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Vanquis - what the hell is going on with this company?
I am getting a bit concerned now. Tried to pay my card online as my statement came in the post - it went through the motions and then told me that the payment could not be authorised. I tried calling their call centre and it says they are closed and to call back between 8AM and 8PM... :mad: and yes I did call at 1PM! has…
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Daft Question Regarding Credit Card
I have stupidly not done anything about my credit cards balance and the 0% interest free period expires next month. Will I now be charged the normal interest rate from next month or will It be backdated charges from when I got the card. I.E. will i be charged % for the 16 months intested free period. Hope this makes sense.…
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credit card payment tracker
i'm trying to keep track of all my credit card payments, interest, balances, etc. i made up a spreadsheet but i'm getting all confuddled with it. there must be a simplar way of tracking this sort of thing. i want to record when, how much, what has gone of the bill & what is interest plus the balance. any help or templates…
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Is this cricket or not.
Hi there I wondered if anyone could help? I have a reasonable income of around £30k a year and I've been very stupid and managed to run up £31k in credit card debt on around 10 cards. I am still however an impeccable payer and I haven't missed a payment. However the debt is climbing and climbing and I've decided to sell my…
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What should my next move be?
Hi everyone. I am in the process of veyr slowly paying off old CC debt. I have 5 cards :o and have just paid of the highest interest one which was BC :T. They aren't showing any balance transfer offers yet but will keep my eye out and maybe ring them in the next month or two to see if there is anything they can do for me…
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Should i get a card?
Hi everyone - Have posted this on the DFW board also as I want to check before I do apply but maybe you guys could offer me some advice? I'm a single mum with 2 kids, currently on Mat leave and will be returning to work in September. I've never missed a payment on any debts - I had two of them, a studio account and a next…
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MSE News: Barclaycard to pay missing 11% cashback in March
This is the discussion thread for the following MSE News Story: "Barclaycard has apologised after customers who took an offer that was supposed to net £100 in February failed to pay out ..." Read the full story: Barclaycard to pay missing 11% cashback in March
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YourPoints - ever do special offers?
Hi, I recently received a Natwest MorePoints credit card. As I understand the reward is basically a flat rate of 0.5% value across the board. Since I use amazon a lot anyway I figure I'll just exchange for amazon vouchers every 2000 pts. Just wondering if anyone knows if they ever do special promotions where they may be…
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Barclaycard log in problems
I could not log in today and when I rang Barclaycard they said they have a lot of customers ringing in to say they also can not log in. I was using Firfox and they told me to try another browser so I tried with Internet Explorer and it worked. The problem is at their end and they are working on it.
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Credit card debt when I die
Hi. What happens to my credit card debts when I die as I have no property or savings to pay them off. Will my daughter be responsible for settling them? Thanks
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Can i use a cash allowance then do a balance transfer?
I was just wondering can I take the cash out and then do a balance transfer to a 0% card avoid having to pay interest on it? My cash allowance on my Barclaycard would be enough to save me taking out a small car loan but i dont want to have to pay my high cash interest.
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Halifax Clarity declined
Hello all, My first post so apologies if the subject is covered elsewhere. I recently applied for a Halifax Clarity credit card but was declined. When I approached Halifax they were rude and obstructive and said the problem lay with Experion. I obtained my Experion/Credit Expert rating which turned out to be near perfect…
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New to credit cards - Need advice!
Hi all, Just registered on here to get some sound advice with regards to credit cards. I've always said I'd never have one, but having ripped myself off recently buying stuff on an argos card (could have got it cheaper elsewhere on credit card) I thought it's about time I got one. Basically to cut a long story short, I…
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Minimum length of time to keep card open?
Hi all :) I recently applied for a card purely for a cashback site's offer of money (£41.20) to do so. I made a single small purchase and paid it off in full when the statement was due (as per the conditions of the cashback). This cashback has now been paid so I could in effect close the card - what I'm weary of however is…
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Barclays Gold Credit Card for Balance Transfer
Hi there, I've just got off from the credit expert site and checked my credit score .... Jeez (show surprise on face) my credit score has gone down. I am seriously shocked, [bit of back ground]because I have two credit credits, one I pay in full each month and the second has a greed pay plan on it which will come to an end…
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When should I apply
Hi. I did apply for halifax cc( got accepted with 3k limit 20 month deal) in August to do balance transfer from barclayard which I closed at 17 February 2012 ( There was 8k limit). So my question is when should I apply for a cc for purchases because obviously I don't want to use my BT card for purchases
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cash withdrawal woes
ok here is the story 1 went to withdraw money from credit card at cash point, it didn't dispense the money, it swallowed my card 2 i went home, called the cc company who said that according to their records it had been dispensed, not sure how they could tell that i was there and knew it hadn't! they said to wait 7 days to…
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Barclaycard 'Can't do a transfer - no offers'
First time I have ever seen this on any cc account. Is it normal? OH's (2) Barclaycards are old Egg ones. One carried a nil balance, the other was £25 in credit. They haven't been used since they were issued as the Egg replacements. He logged onto his account today just to check things and under the BT section there was a…
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COOP doesnt accept my tesco credit card
Within the past month, in 2 differnt COOPs my tesco creditcard was not accepted at the till, but my tesco credit card works everywhere else. Anyone an idea why?
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Balance transfer question
Hi I'm new on here, so apologies if this has already been posted or if there is a thread somewhere already. We have a large amount of debt (26k) - mostly on credit cards and a little on overdraft. We have been moving it about to differing 0% cards. We have 2 barclaycards which we are able to get 6.9% for life of balance…
