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Santander Zero credit card and cash withdrawals
Hi, I have a Santander Zero credit card. I want to know if I use the credit card abroad to withdraw cash from an ATM will I get charged anything. I always pay my balance off in full automatically via direct debit. So lets say at the beggining of the month I take out 100£ worth of Euros. Will I be charged interest on the…
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Car Finance! - Help
Hi, I am after some help / advice on a car i recently bought from a dealer. I bought the car just under 3 weeks ago (more than 14 days), I paid £500 up front and remainder on finance, however, after 7 days there were problems which needed fixing, and the car has been with them for 7 days to get fixed. while in there hands,…
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Check Your Halifax CC Statements
I have just checked my Halifax Clarity Card statement and I have noticed that a 'late fee' of £12.00 has been added. I make two payments per month and I knew that this was incorrect. I contacted them by phone and it sounds as though this has been an issue and was removed from the account. It might be worth checking your…
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Online Buyer Protection
Sorry if this is in the wrong section but I didn't know where else to put it. I'm thinking of buying a digital camera off a website I've never used before. (I'd actually never even heard of it until 20mins ago). I've googled the website and it's got good reviews but when buying online you never can be too careful. So my…
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Debt Collection Companies
I heard avery interesting article yesterday on my local radio station phone-in about the Baillif programme on ITV 1 on Monday night. The caller said that if you fall behind in credit card payments and the lender sells the debt at a fraction to one of these recovery companies without your permission, you should write to the…
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Virgin CC - not renewed account
My existing card expired and i didnt automatically get a new card so i called to ask and they told me they were not renewing! i only use the card for balance transfer when on special offer so obviously theyre not making enough out of me! has this happened to anyone else??
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Credit Card Agreement Not Received Help
I sent MBNA and Barclaycard a written request for them to send me a true signed copy of my credit agreement. I wrote to these companies on the 24th October, and to date no response from them has been received. I understand that there is a 12 day rule that if they do not reply to a request for your credit agreement then the…
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Help with Credit Shuffling
Hi I currently have 3 cards - trying to structure my debt and make it cheaper Barclaycard credit limit £3500 - balance = £1650 16.9% Natwest Classic Credit Limit £800 - balance = £800 17.9% Natwest Platnium Credit Limit £1000 - Balance = 1000 17.% Barclaycard have offered me their 6.9% deal for life of balance. I was…
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Shall I super balance transfer?
Hi there - I'm a first time poster so sorry if this is in the wrong section. We have 2 overdrafts, one of 2000 (unused account) and the other at 1800 (current account - salaries paid in, bills come out and day to day spending). I want to clear them so that we don't have a 'sitting' debt and it would also be nice to look at…
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woodgnome
my wifes credit rating apparently isn't that good whilst my own is 'excellent' can I take out a card and trnsfer the balance from her cards on to my new one?
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Virgin Card Same number
Hello there, I just added my wife as an additional card holder on my virgin credit card. How come her card number is the same as mine?
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Credit Cards for low Credit Rating
How do I successfully apply for a Credit Card as I was turned down a year ago (by Tesco)? I'd like to get one just to improve my credit rating (by using it wisely). My credit rating doesn't seem that bad, but Tescos obviosuly spotted something they didn't like. Thanks :o
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Sons Account on my Credit Report, 2nd time this Year
Hi All My son has the same first & surname as me, and also has a Santander current account. In Feb 11 I noticed, via my Credit Expert membership, that his account was on my report and had arrears. I appealed and got it removed but to my horror i was refused when i applied for the Capital 1 card recently. I have checked my…
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Unsubstantiated refusals for credit cards.
I have recently applied for a new credit card and have been refused twice. There is no valid explanation as to why they are refusing me as my Experian credit score is 961. I am employed as an engineer earning what I consider to be a decent income and have no previous history of debt or bad credit. Does anyone know why I am…
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Working the 0% shuffle
I am in the process of swapping my crredit card debt to 0% deals. Have got one card from Lloyds TSB that I have put half my debt on. Now need to swap the rest, about £5k, and the Barclaycard deal is the best. I had a Barclaycard which I paid off and closed last week. How long do I need to leave it before I can apply as a…
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Best Balance Transfer Card for Good Credit Rating
I am looking to get a balance transfer card, and I have a good rating, obviously I want to make sure I get the best deal, but I am uncertain if I should go for the Barclaycard or another option. On the Barclaycard website it says Excellent/Avg/bad...and shows the options you can apply for, but what if you are Good? If…
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Should paid CCJ's last 6 years?
I wonder what you think of this. I can't understand why there is not a scheme to help those who really want to get their life in order after a CCJ or default. At present all CCJ's and defaults remain for 6 years paid or not. (Unless paying a CCJ in the first month) If made Bankrupt it is possible to apply to be discharged…
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Balance transfer to another person
Hi there, Question: Is it possible for my partner to balance transfer her outstanding credit card balance, which she's paying interest on, to a 0% credit card in my name? If it is possible, is it only certain lenders? With our respective credit histories, I'm able to get a 0% deal whereas she isn't. Thanks for any…
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Tesco clubcard plus
Do Tesco still operate their clubcard plus card the one that is like a debit card , i have had one for several years now put money on it to do my shopping do i still get points on it ? i have contacted Tesco but no one appears to know much about it , any info would be great.
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Capital One 5% Cashback Card
I recently read an article on MSE regarding the Capital One 5% Cashback Card which I am sure stated that if you applied before 13th October - which I did - you would also qualify for 0% on spending for a period of time. I cannot now find that detail and according to Capital One I have not got any interest free attached to…
