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Out of credit
Hi I am new to this site pls be nice At present I have 2 credit cards totalling 5k which the intersest has just moved from its 0% deal to 18%. I usually transfer to 0% deals when mine run out. Last week I got my credit report which said excellent. I applied to rbs credit card was refused due to not having enough credit. I…
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Mbna
Hi MBNA won't reissue my new card - Letter states "The above account had been declined due to your current financial standing and/or the conduct of your MBNA CC account" Checked my credit report \ score and it's fine, score was above average. Any idea why they did this? Though I suspect it's to do with the fact they…
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debit/credit card authorisation code
Hi, quick one. do companies, by law, have to provide you with the card authorisation number after you have made a payment to them? Thanks
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Topup Prepaid Mastercard from Credit Cards
Hi, Not sure if this is even possible, but hope someone might be able to advise. A couple of friends and myself are looking to book a holiday. The idea being we find something, split the cost 3 ways and pay individually on credit cards - ie £1800 total, £600 each on individual credit cards. No company seem to allow this…
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Very Basic Question on credit cards..
Sorry for the very basic nature of the question, however, I've always done by best to avoid credit cards. I'm in the process of moving house and need a few purchases in the coming months. The best option for me is an interest free purchases card. I'm looking at the 15month M&S one. My question is when does the 15 month…
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How do you tackle high interest on credit cards??
Some advice please!! I have a Virgin (MBNA) credit card which I orginally set up to transfer a balance from another card for an interest free period of 12 months. This was in 2009. I now have a balance of £14k, Virgin have steadily put the rate up from 16.5% to 24% APR. I received a notification from Virgin that they were…
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Hamptons Legal
Hi everybody, I was just wondering if anyone had any advice. In 2007 i got a capital one card ith about £150 limit. anyway in feb 2008 i call them up to pay it all off with a work bonus. I thought i owed about £120, but the lady on the phone said it was only £70. I asked if i could now cut the card up, and she said yes.…
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Highest 0% limit
Hi all, I'm hoping to get a 0% card with a limit of 5K or so to stooze against my wife's student loan (which is abroad). Does anyone know which of the 0% cards listed on the MSE page tend to give the highest limits? I know that Tesco is often stingy, how is M&S? I've never missed a payment on a loan or CC, am on the…
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PPI Insurance - HELP!!!!
Hi I am currently trying to claim back some ppi insurance that was completely missold to me many years ago (about 10). The policy has now been canceled. Until the point of cancelation the ppi was paid along with my credit card bill on a monthly basis as requested by my provider. I have contacted my credit card provider and…
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Capital One's Identity Alert in partnership with Equifax
Hi, Does anyone know of other credit card providers offering similar id protection service such as the one from Capital One for free.
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Natwest bank account not showing up on my credit reference report?!
Hi all, I recently did a credit rating check with Experian, as advised by this website :) They gave me a score of 860 points - which is classed as 'fair'. This is confusing to me, as i never pay anything late. I have a full cash ISA and another savings account and no overdraft. Have basically spent the past 4 years paying…
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Confused about which card is best for me
Hi All, I'd like to get a credit card as I've got a few big payments coming up (car insurance, flights etc). I've never had one and they're all so confusing (even with MSE guide!) I'm 21, never had an overdraft, never missed a payment, never had a cc. I work full time with a pre-tax income of £20,900. I live with my…
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Ltsb platinum card help needed!
@font-face { font-family: "Times New Roman"; }p.MsoNormal, li.MsoNormal, div.MsoNormal { margin: 0cm 0cm 0.0001pt; font-size: 12pt; font-family: "Times New Roman"; }table.MsoNormalTable { font-size: 10pt; font-family: "Times New Roman"; }div.Section1 { page: Section1; } Hi I have a platinum credi card with LTSB.And also a…
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Balance transfer help!?!
Hi I'm a complete newbie to credit cards, and could do with some help! I've basically been unemployed for just under 2 months, and I'm waiting to start a new job (hopefully in the next few weeks). I have got into my overdraft, and have also borrowed some money from a friend. I really need to pay off my over draft (£700),…
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Redress payments?
Hi , I have had an on going complaint with Halifax bank of Scotland.They have made various 'good will payments' and credited these to my BOS credit card (almost £600 in total) as a way of making up for their mistakes. Although I am pleased to have received this much, it isn't exactly useful to me sitting in my CC. I am…
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Barclaycard Balance Transfer
Hi All, Wondering if anyone can help?? My husband & I applied for a Barclaycard on line at the weekend & requested a balance transfer to be done of £4,400 from a Virgin Card. Our application was accepted there & then with a credit limit of £8900 and we received cards in post on Tuesday. I then went onto register for the…
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Santander Credit Limit
Hi I was recently sent an an offer from Santander offering me a credit card with 17 months interest free and no fee on balances transfers for the first 3 months. This seemed an excellent deal and was perfect for me as my interest free period on my RBS card was ending shortly. I filled the form out and sent it off…
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Citibank then Opus now progressive credit limited
Hi. My husband used to work for citibank. He had a creditcard with - £21,500 limit. Recently it changed to Opus - they put interest rate to 30 per cent but that made no difference as he had 2 lifetime balance transfers. One for about £7k at about 6 per cent and one for about 6k at about 5 per cent. Last month I paid the…
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Halifax Clarity CC
Hi We've applied for a Halifax Clarity to use on our holidays. I was wondering does anyone know if we will have to inform them that we will be using the card abroad? Thanks
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Halifax Credit Card Order of Payments
I have just had an interesting conversation on the order of payments for Halifax Credit Cards. I currently benefit from an interest free balance transfer that ends next year. I made one purchase prior to the generation of the statement in June. In July I made two payments (one direct debit, the other manual) , the combined…
