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Credit cards

Archives for November 2011

Making several payments before statement is due
Hi, I have made several payments this month on my credit card as I was approaching my spending limit but still wanted to use it as I don't use my debit card for purchases. Obviously these payments were not due and my spending shows as being well over my credit limit. Will this affect my account/credit rating in a negative…
AA Rewards Visa Card
I recently applied for the AA Rewards Visa card. I've done a search on this forum and it seems there have been problems with an AA Rewards Plus card but not sure if this is the same thing. According to the AA website, as an AA member I should get 2 points per £1 spent on fuel and motoring and 1 point per £1 on all other…
How to stop my husbands credit rating?
How to stop my husbands credit rating? My husband has asperger's syndrome and one of his cry's for help seems to be withdrawing cash on his credit card to his limit and wasting it all on slot machines. I have been told I can apply to get his credit rating blocked/suspended so that he cant apply for anymore credit but am…
Visa debit - section 75 rule?
Hi All, I'm sure someone has already asked this, but after some googling and searching I just can't seem to find the answer so sorry! I am looking to book some Easyjet flights and I am trying to avoid the card charges. If I pay with visa debit will I be covered in the same way as a visa credit card? Thanks for any help
Refused New Look store card?
Hi! I'm a bit confused about a store card refusal, and was wondering if anyone had any advice on this. I was doing some christmas shopping this week at New Look, and when I went to pay I was offered a 15% discount if I took out a store card. I figured aslong as I paid it off straight away, I might aswell take advantage of…
orange contract hikes !!
recieved a text today telling mt that my contract price that was agree at the beginning of my contract is too rise ..because of inflation ? is this right !!
What to do with my credit cards?
Hi, I have about four cards that finally have zero balances but I've heard mixed comments about whether I should cancel them and rule out the temptation of using them again or keep them open as it makes my credit rating better. Please can you advise on what I should do because I'm worried about the temptation but also the…
Re: stolen credit cards, how to report?
There is a thread called stolen credit cards, how to report? It has had 58 views so far and is still there. How many people have to report it as Spam before it disappears? Has anyone read it and NOT reported it?
Credit Card Robbery!
This is a story for others to be aware of as much as me looking for advice on whether I can get my money back. All the following transactions took place on my VISA Debit Card. I went to Albefeira recently on a stag do and made the customary trip to a strip club after an all day drinking session. I bought some drinks using…
Stupid question, but couldn't find an existing thread/article...
When you make a purchase on a credit card, is there a period where interest isn't applied? Eg if you buy something on 1st Dec then pay your balance in full when it's next due on 30th Dec, is any interest applied or is there a set amount of time before the purchase starts attracting interest?
Lloyds TSB Airmiles Duo Credit Card
I just received a letter from Lloyds TSB saying that "as a responsible lender, we review our lending from time to time..... This is why, from the date of this letter we have reduced your credit limit to £500 and will close your account at least 2 [sic] months after you receive this letter." Why? My credit score is…
Mis-sold credit card?
back in 2004 i changer my regular current account to a gold account (which i didnt keep that way for long), shortly after i recieved a credit card thru the post, with a £1000 limit. i was 18 at the time and had never had money before so as you do, i started using it, and was soon at its limit. however recently iv put in a…
which address to use while abroad
I need some advice in helping me get my credit rating sorted out. I am currently living in Germany, while my husband is doing a 5 year civilian posting with the British Armed Forces. I would like to know which is the best address to use when giving banks etc my new address. I have two options; (1) BFPO address or (2) My…
How long to wait?
Hi, As I post this, I realise I'm probably being impatient. I applied for a Capital One Classic credit card about a week ago and haven't heard anything. When would be the best time in your opinion, to call up and ask what the status is? Just getting worried they've forgotten me!
Claiming back credit charges....confused
I took out a credit card with Capital One in November 1999. I believe that this was mis-sold. I didn't even realise that I had the ppi when I was having treatment for cancer, and called them to say that I was late in paying as I was ill. They did not inform me that I had the ppi. I would like to try and reclaim my charges,…
Tenant or homeowner?
Hello there, Thinking of applying for a 0% balance transfer card, and (might sound a bit daft) but not sure what to put as residential status. Husband and I own a house that we rent out, and rent a flat ourselves in another part of the country. So effectively I am a homeowner and a private tenant. I have done the…
Capital One World card- changed the 5% offer?
Did anyone else apply for a Capital One World Mastercard 3 or 4 months ago? I am absolutely positive that when I applied in Spetember there was no mention of a limit for the 5% cashback in the first three months. I knew that I would be bookng a holiday as well as christmas presents in the first three months so I knew I…
Credit Report - Missing Information
Hi, I applied for a credit report in 2008 with Experian, I cancelled my membership within the 1 month free trial period. I have recently been refused a credit card with Tesco so I wanted to check my report out again, re-registered and got a 'Fair' grading back from Experian. I have noticed that there are a lot of things…
Full repayment of credit card debt
I ran up a debt with a credit card company about 2 years ago of about £4,500 and was then taken Ill and had to resign from my job. Since then I have been on benefits. When this all kicked off I contacted CCCS and, as they suggested, I wrote to the company, informing them of my situation and offering to pay a token amount…
Payments on cancelled credit cards
Does anyone know whether retailers can still charge to cancelled credit cards? I've paid off a couple in full and cancelled them recently, but I'm worried that some forgotten automatic yearly renewal will kick in for something (e.g. tastecard, which happened last month) and that a retailer will try and charge one of those…

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MSE News

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Credit cards

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