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Halifax Mortgage Credit
The Halifax has just credited my Mortgage Account with £1110.00 saying its a goodwill payment because their original mortgage offer may not have explained certain details as clearly as it could have, relaiting to a cap that limits interest. I find it strange that they are giving me this amount at all, without me even…
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Balance Transfer Q
Just a quick question about doing a balance transfer. I have a CapOne with a £500 limit. It's been paid off every month in full and I want to continue this pattern and still have a chunk of cash left over christmas. It's currently at 75% of the limit and I won't be doing any more spending on it. I have a BC initial at 0…
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transfering balance
Hi, Is there anyway you can transfer funds from a credit card into your current account? Thanks
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Vanquis - Don't EVER accept old customers
Just thought I'd share the following with you. If you close any of the cards offered by Vanquis down and then want to re-apply for one of their cards, you can't ... EVER?! I know, many of you will say why would you want to go back anyway, but thought I'd share the information. So, you can't even get one of their cards that…
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What is the best Credit Card for me?
I have no credit history at all and want to get a credit card. Which is the best one for me? Thank you. Charlie
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Can I claim back price cut?
I remember reading somewhere (hopefully!) that it is possible to claim back cash from credit cards if an item bought is subsequently reduced in price in the next 30 days. Does anyone know if that is the case. Thanks
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Halifax lost Septembers statements in a fire!
I never received my first creditcard statement for my Halifax Clarity Credit Card. The first paperwork I receive after using it is for a missed payment.. So I ring Halifax, they explain it must have been lost in the post...but as it is my first time they remove the £12 charge and I then pay it off in full. Two months…
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Keep getting refused!
I'm a student trying to get a credit rating. I've applied for my own bank (Halifax) credit card- refused. Decided to try some beginner credit cards- namely capital one, granite and aqua. All refused. How can I get a credit rating? It's really concerning! How do people initially get them? :/
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Newbie Tesco Clubcard credit card question...
I have a Tesco Clubcard credit card account which I service online, without a problem. They send me vouchers and I put the vouchers in a draw. I've just noticed one of them expires on Wednesday. It seems the best way to use these is to go online and change them for a "reward" rather than use them in a shop. Though I can…
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Barclay Cashback Card Pin not received yet?
Hi, is there anyone have the same problem here? I received the 11% cash back credit card on Nov 22nd, but I still have not received my pin number. It is very strange that takes this long.Should I call them?:(
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Warning - beware quick repayment
I took out an M&S Credit Card, because it offered a life of balance rate of 4.9%. I transferred about 6K from another card and am paying it off slowly. I try not to use the card for purchases because the rate is 20.9% However, as a result of a mix up I paid £1,500 for a reception for my daughter's wedding on the card. As…
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Is it worth getting a credit card?
If it meant that I'd make money from my credit card, Id apply quite quickly but it seems that for any cashback credit cards, you have to be earning at least 7.5K/year http://www.moneysavingexpert.com/cards/cashback-credit-cards As a student, I don't get that amount of money for the year Without wanting to sound arrogant, I…
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Debt Question
Hi, I am new to this so I hope someone can help. Some years ago I had an account with Amex, which I thought I had paid off as part of a settlement of this nad a number of other debts which were all consolidated. I have been approached by a debt collecting agency who have secured a court order, however it was initially in…
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Application accepted but balance xfer 'not at this time'?
Hi all I was pleased to finally be accepted for a 20 month 0% credit card with Barclaycard today (failed before due to issues with address) but a bit disappointed to be told that the balance transfer I'd requested was 'not possible at present'. I applied for the card online (it was an offer with an impending deadline) so…
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Finding the owner of card off receipt details
Hello This is rather ambiguous due to the value of what has been found. We have a certain high value item with receipt in our care. We have a receipt for a debit card for the shop from where it has been purchased. The shop has not been helpful to us saying that they cannot trace the high value items owner because they…
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Fairfx Card
Hi I'm not sure if i'm posting this in the right place as it's a top-up card, not a credit card. Anyway, i got a Fairfx card ages with the intention of using it to pay for Ryanair flights. I never ended up using it for that and now just want to use up the £10 balance and close the account. I tried paying for £10 worth of…
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Complaints procedure for numerous phone calls....
Capital One are phoning up 3 times a day on average at present (3 times today, Sunday, since 10:30am, last call a couple of minutes ago) regarding me going over my limt by £24. Had at least 40 phone calls now over the last week (every day including weekends) and a half even though it has been paid. No matter how much you…
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Best Credit card for daughter
Hi all... long time lurker doing my first post. Thought I would ask you knowledgeable people on here... Quicker than doing my own research! ha ha My 19 year old daughter wants to get her first credit card to build up her credit history. She is in full time employment and would pay the card off in full every month. Could…
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Rebuilding credit rating
Hi! I recently found out that I inadvertently made a purchase on a dormant credit card a year a go and it went unpaid and therefore to debt collectors. I will pay it off soon, and then hopefully MBNA will reinstate my card so I can start to build up my credit rating. I would like to write to the big 3 agencies to ask if I…
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mbna credit card help
hi i have had a letter from mbna to hike my rate and not really sure what to do. It says i can reject it and pay at the old rate. 15.9 - 20.9% Will this effect my credit rating if i reject? Should i ring and try to barter with them? Was planning to pay more of it off after chrismas monthly i have missed any min payments…
