said that you would still be able to apply online but that will be stopped soon as well. Sorry if this has been mentioned elsewhere but i…
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Getting a new credit card.
Hi Folks, I am thinking of getting a new credit card - possibly a Tesco Clubcard, which is one I have had before. I am after as high a credit limit from there as possible, but would like some advice as to how to obtain that. Basically, I have had a Halifax All-in-One card for the past 11 months. The interest-free period on…
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'Granite' Credit Card Or Vanquis ?
MSE Official Insert: Got a poor credit rating? Read our special Bad Credit Rating guide ---- I'm not sure which one to apply for, Both are the same card in general, However having heard reviews about vanquis, And how they pretty much give credit to anyone I'm almost inclined on applying for them, Has anyone here got a…
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requesting of Copy of agreement
few questions here, bear with me: 1- is it true if a creditor cannot produce an exact copy of your signed credit card or loan agreement that it does not not necessarily make that debt unenforceable? I have read that if a copy of the terms and conditions is produced and not a signed copy by me then this may be sufficient…
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Why can't I get a credit card?
Hi, I'm 30, but have never had a credit card before. I wanted to get an AmEx for the air-miles, but have been rejected! Any ideas why? My salary is >30K, I pay all my bills by direct debit, I'm on the electoral roll, I don't have any debts, and I have a load of savings. Am I not risky enough to be worth it? Do they know…
