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pre-paid credit card...protection
pre-paid credit card do they have the same cover as normal credit card do, like shopping protection if something wrong? cancel payment etc
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AMEX product red card discontinued?
Hello, Recently was reminded of the AMEX product red card that donates 1% or so to help fights aids in africa. Its still being advertised on the product red website and still accessible on the Amex site but you are unable to apply for it. While I currently use an Amex platinum cashback card (which probably would allow me…
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Citi/Cabot account again ....
An old account has reared its head again. Citi assigned my account in Jan 2003 and Cabot soon chased this up as it was assigned to them. Payments were made until Jan 2007 when i requested the agreement under s.78 CCA and nothing came back. Cabot didn't chase much after that, though the odd letter still came. In 2007 I…
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could someone like a student success getting a main stream credit card
I found it's very easy to get a credit card while I opened my student account (actually the bank just want you to have it) They are exactly like a normal credit card. Not sure are they called 'student credit card' or not. I have pay my card in full all the time, I do regularly use the free bank overdraft and pay back in a…
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Cabot again ... after nearly 4 years.
Cabot have written to me again after nearly 4 years. They've offered a 30% discount on the account which is now £2,588 from £1,200 in 2007. I asked why the balance has increased and am told it's due to the 1% interest they apply every month and that's it much lower than the original interest rate from the credit card…
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Which card???
Hi, Real quick question but does anybody know which credit card (best balance transfer deal) is the easiest to obtain, I have a good rating and so does partner...............but with so many out there I dont want to apply for the wrong one and get declined then I have stuffed my chances for a good few months etc...... Or…
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can I use a 0% purchases deal to pay off a loan?
Basically I have recently been approved for a tesco 0% on purchases card. I was intending to use it for my weekly grocery shop etc to get the additional club card points and have as my emergency back up. The amount of credit they have offered means I would be able to pay off a loan in full ,therefore not paying interest on…
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Using 0% Card to fund car purchase
How does this sound for a plan? Any pitfalls? I am thinking about getting a Tesco (0% interest for 15 months) Credit Card to part fund a car purchase. I'm making an assumption that a car dealer will accept a part cash and part Credit Card payment although I appreciate I might have to negotiate as I guess the dealer will…
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Credit check addresses questions
Hi guys, I have just been offered a conditional job offer from a company which requires a full credit check before I am offered a contract. Although it did not state it on the original application form, I now have had a call from HR saying they would like all my student addresses in my time at uni. I am sure my credit…
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JD Williams
Not sure if this is the best forum, so apologies if not. I've opened an account with JD Williams yesterday evening, but there is no mention of any credit limit, or being refused one. Where do I find out if I have one, or have been refused? Thanks.
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What is the normal interest rate rules for most cards?
I am interested to know what the normal practice is by credit card companies to charge interest on credit cards. I am someone who always pays my cards off in full each month so have never really had an issue relating to this before. However with one of my cards which I use alot for work and personal use due to airmiles…
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Capital One minimum payment
Just looked at my online statement for this month and it shows a balance due of £0.89 and a minimum payment due of same amount. However, when I try to pay online by debit card it states that the payment must be at least £1 but not more than the balance due - I therefore cannot make the payment? I know it is a trivial…
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LLoyds interest rates
I had a letter from Lloyds this morning saying that they are going to link their interest rates to the Bank of England base rates, so interest rates may go up and down depending on that. Also, if there is a change in your personal interest rate, they will give an exact reason for any change, giving 60 days notice. Examples…
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Interest Charge Question on Debit then Credit
Hi, I recently made a purchase of two goods on an old credit card, whilst waiting for my new M&S card with 15 months of 0% on purchases, to arrive (which it now has). The total purchases came to £550 and this in on my statement for payment in July. I always pay off this old credit card in full to avoid interest charges.…
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Closing/cancelling credit cards
Good morning I have had a look at previous threads on the pros and cons of closing credit cards, but as most are several years old I thought I would ask for any thoughts. I currently have 4 credit cards 1) Limit £7500 balance £0 2) Limit £4400 balance £0 3) Limit £2000 balance £0 4) Limit £600 balance £550 (used for…
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Capital one purchase interest
I have just received my cap1 statement and included is purchase interest. I pay the full balance every month, should I be charged this? It's my second statement. Also on it is a mystery 50p but doesn't say what it's for. Thanks in advance.
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The Moral Dilemma? Banks not following Laws set in place for the consumer.
The Moral Dilemma of you borrowed it so pay it back is an arguement that we see here every day every thread and almost every post. The law states quite clearly how the banks MUST operate when it comes to Consumer Credit Agreements and how these must be expressed in written form. It is not my fault that a bank that employs…
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why can i never get 'approved' for anything?
i've been trying to build up my credit rating for awhile now and.. nothing is working.. i setup a new account with my bank for credit building, i have set up 1 direct debt for my mobile phone, yet it isn't building anything? It has been like this for the last 12 months.. I have also set up a direct debt to go right into my…
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Credit Card For Holiday
Hey all, was after some advice i currently have a couple of credit cards which i use, both are still within there interest free period........ my question is im getting married in august and really really dont want to use these cards over seas as i dont think i get the best rate, so my which would be the best to use for…
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Reviews on CMS? Thanks Ben Mauerberger
I am looking for a good source of information on different types of open source CMS. Can anyone help. Thanks Benjamin Mauerberger
