-
obtaining higher credit limit
Hello all, Quick question for the gurus on here... I'm going to apply for the barclycard 0% But looking to get around 6k limit.... My current exposure is Overdraft =600 Mbna=7000 (life of balance) 8k limit Rbs = 600 ( spending card) 6k limit I earn around 32k, stable job.... My thoughts are, is it better in people opinion,…
-
Paying off credit card debt - credit rating?
Hey all First of all i'm anmouse and i've had debt and gambling problems which hopefully i'm beating now :j All support welcome! I am currently paying off £15k worth of Debt :( and I'm looking for advice on how it will affect my credit rating. So first an account of hopefully where I am... I have a £100 overdraft which is…
-
Credit Card Help!
Hi there, I've currently got 2 credit cards (Capital One & Vanquis- horrible providers) and I have a few queries. I'll be making a very big move soon and would not like to carry the debt of these with me. The APR is about 40%+ on both cards, recently Vanquis sent me a letter to advise me that theres was increasing to…
-
First time applying for Credit Card - Need some advice
Hi folks, I tried to read as many guides and posts on the forum, so sorry if this has been asked/explained before. I have lived in UK for 15 months or so with the first year being a student. I am now employed (about 3 months so far) with 55K income per year. I have had a current account with NatWest since I have been in UK…
-
Barclaycard 11% cashback application problem
I applied for the barclays platinum balance transfer card from here. I got a letter of response from Barclaycard saying that I had been accepted for a Barclaycard platinum card but not the card I originally applied for. All the details seem the same as the one advertised in the link but there is no mention of any cash…
-
Costco True Earnings American Express
Very specific targetting but Costco have launched an American Express card that may be useful for some: 1) You need to be a Costco member to get a card 2) There is a £20 Annual fee (above and beyond Costco membership) 3) 3% Cashback on restaurant purchases , 2% Cashback on Travel purchases, 1% cashback on all other…
-
How to undo wrong credit default status?
Hi - I wonder if you can help me? I have signed up for 1 months free trial with Experian. My credit rating has been ruined because my daughter held an account with Avon (makeup etc) in my name. I have been registered as not paying for what we owed for about 4 months in a row. The fact was that my daughter had returned…
-
1 in a lifetime credit score.
:T1 in a lifetime credit score, only on offer until midnight tonight. Pay me £5.00 and I will tell you not only where you go wrong or right, but will give you the score you deserve.
-
0% card or balance transfer card?
I am going to Australasia in January for up to 12 months (on working holiday visas). I'm very likely to run low on money over there (when I'm between jobs) so I want to take a cheap credit card as a back up rather than having to use my expensive RBS overdraft or my standard credit cards. I've got a Halifax Clarity which I…
-
good credit but still can't get a loan
Hi everyone. I have been having trouble extending my student overdraft for a long time now. I have also been rejected from credit card applications and a career development loan from the co-op. I have done the free trial on the experian credit check site which tells me I have a 'good' credit rating of 884. Why am I still…
-
Help with barclaycard application
hi i applied for a barclaycard on the 26th october at the end of the process it said the application was successful a few days later i received the credit agreement for i signed it and sent it back i contacted them about a week and a half ago and they said they still had'nt received the credit agreement forum so they sent…
-
MSE News: Store card inducements to be banned
This is the discussion thread for the following MSE News Story: "Shops will no longer be able to offer instant inducements to customers to take out expensive store cards, under a voluntary code agreed between banks and the Government ..." Read the full story: Store card inducements to be banned
-
Tesco Clubcard CC or Cashback CC?
Other than bills and direct debits, all of my spending is made by Tesco Clubcard credit card and I pay the balance off in full every month, so that I don't pay interest. My average monthly credit card balance is around £1,000 and per quarter this gives me around £8.00 in Tesco vouchers. Just wondering am I better off…
-
Tracing account credits
Does anybody have some advice… On my credit card statement each month is a credit for £20 which covers the minimum payment. The problem is, I don't know where this credit originates. Call me absent-minded, but while I vaguely remember setting up a standing order for this, I don't remember where. So, I've checked the bank…
-
Credit Card & Airmiles - Is it still worth it?
Afternoon all I'm just after a quick bit of advice if I may? I'm looking into opening a credit card as i'm buying some equipment worth about £2000. The credit card i'm looking into is the BMI Visa card. I thought it worth while getting something extra for the money i'm going to be spending. I won't have a problem paying…
-
I keep geeting charged by webbilling.com
Hi i had signed up for a subscription from an adult website that used a company called webbilling.com one month i didnt have the money in my account so I cancelled my subscription to the website and the direct debit to them. I then sent them the money I owed (£32.50) along with an email to confirm my subscription was…
-
Credit report, is this an error?
Hi, During my regular check of my credit report I noticed that for a couple of months (July and September) my credit card shows a ? rather than a green tick, which I assume means a query of some sort. I noticed this before on the July statement and thought that maybe it would update itself when the next statement came in…
-
Egg World Money Credit Card transferred to Barclaycard- check your statement
If you had an Egg World Money credit card that has just been transferred to Barclaycard then I sugget you check your statement for charges. Despite clearing the balance every month, Barclaycard had added a charge for the balance of the entries when the card came over to them! So any transactions I did after the closing…
-
credit cards
Hi i have 2 credit cards and an argos card ,just wondered if i over transfer money from one credit card to the other on e and withdrawn cash out of the other so i can pay my argos card off and have one visa at 0% for exp; argos £400 halfax £100 at 0% balc card £0 17% so transter 400 into halfax then that well leave me 400…
-
Capital One Progress Card - Acceptance
Hello ... I currently have a Capital One Classic card, I have applied online for a Capital One Progress Card. I had to sign the electronic acceptance form and they said they would perform addtional checks. What does this mean? Will I be accepted. Its been 5days and I have not heard anything. Also I pay my balance in full…
