-
What if i go into credit on my card?
I have a limited time offer of 6.9% for the life of the balance on my barclaycard platinum. I want to transfer £1100 from nationwide credit to barclaycard on this deal. I currently only have £750 outstanding on my nationwide credit, so if I went £350 in credit on nationwide card could I be penalized? I have googled this…
-
Tesco credit card - car purchase
Hi everyone, This is my first post on this forum and I would appreciate a little advice. We have just been sent an offer from Tesco to apply for their credit card. They are offering 15 months interest free credit. I've read through the small print but cannot find the answer to my query. We were looking to change our car…
-
Pay off loan with credit card - Would it be a 'Purchase'?
I have had a Barclay loan for the past 4 years but I still have another year and a half to go (I would be finished this January but added extra time by refinancing to get some more money about 1.5 years into my loan). My loan is about 23% APR and although I can afford the repayments still, the interest keeps bothering me…
-
Vanquis account in credit, cash advance.
Hoping someone here knows the answer to this. My vanquis account was in credit by roughly £100 and yesterday I withdrew about £50 in cash on the card (debit card is lost, bank was closed, only real option) now, I would assume that as the account is in credit, they can not charge me intrest on this cash advance as it is…
-
cant access amazon mastercard website??
anybody out there having the same problem? bankofamerica website is just eggtiming.... no matter how long I leave it. :mad:
-
NATWEST 0% Offer but Charging Interest
Hi, I had an offer to do a 0% Balance Transfer or Money Transfer for 12 months from Natwest. I took up the offer and even though I make payments over and above the minimum and on time I am being charged interest. I have interest of £0.47 and £0.52 showing for consecutive months. I don't understand it.Has someone had a…
-
Paypass Error
I have used my card several times today. Two of them were paypass transactions and went through fine. I then went to a Cafe and it instantly said Authorisation failed. I did a Chip and Pin transaction in the Cafe just fine. Is this a common occurrence?
-
Confused Egg/Barclaycard
Hi guys, I'm really confused and hope somebody could offer me some insight. I had an egg account, which I was not maintaining due to my level of indebtedness. Earlier this year, with a balance of approximately £2300 I made an offer of £600 to close the account as a partial settlement. This was accepted and the payment was…
-
How long to wait till applying?
Hi all! I have just 'upgraded' my main Halifax bank account. I used to have a simple 'Card Cash' account which I have had since I was young, and I don't think it was doing much for me, so I have now upgraded to a Reward Current Account. I wanted to also apply for an overdraft and credit card in order to start building up…
-
Barclaycard 22 month low transfer credit card problems
I have just applied for this card as it seemed like the very best deal to get me out of an imminent change from 0%. However, all is not as it seems because I tried to transfer £3000 which would qualify for the 1.6% rate only to find that they set my credit limit at £1200 and because I exceeded it all promotional offers are…
-
Interest charges - Quick Question
Websites always encourage you to pay off your balance in full before your next statement to avoid paying interest However, how is that possible if interest is being calculated on a daily basis?.. Surely if say I had £1000 on my card for the whole month, and paid it off the day before my next statement, I would still be…
-
Change of situation
Is it standard procedure to let your credit card provider know of a change of situation, ie. Change of job with a higher/less salary? Cheers
-
Delay in online payments!
We are told to ditch cheques and use e-banking so why does it take up to 4 business days for me to pay my credit card bill from my current account when its with the same company? a cheque takes 3 days to clear. Will e-banking ever be quicker? it should be instant or at least 1 day max. .
-
Credit Card Payments and FPS
I have just been reading about the Faster Payments Service and used their sort code checker to check if my card providers accepted faster payments. It turns out Capital One and Aqua both accept faster payments, I usually pay both of these using their payment systems online, which takes 2 to 3 days for the payment to be…
-
Credit Card Refunds - Time Delay
Purchases via credit cards are debited to customer's accounts immediately (even if they are shown as pending) and, where applicable, interest is charged from the date of the transaction (same day). Refunds however are not credited to the credit card on the same day. These typically can take between 3 and 5 working days!…
-
Credit Card, suspicious txn
Here's an odd one. I logged in to my credit card online banking site at lunchtime from the work and noticed that there was a payment made to my card of ~£5000 leaving me with a balance of almost -£4900. This was followed two days later by a CHAPS transfer back out, to exactly the value to leave the balance at £0.00. I…
-
credit score
hi is there any free trial that actually gives you your credit score? i have applied for a mobile contract and they took the £2.00 but havent refunded,i since have had an email saying something was up. i called and they said something must be wrong with credit, i signed up with equifax and it tells me nothing i dont know.…
-
How long on file?
Afternoon all :) Two questions that I hope you can answer please. 1. In my youth, I opened a lot of store cards and credit cards because of offers (10% off etc) I used them once, paid the balance and closing them. This was in 2006 (had at least 4 open at once) Do these have any baring on new applications? Are these removed…
-
Can I pay some money from my Halifax account to Nationwide?
Hi everyone, I now have a Nationwide credit card and Im on online banking with them. Now when I look online I cant find anywhere that I could click to make a extra payment(Im already doing the minimum payment to them via direct debit). So what I was wondering is..... could I go to my Halifax online banking and make a…
-
Was I right to get a card with capital one??
Hello, wonder if you can help... I have an awful credit score and want to rebuild this. Ive just been accepted for a capital one card.. with a basic £200.00 limit.. When i have the money I was going to spend say 30% on the card and then pay this completly back when the credit card statement comes thru. Is this the right…
