-
Late payment fees even though I pay each month
Hi All, I am after a bit of advice, as I am rather annoyed at charges I have incurred on my Virgin credit card. Senario: We transferred around 4k to a Virgin credit card in April as it was a 0% deal. I immediately set up a £150 standing order (well over the minimum) which has been coming out ever since. We then forgot…
-
credit scores
Hi, Probably in the wrong forum for this so sorry in advance. I have a query on my credit report. I get updates each 3 months as part of my bank account. In may my score 654 and now its dropped to 621. I rang up 'id aware' who provide the search as I have no had any changes to my report. No new accounts and all of my…
-
Does your Vanquis credit limit reflect on your chance of a main stream 0%???
Just wondering on if you have had a Vanquis card does the limit you hold have a impact on your chances of getting a mainstrem card? I am going up to £1750 from £1000. If you have transfered from Vanquis to another what was your limit? as many as I started on £250
-
Credit card dispute help
Hi, i recently purchased an iphone from a website that turned out to be not as it seemed. On the website it stated 5 days delivery and after 3 weeks the phone didnt arrive. I contacted the company many times with no replies so i contacted my credit card company (barclays) and started a dispute. Thankfully after 4 weeks of…
-
first time user
Can anyone suggest how i can reduce my credit card debt? i have 2 cards and am really only paying off the interest on each. seems too complicated to do anyhing about it, i don't know how to start. can anyone help?
-
Credit Card Interest Question
Hi, hopefully someone can clear this up for me. My barclaycard has a balance of £151, on it which I've cleared today by faster payments. (I clear the balance on this card every month to save paying interest). Now that my balance is £0, if I make a large purchase tomorrow (flights), when would I have up until to pay it…
-
Balance Transfers
I wonder if someone can help me on this; I have 2 balances on each of 2 credit cards. Both cards are offering similar balance transfer deals offering 0% interest for x months. Can I transfer the balance of one card to the other, and then the entire amount back to the original card, thus benefiting from the 0& interest on…
-
Virgin Balance Transfer - Confirmation Required
Hi, Can someone confirm my thinking please. I have a Virgin CC with an existing balance at regular % rates. The card is not at it's limit and they are offering a 0% deal for new BTs to the card. Having looked at the numbers it would be in my interest to switch two card balances around. Both cards are running at standard…
-
Loan or Credit Card
I need about £1200 to buy a bed. I'd want to pay around £100 a month for 12 months to pay it off (adaptable according to interest). Am I better to seek a loan or a credit card? I don't think I'm in a great position with my credit rating to get either that easily (I've already been rejected for the Tesco 0% interest for 12…
-
rejected credit cards
Hi people, i keep getting rejected on credit cards and balance transfers, i dont have much debt just the 1 card and 1 loan... but i checked my credit rating the other day and it said "poor", but all my card payments and loan payments are showing up to date on there... the only thing it says may be wrong is the fact that…
-
Barclaycard Calculations Incorrect - Beware
My Barclaycard balance went into negative territory due to a university fees payment being refunded ie it showed -£153 at the last statement (I'd paid some minimum payments off the balance since it was origionally paid to the Uni). I therefore started to use it again to mop up those availalbe funds. At this point this…
-
Urgent help please with CC advice
Good morning all. I hope someone can help us with a problem! We have a cc payment due tommorrow but I (looking at bank account online) thought the payment was not due by DD until Thursday. We don't have the money in the bank until Thursday and therefore we are going to get late charges and returned DD from both CC company…
-
Barclaycard application - rubbish!
Just applied for the Barclaycard Platinum card with 11% cashback deal, got to the end of the application and got an error screen, telling me to call their customer service number. Called up, to be told that it will take 7-10 days to find out if my application was successful, as they will write to me! On screen, it told me…
-
Can I have more than 1 Barclaycard?
Hi there, My question is above - can I have more than 1 Barclaycard? I suspect the answer is no, but just double checking. Thanks everyone!
-
SAGA card
My wife and I read the article entitled 'Cheap Travel Money - Top cards for spending abroad' on MoneySavingExpert.com because we were going to Dubai for the New Year. Although we have several cards it seemed that they weren't the best option so we decided after reading the article to apply online for a SAGA card. It took a…
-
How to juggle my money Down Under
how do i delete this thread?
-
Virgin Credit Card
Does anyone know who is behind the Virgin Credit Card? You know like RBS is behind the Mint card, MBNA is behind the card Halfords do, and I think HSBC or Barclays are behind the M&S More Card. I'm hoping to switch an existing balance to a new card that has an issuer that I am not already with.
-
Best cash-back?
Now that Tesco have stopped their double point system what is the best 'cash-back' Credit Card to have? I used my Tesco card for all purchases and paid off the bill at the end of each month because I hate paying interest. I'm not interested in balance transfers or limited cash-back deals like the Barclay Platinum currently…
-
ppi
When applying on line ,does anyone know how to find out if barclays visa credit card had a pre ticked box for ppi?
-
When is a fraud not a fraud?
I have a Natonwiide credit card, and on the latest statement is a charge which I have no knowledge of, although the name of the payee is a company to which I gave my credit card number in September to conduct a legitimate transaction. Nationwide are refusing to accept that the latest charge from this company is fraudulent,…
