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Have I done something terribly illegal??
I have had £2,700 on a Nationwide credit card for a few months now, paying 15.9% APR. Naturally I decided to shift this debt onto an interest free card. I applied for the Barclaycard offer of 0% for 20 months online, covering the entire balance and it appeared to go through ok, but it wasn't very clear whether I would have…
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Defaults
Hi, I recently finished a debt management program (6 Months ago) and am now debt free, but have just gone on an notice I have 4 defaults attached to my history, 3 from one bank and 1 from another. they are satisfied or settled. Is there anyway i can get them removed, letters or anything that can change them? my credit…
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Who else to apply for? Barclaycard Gold
Now I have a Barclaycard Gold with a £2000 credit limit, are there any other credit card offers around that I should have a high chance of success for? My annual income is just touching £22k before deductions and I'm living with parents so no huge outgoings. Really just looking for a couple more options to test the water,…
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Credit Card, Student Loan & Bad Credit
I need some advice really Martin. I have a history of bad credit, how do i improve it? Also i have a student loan with RBS of £2000 and Vanquis credit card with £2500 limit and really high rate of interest, am really struggling to pay these debts of, what is my best option? Also what is best way of saving?
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Compensation resulting from bank increasing credit limit without permission?
I have received a couple of calls from a firm that claim that if my bank increased the limit on my credit card without my permission and signature, I can receive compensation. I am pretty sure that this has happened to me in the past but it was years ago. As I always pay off my balance each month, I very much doubt that I…
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unauthorised use
There has been unauthorised use of my credit card details on my PS3(cars details were already logged in by me on account registering). Downloads to the value of £80 were purchased-the culprit was my 9year old son:mad: PS3 say such transactions although unauthorised cannot be reimbursed or cancelled - likewise from…
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Natwest credit card online services?
I was wondering if anyone who is registered for Natwest credit card online services has any idea how long a request to amend a direct debit takes (in general)? I applied to change my direct debit from minimum payment to full payment instead (:money:), but the request has remained 'pending' for a little while now, so I was…
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Refunded Twice!
Barclaycard recently took a payment of £488 from my bank account via direct debit without my authorisation (I had cancelled the direct debit via my bank two months before and was making manual payments online). I rang my bank (HSBC) immediately to complain and they agreed to investigate with a view to refunding me the…
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Santander Card Communication Problem
Hi all, I'm at my wits end with Santander credit cards. My situation is this; A few months ago I took signed up for an Outfit credit card with Santander as I thought it was a good deal as you get a good discount on clothes when you buy in store also you don't have to pay straight away. A week later I got my Outfit credit…
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Natwest World Master Card
Hi anyone have this card? If i already hold a natwest card can i still aply for it? whats the criteria? and is it worth it? Thanks in advance
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fastest prepay card to top up
i've got an eclipse prepay card which i usually use for booking flights, but takes 2 working days to credit. i saw a flight saturday evening, topped up what was needed and lo and behold the just flights gone up £24 and i've still got to wait until wednesday to use it, been as well off just paying the 3% at our local shop…
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Lloyds Credit Card Wrong Interest / Error
I have a Lloyds platinum credit card with the balance reducing month on month. However from Jan to Feb 2011 the interest was up higher while the balance was lower. I received no notice of a rate change and anyway the rate was fixed for 6 months from December 2010 as I did a balance transfer onto the card at that time. I…
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best credit card in my situation
I am trying to figure what cc would be easier for me to get right now in my situation: i owe just over £4k on my HSBC card (my only bank and only cc), i am self-employed, i'm on the electoral roll and i've been renting the same flat in England for over 2 years. I pay at least the min every month on my cc and i've never…
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Santander Zero Cash Withdrawl Interest
Hello! I have a Santander Zero card. It's my first credit card and I got it for protection on internet spending and for spending abroad. Just reading martin's CC guide and came across this... Santander Zero has no usage fees worldwide. You'll pay 27.9% cash withdrawal interest even if you fully repay. I don't really…
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CC no longer used - close account or retain it?
I've recently switched from a LloydsTSB Mastercard/AmEx credit card to a Sainsburys Mastercard. As I always pay off the balance the interest rate doesn't bother me, so I'm only interested in the rewards - the LloydsTSB was airmiles, which took ages to build up and are not useful to me, so I've moved to a Nectar card with…
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Credit Rating - Moved house
Looking for a bit of advice here - I've recently moved out of my parents' home into a rental property. This is my first "non-student" rental, and I decided to change my address on my bank account, credit card, mobile phone contract etc. However, I've been giving my credit rating a bit of thought recently and have realised…
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2 active credit cards - both offering 0% on balance transfers
Not sure what to do, or if possible! I have TWO active credit cards which I have had for years - MBNA (balance approx £1000) and Santander (balance approx £650) .... been used in the past and accordingly paid off but these amounts are what is owed now. Now both these companies are offering me 0% on balance transfers with…
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£4700 debt- Shall i transfer to a cc 0% balance
So i have a debt of £4700 that I have been paying over the last few years at £100 a month. Problem is I have just recieved my statement and it has come in at £4700 which I am shocked at since the original bill was only £5000. I have paid over £3300 towards this debt and because of the interest charges etc etc the bill…
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CreditExpert
Anyone else having trouble logging in ? seems to timeout or takes me to a not found page.
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MBNA Lowered Credit limit Without warning !!!
I know they can do what they want, but Yesterday I had a Credit limit of £11,600 as I've been with them for years and always paid on time. I have £1,488 left to pay on the my card and today they have lowered my Credit Limit to £1,800 with no notice or no warning. I know they can do this at anytime but you would of thought…
