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Halifax taking FOREVER to process application?!
Morning all Has anyone come across issues with the Halifax CC app process? Any tips on who to speak to, best number etc? I am pulling my hair out. The online app took 2 mins and the docs came in the post within a few days, but now I've got to the 'ID stage' and its like I've hit a brick wall. There was no way I was sending…
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Nationwide Select vs Halifax Clarity (Credit Card)
I've currently got both, but considering getting rid of the Clarity as they are refusing to up my credit limit, even though other providers have now problem doing so. Before going through with the cancellation however, I just wondered whether there are any benefits you can get on the Halifax that you can't get with the new…
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Money transfer
Hi, Im not sure if this would work, sounds simple but im maybe not thinking it out properly, any advice appreciated. I have been offered a money transfer on my mint credit card of 0% until March 2013. I am paying interest on a balance on this card. If i was to money transfer into my current account the amount i was due (my…
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My wife and I applying for separate credit cards
I am hoping someone can help! Is it possible for my wife and I to apply for separate credit cards from the same institution at the same time? The interest free period on my current credit card is ending in June 2012, so I am looking around for a new credit card so I can transfer the balance. I made a 'soft enquiry' last…
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Reclaiming money from visa debit, company bankrupt
I was looking for some advice/help regarding air tickets I purchased with Hungarian airline Malev in early January this year. I purchased tickets for 500 euros for a trip in November 2012 and shortly afterwards the company went bankrupt. The tickets were paid for with a Visa Debit card (not a credit card). I made a claim…
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Cashback from Egg/Barclaycard
Just got my cash back from egg/barclaycard yesterday £192 :0) woooop!!!!:j:j:j:j:j:beer::beer::beer::beer:
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% Help Please !
Could one of you savvy % guys tell me what the % figures below equate to in APR ? Thanks :beer: Both Monthly Rates . 3.433% 2.839%
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Santander 123 credit card
I've noticed today on my online account that one of my offers is a 123 card. It states that it's "Acceptance guaranteed". However, when I click on the offer, it opens up a page for an e-saver? Has anyone else had the offer and the same problem? Also, as it's on my offer page, does guaranteed mean what it says or would it…
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Credit card help?
Hello. I am almost 22 and would like to get a credit card. I was offered the capital one secure card, with a £200 deposit - which I do not want to do as I do not want to tie £200 of my money in a credit card, I may as well get a prepaid card. I want a card to improve my credit rating as when I was 19 I was silly, I had a…
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Decreasing credit card limit improve credit score
Hi there Would decreasing my credit card limit from £5000 to £50 improve my credit score? Based on the theory that I have more 'credit' available overall. I don't actually use this credit card anymore but I have another one thats maxed out. Also if I asked for an increase in my limit - would this change my score. Finally -…
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Worthwhile? / How to know what credit limit I'm likely to get?
Hiya Have been looking into / considering stoozing, but am unsure really if it will be worthwhile! So far, it looks like the best easy-access savings would 3.1%, and I can apply for a 0% for 15months card from M&S First of all I'm unsure whether to apply for the card, as I don't know if a) I'll be accepted, though…
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Why would they change my interest?
Hi, I'm new here! I have a credit card with HSBC and the balance is £420. It has a £500 limit and I've had it for a couple of years and not paid it off. Just because other things seemed more important, like reducing my overdraft! But they wrote to me today and said that they are changing my interest and that this is…
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Credit check default requires update
Hi All, Bit of an unusual question but I recently got my first free credit check from Experian a few days ago and noticed an old credit account I defaulted on and settled still has 'default' status where other accounts I had similar issues with are marked 'settled'. I then noticed a template for requesting status…
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Career development loan for my son
I transferred a balance to Natwest in August with 18 months 0%. My son was rejected for a career development loan to do a masters degree, and I agreed to help him fund it. Since I am over my initial 3 month period for transfers, I can't use my Natwest card. I am thinking of using a Barclaycard account that has been clear…
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Halifax Clarity Card - can you avoid interest on cash withdrawals overseas?
If you pre-load the card with funds before you make a cash withdrawal overseas (I know you're not supposed to do this, but you can), will you still be charged interest? I kinda figured you wouldn't be charged interest if your card was always in credit, but you never know. Thanks.
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Costco Amex - What's a "Travel Retailer"?
On my existing Amex statements, my local BP garage shows as "Travel>Fuel" on the category bit when I buy petrol. Does anyone know if this means it would be eligible for the larger cashback on the Costco Amex card?
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Whats the best airmiles credit card?
Hi all, I'd like to get a new card for gaining airmiles (that I intend to pay off every month) Its hard to get a side by side comparison on who each airlines schemes compare - the points seem to have different values. Can anyone give me some advice on what they consider the best deal? The 3 scchemes im looking at are…
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Info Needed
Hi I am getting married in may and i will need to get a small loan (£1500 - £2000) so that we can go on a honeymoon. I have been looking on here for some advice and everything i have found with regards to small loans points me to a credit card. My problem is I'm not too sure which credit card would be the best to pay for a…
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what should i do???? advice needed
hi thanks for reading. i also put this in the debt free section but thought it might be better in here i have got myself into a lot of debt on credit cards, no need to go into details but usual general things. i do have 14,000 in savings in the bank. i have 3 credit cards 1. 5000 17.5 % 2. 3000 17.5% 3. 3000 0% total…
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prepaid cards - benefits? realistically what is the point?
as above, I've never really understood. Just seems like a "charged up" debit card to me that is trying to be a credit card but without any of the benefits like S75. I have been lead to believe that they can be good for credit history as they appear as a satisfied loan after a year? other than that, would there really be…
