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Missed payment!!
I paid off my Natwest credit card in December and was told by the operator it was closed. When I logged into my other natwest accounts I could no longer see the credit card account. I today receive a letter saying I missed a payment and the balance of my account was £5.00. I explained I thought the account was closed but…
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Applications failed
Hi all, I'm trying to balance transfer £3000 from my barclaycard onto a 0% bt and 0% purchases card. I tried Halifax - denied. I then tried virgin - denied again. I have a loan, a mortgage, CC, some DD's and a mobile phone. All of which I manage very well, and have never faltered on one of them! I know the CC companies…
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Do you think I could get a credit increase?
I've had a credit card with Vanquis for aroun 8 moths. I'd like to think I've been a good payer & also payed the credit card of in full as well as always paying over the "minimum payment" when I was accepted for the card I was told £250 limit when I got the card through it said my limit was £500. 1) do they credit check &…
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Upgrading my Barclaycard
Well 3 years ago I had a very poor credit history and most of the time my application would be rejected so the only successful application was Barclaycard Initial with 29.9% APR. Later on, I started taking care of my credit reports and last year the credit score was showing in Fair range. So I applied for Halifax All in…
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No reply = Not accepted?
Hi all! I applied online for a Barclays Initial credit card (my first credit card). I then received a letter saying Barclays needed some more information in the forms of proving my ID. So I sent these photocopies off nearly 3 weeks ago and I haven't heard anything since. Am I expecting things to happen too quickly or is…
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Messed up my Credit Rating,Help Needed!
A few years ago I completely messed up my credit rating, well in April 2008, I defaulted on a credit card ( I wont go into why but I was pretty messed up at the time!). Since then i haven't been able to get any credit cards until last summer, when I managed to get a Capital One card designed to rebuild a credit rating (and…
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How do you use your card? Advice please!
:) Hey guys I know this is going to sound a bit daft, but I am determined to pay off a credit card debt of 1900 this year, and also to learn how to live within my means at the same time. I have a new credit card with a limit of £500. I want to use this card sensibly each month to build up a better credit history. Each…
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Receiving a payment from 3rd party?
This may be really simple, but I can't figure it out for the life of me! What we're trying to do is move £1500 from my partners CC into my current account / whilst incurring the minimum fees. How can this be achieved (we both have Paypal accounts of that helps!) Cheers, Nez
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Existing Providers Not offering best deals
HSBC best transfer for credit card deals. :T Only for existing customers of HSBC. :drool: Only if you DO NOT have an existing Credit card. :eek: WHY do companies give the best deals to customers who are anyone who is not their loyal customers. It is sooooo annoying! :mad: All I wanted was a ggood 0% transfer credit card…
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Electoral address wrong / Tesco CC application
Hi! Was hoping to get some advice from you kind folk :) who might have experience with this sort of thing. Just been knocked back by Tesco Credit, received an online 'no' and a follow up letter in the post today. Really gutted as I ran through the ten check boxes to see how your score *should* be, and it was looking good.…
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Credit card advice please
Hi I have two credit cards. The halifax one which has a limit of £1000 of which I currently have only £37 left. I also have the Santander credit card with a limit of £3100' im over limit by £17.22. The interest on the Santander is 21.9 and on th Halifax 17.9. I'd like some advice on th best way of dealing with these two…
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Legal protection on a credit card?
Does anyone know if any credit cards come with free legal protection. ? Thanks
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Would it affect my credit score to apply for two cards within a month or so?
My husband has stupidly high car insurance, which at the moment we pay monthly, but we could save around £400 by paying it all off in one go. My plan was to get a 0% credit card and pay it off over a few months. My husband really does not want a credit card in his name, so I was going to get it in mine. I already have a…
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Credit card payment
Hi All - quick question. Can I pay an individual with a credit card? A friend booked a holiday and I'd like to pay her with my credit card, as she's paid for all of it. If so, how do I do it?
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Closing old accounts - good or bad?
I'm in the process of paying off several credit cards and have my debt firmly under control but over the years i have built up 12 accounts, 8 of which i haven't used for years but i have around £15,000 in unused credit sitting in them. I have read on the Experian site that closing old accounts is a good idea as it limits…
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my credit report doesn't show aall the debts i have
Hello there, I just received my credit report from experian and it doesn't show all my debts.Three old debts from credit cards gone???How can I get the true credit report?Thanks
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Duplicate online transactions
Hi all. Twice now with different companies, I've had a transaction that showed an 'error, unable to complete the transaction' message on screen. Only to find later on my CC statement that the transaction DID complete and because I did it again - because of the error message - now have two transactions. One of these was for…
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Capital one world mastercard application
Hi, few days ago I made an application for their world mastercard that offers cashback. I got 3 green ticks and signed the agreement online and was given reference number advising that will be in touch within 5-7 days. I rang them today quoting reference number and they said my application was with their fraud? team in…
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Virgin C/C APR going from 16.8% to 24.9%
Just received a letter from Virgin that my C/C rate will jump from 16.8% to 24.9% for purchases from May !!! :( Either accept the new rate OR refuse it and pay the card off. I have 4K outstanding on it due to urgent car repairs and a wedding in St.Lucia. Do I accept the new card rates and keep it for emergencies OR call…
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Balance Transfers
Apologies if this has been answered before. I currently have a balance of £3,475.00 sitting in a Barclaycard at 0% until March 2013. I have a couple of other balances totalling approx £1,850.00 at 17.9% on other cards and Barclaycard are offering 6.9% APR on any further balance transfers. If I transfer these to my…
