-
Part Payment for by Credit card. What is covered by Section 75 of Consumer Credit Act
If the deposit for a holiday is paid by Credit card and the balance is paid by debit card is just the amount of the deposit or the whole balance covered by Section 75 of the Consumer Credit Act
-
LLoyds Tsb credit card
Apologies for my first thread being a bad one but here goes LLoyds Tsb are robbing b******s !!!!!!! put in a claim for ppi today, go out this afternoon to max out the credit card, card getting randomly bounced so phone them to be told that I have gone over my credit limit which they reduced ( conveniently ) last week, news…
-
Fax number Asda card (Santander), please
Hi, Does anyone have the fax number of Asda Card (Santander) for me, please? I have not been able to access my account online for nearly a year. The site gave me lots of problems in the past as well, so it is likely another hiccup. It tells me my account has been closed due to inactivity or because I requested my account…
-
More than the Minimum Repayment or Pay "Buy Now, Pay Later" Items
Can anybody advise please?! I have run up a rather large debt with a catalogue. While I am ok paying just over the minimum repayments at the moment, I have a big problem....there are quite a few "Buy now, Pay laters" coming up (pretty much one a month from Feb to Aug next year). I can't afford to pay these off so I know…
-
Contesting Barclaycard interest-rates hike?
My partner has recently been told that the interest rate on his Barclaycard is shooting up by 5 per cent to almost 20%. He makes his payments on time, and remains in full-time employment, so we can't understand why they're suddenly trying to squeeze him for more money - especially when the base rate remains so low. Has…
-
Question about credit card limit
I have been successful in my application for a Cashback credit card with Capital One. I received the PIN two days ago so contacted to find out when my card will arrive. I also asked what my credit limit was and they said £10,000. I spend £10,000 + a year using a credit card and pay the balance in full every month, so have…
-
How long before I can re apply for Amex after cancelling my card?
Hi, I've been using Amex cashback card for a while, and I'm currently receiving 0.5%. If I cancel my card does anybody know how long it is before I can reapply, so that I can take advantage of the 5% introductory rate again? Thanks.
-
This might sound like a silly question
Hi all I want to transfer the balance on my credit card to one that is 0% for a while to help me pay it off. Obviously I understand that I would have to have all the details in my home address but would I be able to get them to post it to another address i.e. my partners? The reason I ask is because my relationship with my…
-
Credit rating- refunded late payment
Hi My credit card provider charged me a late payment fee of £12 because I had not paid off my balance of £1.55 for the month. They refunded the charge but I'd like to know if I will still have a 'black mark' against my credit score. Does anyone know? Thank you
-
Card protection
Does anyone know of a comparison of card protection services (in the event of theft - cancelling cards etc). Thanks
-
0% interest on balance transfers QUESTION
Hi all, I have a Barclay card that I'm using to put my balance from another card on to so I can avoid paying interest for a while. The interest free period is useful as it's saving me some money while I chip away at what I owe, but I have a question about the card. If I were to use the card for a purchase of say £100 and…
-
Changing cards & effect on my credit score...
Thought I'd ask for a bit of advice about changing credit cards... Along with a Lloyds TSB card which I'm happy with I've also got a Vanquis card (£3000 limit) and Capital One card (£1500 limit) but due to their high interest rates want to close these two accounts and get a new credit card. I have now managed to pay both…
-
Sainsburys/Nectar application taking its time...?
So i applied for a Nectar credit card on the weekend of 12th/13th November. The application page said it can take 10 days. Great. I get a form back on 15th November for me to sign & send away in a pre-paid. It said i'd been accepted, but didn't state what credit i'd been given. No problem. Post the form out the following…
-
barclays ..useless!!
:mad: :mad: after seeing the barclays platinum card balance transfer offer on here I filled in the online form, and then was told it needed refferal..odd i though as i dont have any credit problems. the next day I tried to call barclays to ask what the problem was..it was there I realised what a huge mistake i had made.…
-
over limit fee
Hi I have a Tesco Credit Card, near to its max. At the end of the month, tesco apply their interest to my account, which takes me over my credit limit and then charge me £12 for going over credit limit. Is this allowed. Should i be paying over limit charges cause of their interest taking me over my limit? Many Thanks Bunny…
-
Best Credit Card to Apply For.
Hello .... I would like to apply for a new Credit Card but I am unsure which company is best to go with that is where I'm hoping your knowledge will help me. My situation is as follows..... 23years old Full Time Employed Salary is £27000 + Bonus (32000 per year) 1 search in the last 12months (Capital One) Prev credit…
-
MBNA - Is it Legal!!??
Okay so I finally received as of today a "copy of executed agreement" from MBNA. On the part where it says "Signature of Customer" remains unsigned. However a box has been tick claiming it has been authorised i.e. electronically. Credit agreement is still however, unsigned by me manually. I was told by the Office of Fair…
-
MBNA credit card question
Hi Everyone I currently have £3500 on my MBNA credit card and I need to make full or minimun payment by the 12/12/11 If I pay the full balance today will I get charged less interest than if I were to just pay it on 12/12/11? Appreciate your help Ross
-
Nationwide - Is this an acceptance?
Applied for a Nationwide Credit Card online a couple of days ago. Online was given an Agreement in Principle, APR 19.9% with a Credit Limit of £3500. Thought I would then receive a letter informing me yes or no, instead I have a letter requesting 2 forms of identification and the letter states "Once we have received your…
-
Will I get my Aqua card?
Hi, I applied for an Aqua credit card, at the begining of the month, and got a letter saying I had been accepted on the 11/11/2011, I only just signed and returned the credit agreement today, will there offer still hold? And will I get my card? Or do you think I will need to apply again? The APR on the Aqua card they've…
