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Next credit card 'after' Vanquis
Just wondering like me I am using Vanquis credit card to create a 18 month credit repayment history, my limit has increased, but out of interest, which credit card would look at your history with vanquis and 'maybe' offer you one??? Also I have Capital one.
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query on credit card and cancellation fees
Hello, I am new to the forum and am hoping for some advice. I currently have a lloyds tsb student credit card with £500 on it at 19% and have been reading on here about balance transfers to new credit cards. I have seen one that I am going to apply for, however I thought I should check my terms and conditions first as I…
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Egg - resubmitting DD?
I missed a payment due to insufficient funds being in the account and have had a message to say that they are resubmitting the payment request. However I've had alot (to put it mildly) of calls off their collection dept. Do I make the payment manually or do I wait for them to try and collect it again ? (Can't afford to…
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What to do with Credit Cards?
Hi All We have just paid off 4 CCs totalling £24k, 2 x Barclaycard Platinum (£4k each), 1 x MBNA, was A&L and 1 x Santander, was MBNA(both had around £8k). We have around £8k left so wanted to apply for cards with good balance transfer deals. I had problems with 2 of the cards so have missed some payments over the past 6…
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Reapply for Barclaycard Platinum after closing one
Hi all Just paid off my Barclaycard Platinum, i rang to close the account today and when asked why i said as you were offering new customers lengthy balance transfers and the guy said that is fine it now closed, do you want me to put you through to apllications? I said why? So you can apply for a new card with the 18 month…
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New credit card - to register or not?
Hi all - a quick query which may sound a bit dumb - sorry! Went into Debenhams last week and bought some stuff in the sale. To get an extra 10% off, I signed up for their credit card. I don't use them as a rule and before anyone asks, I intend to pay it off immediately (well, when the bill comes anyway). I've had the card…
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o2 mobile rip-off
It looks like o2 are creaming off credit balances. If an account is closed and a balance is overpaid. o2 advise you by text that you need do nothing; they will take care of it and refund. Of course they don't do anything, just let the cash sit there and hope you will forget about. When you contact them they suggest it is…
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is this legal/ethical?
Folks: When paying for goods or services over the phone or internet by credit card, is it legal (or ethical) for the company to take the funds straight away if the goods aren’t ready to be shipped ?? (or the service doesn’t start straight way) Are they obliged to ask for your permission you if they do? thanks
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PPI - Claiming.
How many of you claimed PPI and how much did you get back? What company did you use?
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New Home, Applying for Credit card
I just moved into my new home last Friday, i want to apply for the Tesco Credit card, but is it too soon to do so? I have updated my details with my bank, and sent of the electoral roll update to the council, I'm worried if i apply they will reject the request due to my details i enter not being the same as the electoral…
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balance transfer
I have tesco credit card can I balance transfer to nat west
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0% deal revoked, missed payment, not my fault!
Argh. I set up a Direct Debit to pay £20.00 per month against my card (more than min payment) and it turns out the DD didn't go through this month! It didn't fail, it just merely didn't take effect! I got slapped with a charge so I phoned up. They said they'd revoke the charge and that the 0% deal would be unaffected. Just…
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Credit Card transfer - self-employed - what's my income?
Hi, I tried to get a 0% on bal trans credit card from Nationwide, but I'm self-employed, and when you tick the Self-Employed box, it still wants you to put income. I confess that my business is doing quite badly at the moment, and I'm trying to get rid of the CC debt, so that i'm back on an even keel. Problem is, this…
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How did I get a store card?
Hi, I am 20 year old student who two years ago was sucked into the world of the Homebase Store Card. After being approached by a lovely old lady who worked there she persuaded me that I was the perfect candidate to apply for one of their cards. I explained that I was student who was unemployed and that I was worried about…
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Credit Card Refunds
I bought an electrical item from on online retailer recently. I returned the item within their timescale, now the company are dragging their heels in refunding my credit card. It has now been well over 3 weeks, which is obviously totally unnacceptable. I have kept all emails and paperwork. What options are open to me?
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MBNA Amex and Visa
Hi all, I currently have the MBNA Amex cashback card, and I'd like to supplement this with their Visa cashback card too so I can use that in places where Amex isn't accepted. What is the likelihood of them giving me a second card? Was thinking of calling them and offering to split my current Amex limit (£3,500) over the…
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FREE £5 (on prepaid card).
I was on the internet with my PC from 11:50 - 12:15 yesterday, trying to get the FREE £5 (on prepaid card). I eventually ended up on what looked like an Orange website, but there was no sign of a free card. Did anyone else have the same problem?:mad:
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Pay bill or pay in full
Hi I have a question regarding the credit card bill - I have received my statement for this month and it's £400 I have to pay back by the 13th July, today I used further £100 so all together it's £500. Question is what would be the best option to pay the bill. Should I pay the bill or full upto date amount. Secondly how…
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Natural Treatment
I'm delighted to declare the fact that I'm the latest fellow member right here and i look forward to speaking with you all around here soon.
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Barclaycard Freedom
Has anyone actually earned anything great from the Barclaycard Freedom reward scheme. I was looking up some info on it and managed to do searches to see the retailers in my town and nearest city of Belfast. What can I say this appears to be the most lame reward scheme I have ever heard off. The list of retailers incliude,…
