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positive balence on tesco credit card
can any one help me on this one. i have a positive balence of £170 on a tesco credit card due to a refund i've had on a faulty product. I dont spend a huge amount on the card so may be a while before this will be cleared by normal spending. does any one know if they can send a cheque to me for the excess balence? or is it…
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Credit card payments before minimum payment is due?
Hello :wave: If my credit card statement is produced on 16th of the month and minimum payment is due around the 10th of the following month, is it possible to pay small amounts that are less than the minimum payment in themselves (e.g. £1 a time), so long as I make it up to the minimum payment by the time it is due? The…
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Metrobank vs. N&P vs. Halifax Clarity vs. Post Office
I'm looking for a card for spending abroad but also taking over the duties here in the UK as I'm not really married to any cards I have at the moment (NatWest MasterCard, Debit, and Barclay's non-contactless). The best would be a credit card (just in case there's any problems) like the Halifax Clarity (was rejected before;…
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question
I have a Cap 1 card and a santader credit card,I need to spend £250 on a credit card,the santander credit card has aa 17 month intrest free on balance transfers,I have already transfered money from Cap 1 to santander,,can I use my Cap 1 card to pay the £250,then transfer it to santander,and it will still be 0% on that…
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An interesting read for anyone with Vanquis...
http://www.providentfinancial.com/files/pdf/vanquis_bank_investor_day_2011.pdf
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Santander cashback tracked- no decision yet
I applied for a santander 123 credit card via topcashback. The transaction tracked a day later with a £20.20 cashback, however I haven't received an acceptance decision from santander yet. Has anyone had any experience of applying for a santander credit card via a cashback site, and does the fact that it has already…
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URGENT: Capital One change of internal procedure for credit limit increase
Capitalone have changed its policy on credit limit increases via the phone. If you ring them up and ask to speak to a manager they will access your ability for an increase this is new, it started from yesterday evening Thank me if it works for you :)
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Jeez, every time I call my bank...
Every time I call my bank I am met with an over friendly individual who wants to start a conversation which invariably leads to an "off the cuff" suggestion that i might benefit from a credit card. Am I the only person that has this issue? Perhaps I might get through to them more quickly, without queuing, if they just did…
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Help - how do I pay off my credit card!!
:( I have £5000 that I need to pay off credit card and MBNA seem to suddently be charging me silly money if I've underpaid by a miniscule amount (£5 for instance). I don't have any problems in paying it off, never have had but really need to switch from them. Have applied for a couple of the deals on this website but they…
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Pay off debt with 0%
Hiya, I was recently speaking to a colleague of mine who gave me some advice when It comes to paying some debts using credit cards. I was wondering if someone could advise me? My situation at the moment is that I have £600 I have to pay off on a finance situation by June and a holiday that me and my partner have to pay by…
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Help understanding 0% Purchases
Hey Guys I have a Nationwide 17 Month Balance Transfer card that also has a 3 month 0% Purchase deal as well, the thing I need advice on is this. I have Balance transferred £900 from an old Debt (credit) Card, If I were to purchase something on this card but pay it back within the 3 Month 0% period will I still be charged…
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RBS Balance Shrinker Credit Card change of lifetime fixed rate APR - is this allowed
I have an RBS balance shrinker credit card which I have had for two years or so, the balance was on a lifetime fixed rate of 8.9% with a 2% bonus credit made to your card of the outstanding balance every 5 months, so more than 4% of the balance credited every year, so it equated to a 3.9% apr approximately which is great.…
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Opus - anyone received their cashback cheque yet?
I was just wondering if anyone on here had been using their OPUS Crediit card for the very reasonable 5% cashback they were promising on all spend to January 31st 2012? The original cashback statements said that we'd receive a cheque in March 2012 but surprise surprise, I've had nothing as yet. Anyone else waiting? I do…
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do Credit card companies get their money back?
I recently took out a complaint about a B&Q kitchen which was advertised as all exterior surfaces being solid Oak. This turned out not to be true and only the doors were oak the side panels were Oak veneer. When this was raised with B&Q the said that ak is not a product just a description. Trading standards did not agree…
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Credit card deposit refund
Hello all.. I made a purchase of a fitted bedroom but only paid the deposit. I then changed my mind and within the 7 day cooling off period. The company are refusing to give back the refund. Although legally I no I'm completely able to get a 100% Refund. Can I claim with MasterCard and get them to claim it back?? Any…
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interset free credit card
Hello Everyone I am looking for a interest free credit card, at the moment I am with Lloyd's tbs, but the credit free thing has run out, and I am now paying interest. The balance that I have at the moment is £1.500.00, and I pay £100.00 per month. And I would like to have a card without a transfer fee. As I was charged one…
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Daughter Wants CC - which one?
My DD wants a credit card. She had one from her bank but they closed it as she (hadn't read all the letters as she hadn't used it - ironic really!), fortunately I was with her and could pay on mine. What is best for a 22 yo with a job and a mobile phone contract (so some credit history) to go for? She is also considering…
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Santander 123 cashback card
Does your statement (online) show cashback amount for each transaction where it's available? I know nationwide cashback card does and I'm really hoping santander's 123 does simply for the fact that the places it's valid is really choppy so would be nice to see straight away it the cashback was valid at X shop.
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Credit Rating
Hi, I have already signed up to experian and equifax,Without me buying the score which i know is useless how would i know if i had a average or good credit rating? I cant see it anywhere. Thanks for any help. Janette xx
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Balance Transfer problem
Hi guys, I am new to sorting this stuff out. I had an Egg credit card which has since changed to Barclaycard. However, it has a £2000 debt on it. I applied for another credit from Barclaycard, the Platinum one. Hoping that it would transfer the balance from my old one to save the horrific interest. I got accepted but they…
