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Refunds? (Newbie alert, sorry!)
I have my first credit card, Halifax Clarity (I'm only 28, it's taken me this long lol), which I used to buy loads of stuff in the Adidas sale, taking full advantage of their excellent free returns policy. As suggested by Martin, the card is paid off in full each month via direct debit (on 20th of the month). I intend to…
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Default/ settled account
Hi, can anyone please tell me how i can remove a default on an already satisfied/settled account. I am thinking of writing a plea letter to the bank to help remove it as it is abt 3 years old now. Does anyone know what the plea letter to the bank should look like. thanks very much.
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equifax trial credit report
i've signed up a few days ago, what should i be looking for on the report before i cancel the trial? i can see a list of credit agreements which are either open or settled? i decided a while back to do away with credit cards and have nearly paid them back so should i start closing unused cards? is there anything else i…
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car finance company refusing credit card - question about 'money tranfers'
Hi, Sorry if this has been posted before but couldn't find anything through a search. I have a balloon payment of just under £3000 to pay to my car finance company to own my car. I applied for the Tesco 0% credit card thinking I would use that to pay the final lump sum and spread out my payments. However the car finance…
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Help virgin card
I am in a total panic!!!!! A couple of weeks ago Admiral sent my son his car insurance renewal details. He has since found another insurer and has taken up their policy. I have just realised that we haven't cancelled the Admiral insurance and they hold my Virgin card details. This card has been used up to the max with…
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Vanquis to Cap One BT
Hi all Has anyone managed a balance transfer from Vanquis to Cap one card in 2011 ? I am told it's not possible but surely theres a way :cool: Thanks in advance
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article on which banks are linked with who?
Hi, I remember reading an article a while ago on here explaining which banks were all linked and part of the same group, to help you decide what products to get. Does anyone recoginse this or know where I can read it again? I am wanting to get a credit card with a bank that is not part of the group my current card is with…
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Aqua Credit Card
This morning a letter came through my door from Aqua including an application for their credit card. I had a quick look to see if they were offering something that might be of use to me. That's when I read the interest rate for purchase - 35.95% :naughty: I nearly fell off my chair! That should be illegal!
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Balance transfer penalties
Hi I have had a Virgin credit card for about 9 months, I used to to switch my other cards on to as a 0% balance transfer for 11 months. I still have a couple of months at 0% but today I applied for the Barclay 20 months 0% Card and included a balance transfer from the Virgin card to this one. I thought has occurred to me I…
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Paying Argos with a credit card?
I've just tried to pay £200 off my argos card using a lower interest credit card. The only mastercard option was mastercard debit so I used that, put in the number and natwest security code and to my suprise - it all went through and was authorised! Should I expect something telling me that the transaction failed…
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Advice on payment plan?
Hi, not sure if this is the right place to post this or not, but i'm hoping someone can give me some advice. I purchased a new laptop in April, where I entered into a 24 month payment plan. I paid 10% up front, and agreed to make payments each month via direct debit. This was alll set up in store, and all paperwork etc…
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Tesco crdit card
:j:o We are overspending on our credit card! couldent pay in time so I used my debit card to clear half of it! question is if i pay in full after pay by date will i still get charged extra? Also is it worth putting all our groceries on i,as I already have a clubcard,what points do I gain from using it??? Thats the sole…
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death and credit cards
My mother passed away three weeks ago. My sister in law notified the two credit card companies (MBNA and M&S) enclosing death certificates. She gave her name address and telephone numbers to contact. However, this morning I have received a death certificate with a covering letter from M&S money. The only way this could…
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Lloydstsb Credit Card Services
I cannot believe I am writing this. LLOYDSTSB ARE FANTASTIC. Long story short- in response to my request to make 0% balance transfer, they mistakenly did it twice-in fact they were actually trying to a third time. It has taken a week but GARY has refunded the two balance transfer fees and given me £50 AND given me a longer…
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Barclaycard Decision Referred
Hi Guys I probably know the answer to this question but maybe you can help / confirm? I recently used Barclaycard's pre-application tool and it returned the result "Good news...etc." It said I had an 80-90% chance of success with all the cards except for Barclaycard Initial which was 90%+. I have access to my Equifax…
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0% Intro Rate and Foreign Transaction?
Want to purchase an item from The Vegan Collection in LA. Was going to use my current credit card that I use daily, but would make more sense to put it onto my Cap1 card when it arrives. Its 0% until October but does this apply for foreign transactions? Will the fee be covered in the first min payment or will I be charged…
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Barclaycard
I have been receiving this 'exclusive' invitation to get the Barclaycard just stating how much my income is. This sounds to me a joke as I have finished my contract a while ago and am on benefits now - paid on a Barclays account. I know I have an excellent credit rating from before. But how come they invite somebody on…
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MBNA Sonycard Credit Card Ending 31st August 2011 / Pulsebeats 30 June 2012
Hi, I did a search first and I didn't see this mentioned. I received a letter in the post today informing me that my MBNA Sonycard Credit Card and also Pulsebeats collecting is ending on 31 August 2011 whereupon it will change to a MBNA Platinum Rewards Credit Card - Pulsebeats need to be redeemed by 30 June 2012 at the…
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account for world wide travel
Guys, I need help on what account to open whilst I am travelling South America and then Oz. Nationwide appear to have stopped their free withdrawals. What account do you suggest? I will be making card purchases AND cash withdrawals, so if I have 2 cards, 1 for each that would not be a problem. any help much appreciated…
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Absolutely Fuming...financial association
OK need a bit of advice...applied for the M&S card for the 0% spend rate, have an excellent 999 score and over 40k of available credit according to credit expert. One of the web pages in the app. asks for partner details, so I give them but don't click the "do u want this person to be an additional card holder" didn't…
