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what if i made a payment to my old credit card
hello every1, new to here i usually pay the credit card though the card payment from credit card website. i made a payment couple of hours ago to my old credit card through my bank online payment which stored my expired tesco credit card, probably expired around 01/2010. its a fast payment, means the money already left my…
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Is a credit card the best option for me? ... What deals etc?
Ive recently moved and used all my savings - still a few things I need to buy so am thinking of getting a credit card. Ive had one before but not really used it, did get it with the aim of using it to buy stuff online as more protection but dont think i ever really used it I do have an overdraft I can use, but would a 0%…
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Tesco/RBS/Ulsterbank do not want my money
Hi everyone I recently won £100 on a scratchcard and rather than waste it, I thought I would pay off some of my Tesco cc bill. Went into Ulsterbank branch yesterday with a printout from my online statement and £100. However, the cashier would not take it as "we can only accept official statements/remittances when paying".…
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Caxton FX Prepaid Card Negative Balance!
Hi, Last October I obtained a Caxton FX Prepaid Dollar Card which I used for my American holiday no problem at all, topping up and spending as I needed. Afterwards I didn't use it and pretty much forgot about it until today I received an email (over a year later!) saying this: - "Unable to get through to you by telephones…
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Do I need a Visa Credit Card if I have Visa Debit?
Hi there, Please only answer if you know. I was wondering if there is any point in keeping my (zero balance) visa credit card going if I have funds in 2 bank accounts with visa debit cards. I don't envisage needing the credit facility and will just get a visa credit card as and when I do. Are there any occasions where Visa…
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Card Protection Schemes
Hello, I'm not sure if this should be on this forum or another (insurance perhaps?) but I wanted to ask a question as I couldn't find the information I'm looking for on the main site... I have a policy with CPP (Card Protection Plan). It's £36.99 per year. It offers to report all cards lost or stolen, cancel and order…
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Warning: M&S Credit Card Payments
Hi, Long time reader, never really contributed. Until now... Beware that if you make an extra payment on an existing balance on an M&S CC, via Debit Card, this will not affect the Direct Debit payment unless the card is paid off. Example: I have an M&S CC (0% offer) with a £2k balance approx, and paid off £1000 in early…
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MBNA freezing credit limits?
Requested a credit increase on my Amazon card but was refused. I was told that MBNA are not offering credit increases to anyone at the moment. Anyone else come across this?
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Making an extra payment question
Hi all I have a Santander Zero credit card with a monthly direct debit set up. My question is I want to be able to make extra payments to the card ad hoc, can I do this / am I allowed to do this? Many thanks
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MSE News: Nationwide revives fees-free overseas use for 400,000
This is the discussion thread for the following MSE News Story: "The building society will give eligible members a new plastic, that also includes cashback on UK purchases at 0.5% ..." Read the full story: Nationwide revives fees-free overseas use for 400,000
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Balance transfer not showing on one card
I initiated a balance transfer from an MBNA card to a Barclaycard. As of this morning the Barclaycard shows the transaction as completed but the MBNA one shows nothing - not even a pending transaction. Normally when I've done a transfer it's shown on both cards at the same time. Should I be concerned? Or is it just usual…
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Barclaycard initial - balance transfer APR query
Morning all I have a barclaycard initial credit card, in which the only transaction made on it has been a balance transfer. My credit limit is £800, and the balance transfer i owe on it is £350. I did this because at the time there was a offer of 6%apr on balance transfers for the life of the transfer. What i want to know…
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Credit Rating
I have had a credit rating from equifax of 537, Equifax say that this is a pretty good rating and I should get credit at most places, although 537 doesn't sound very high! Do ratings vary between credit reference agencies?
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loans and finance!
Sorry if this isnt in the right place! im asking for my boyfriend, about 10 years ago his girlfriend at the time got a loan out in his name (fraudulently) for about 10 grand, he went to people he had a loan with an citezens advice an they said they couldnt proove he didnt get the loan out because he is dyslexic and cant…
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lloyds tsb platinum credit card charge
I have the above credit card and the last time I used it for a purchase a small interest charge was added two days later. It is paid off every month and the charge was added before the statement was issued. I contacted the department at Lloyds who deal with credit cards but got no where as to why this charge was added. Can…
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Is it necessary to request a final statement from Tesco?
My balance is just over £700 and my 0% period is due to expire. Would it be correct to repay the balance or do I need to request a final/closing statement from them, I'd like to check if there are any charges. I may give them a call later today, see what their customer service is like.:eek:
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'Dormant' Credit Cards
I have a couple of credit card accounts that are active but with zero balances owing. Just wondered what is the best thing to do? should I leave them as they are in case I need to use them in future ( and save the hassle of making a new application), or should I cancel them? They are cards with a total credit limit of…
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Reclaiming charges on my credit card
I may be several years too late, but I wanted to know if there's still a chance that I can reclaim the following on my credit card which expired in 2006. It was an Abbey credit card, but had MBNA on it.. I still have the card. I've been making payments on it each month, but want to know if it is worth me writing a letter…
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Credit Card Decline (Natwest)
Hi Guys, New here - alot of interesting resources! I am a student, of which I am now trying to apply for a Credit Card. I have bought my Credit Report and Credit Rating. My Latest Rating is: 444 (which apparently is good). However, I did have some trouble with the Electoral Role. I moved addresses, and forgot to apply for…
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Capital One World Mastercard
This credit card is being offered for customers with a 'perfect' credit history. I've never had any charges nor have i ever missed payments for anything. The only borrowing i currently have is the mortgage (applied for Jan 2011). This would be my first credit card (other than a student one i never used and isn't on the…
