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Fraudulent Credit card use
I was recently the victim of credit card/ id fraud. This matter was reported to the credit card company who them investigated the matter and agreed I was a victim of fraud and refunded all the charges that were made. Today I have recieved a letter from the credit control department of a company where the card was used…
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Vanquis Credit Card over limit fee?
Hi, I've got a Vanquis credit card, and I've gone over my limit of £250 by £27, I've paid £8 off so far, and I will be paid before the next payment due date so will pay in about £50. I was wondering if anyone knows what charges I'll get for going over my limit? Because I want to make sure when the charges are applied I…
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Amex Platinum cashback
Hi Just noticed that Amex have stopped the 5% cash back and loaded the card with a £25 annual fee - i am just about at my anniversary of having the card and got about £300 cash back to come, which isn't bad just for using the card. Does this mean i will now be charged £25 annually or do I retain my terms and conditions of…
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Vanquis minimum payment text message?
I switched about 6-7 weeks ago so that my Vanquis card takes the full outstanding balance instead of the min payment. Now this month should be the first time it takes the full balance yet I had a text the other day and it stated a min payment of £xx was due by the payment date. Is this the standard text message even if you…
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MyTravelCash Warning
Hi All, We justed wanted to warn others about the MyTravelCash US Dollar currency card. In particular, its claim that there are "no ATM fees when you withdraw cash". Having just returned from the US, this is technically not true. Whilst myTravelCash do not themselves charge any fee to withdraw cash in the US, all the ATM…
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Asda Credit Card-Faster payments
The Asda credit card administration has been taken over by Santander. I, like many other customers have been informed of new account details to make electronic payments. Please be aware that payments to this account do not accept "Faster payments". If you leave payment of your account until the last minute you could incur…
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Two PayPass Cards
I love PayPass! Bought a coffee with it for the first time last week, and I am thoroughly pleased. Didn't even need to remove my wallet from my pocket! Very convenient :rotfl: I was just wondering, though - what would happen if I had two contactless cards in my wallet? Would it charge both of them, or just one, or would…
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What to do
Basically I will be looking to get a mortgage in the near future and I do not owe money as I tend to save for purchases rather than borrow which it seems makes me a poor risk as I don't have a credit history. I am in full employment with the same employer for the last 23 years on a comfortable salary (£36000) and my…
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Credit card for expensive one-off purchase
Hi all, I'm new to credit cards - I've never found a need for them (I typically use cash and occasionally debit cards; Paypal where possible for online payments but mostly debit cards). I'd like to make a one-off purchase for a new computer that is expected to last me for a very long time (more than 6 years if possible). I…
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Vanquis !!!
Hi All I recently applied for a vanquis card on the 05/11/2011 and was not given a instant decision,and was told to wait .and i still have not heard anything !! does anybody know if vanquis just have a back log of applications or is this just normal? Ta
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MBNA Credit Cards
Hi everybody I just need to know whether I can apply for a MBNA credit if I have one already. I have the MBNA Mastercard which the 0% interest free period is going to run out in a few months. For example can I apply for their Play.com card while holding their mastercard? or would it be a a waste of a credit search. Also…
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Can you opt-out of Barclaycard Securecode?
I'm trying to put through a transaction and the website is insisting that I activate Securecode. Is there any way to opt-out?
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Is PPI ever worth it?
Hi I was wondering if paying for PPI every month is worth it, has any one ever claimed due to illness. I am thinking of cancelling mine ( not missold) as i am i would rather the £30 come off my balance each month. Any views?
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orange pre pay wont get sent out
ordered an orange pre paid credit card last night and just got an email saying it will be sent once ive returned 2 proofs of ID....it says in terms and conditions and even the shop assistant told me that i dont need to verify my card....only if i upgrade which i dont want. can this be correct....i dont see why i have to…
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New capitalone card?
I had a text today to say that I should start using my new CapitalOne card as the old one will soon stop working. Seems a bit weird as the current one still has two years before it expires. I thought they could have cancelled the card if a retailer had leaked some details but surely if this was the case they would have…
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Credit card to clear overdraft
Hello! This is my first post on here and I am quite financially inept so please bear with me! I am after some advice. I have £3000 overdraft on a Santander account (which I am being charged £7.50 a day for) and I have £900 on a Santander Credit card. I wanted to use a Super Balance Transfer to clear some of my overdraft…
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Halifax Clarity Card - How Long?
I was accepted online for a Halifax Clarity card on Monday. Could anyone tell me what happens next please? Do they send me some documents to sign and return before they issue the card, and if so does anyone have an idea of the time scale involved. I am going to Europe in three weeks and had hoped I might be able to use it…
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Egg to Barclaycard - Interest Rate UP despite opt-out
Hi, can anybody advise me on the following? I was contacted by Egg earlier this year advising that my rate was going to increase to over 26% unless I "opted-out" - which would close the account and secure the 19% rate for the lifetime of the remaining balance. I elected to opt-out. There was a delay in the implementation…
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Credit Card Refunds
This morning I purchased a £9.05 train ticket using my Barclaycard (which had an available balance of £16), specifically stating that I required it for Saturday evening. When I was handed the ticket, it was dated for today, so I asked for it to be changed to tomorrow. The teller processed this as a refund and new…
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Nationwide credit card application
I have applied today for a Nationwide Credit card. 0% for 6 months On the online system it suggested a credit limit of £2500 at an APR of 15.9% I changed the limit to £2000 and submitted the application. The next thing I had was a screen stating that the Credit Agreement would be sent out to me in the post for me to sign…
