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Freedom card - What a joke of a service!
I have ordered a freedom eagle card (prepaid) mainly to build up my credit rating on the 25th of Jan, and have yet to receive my card! I have phoned their crappy customer service line but to speak to the customer service noobs, you have to enter your 16 digit card number and ofcourse, i couldn't enter this because i…
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Re-opening / new application for Virgin card
I closed my virgin credit card account last year as the 0% term had ended and they didn't want to help with a better APR and I having trying to find out how long I have to wait before I can apply for a new card that entitles me to the 0% rate again. Been looking everywhere on their website but couldn't find it. Any ideas?
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Which one to overpay?
Which credit card would I be better overpaying, one where the interest rate is 18.32% but I pay 2.5% of the balance every month or another card where the interest rate is 17.95% but only 1% of the balance is taken every month?
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Lloyds Mastercard refusing section 75 refund
we bought a bed and a mattress from a company called your furnished - the bed broke and the mattress is faulty. We did complain to them but Communication has now broken down with them directly and they are refusing to do anything about it. We have now claimed from Lloyds under section 75 - its about 900 but Lloyds have…
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Warning:Careful paying back early on Barclaycard
I went on holiday and the foreign ATMs threw a wobbly at my bank card. Stuck for cash I did a cash withdrawal on my Barclaycard for £900. The interest rate for this is around 30% plus a fee so it's not cheap but it was all I could do. On returning to England I transferred the £900 onto my Barclaycard straightaway from my…
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Applying for a CC
I recently decided to apply for a 0% for 18 month CC (To use to pay of my Next account which is at 15.99% APR and has £600 outstanding on the account) and was rejected. Freaked out i have checked my credit report and found a fair few errors (hindsight I should have done this first!). I am in the process of getting these…
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Two different rates on credit card. Which one will be transferred?
Hi, I am thinking about carrying out a balance transfer to my Halifax credit card which already has a balance on it which is on a promotional rate of 5.3% for the duration of the balance. However, Halifax have sent me a new promotion for 0% for 9 months and then after that the normal variable rate of 9.95%. If I transfer…
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Claiming against a PPI policy refused
Hi, I've been paying PPI on an RBS credit card for a couple of years now, and not an insignificant amount. In January, I was made redundant and set about getting new employment. I was fortunate enough to get a couple of months salary as a severance when I left and consequently didn't register for unemployment straight…
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credit card help
hi im woundering if anyone can help. In October 2011 my partner payed off her credit card IN FULL . a week later 1.27 pence got added as interest . As she was on paperless statements she didnt know till a letter came through the door in January demanding 1.87!! Of course we payed it straight away but our argument was about…
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MBNA & Virgin
Hello, Is it possible to hold both these cards? I have zero balance on the MBNA but would like to take advantage of the virgin money cc. Thanks
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To close or not to close
Hi, Just looking for your thoughts on keeping credit card accounts open or closing them. I have 3 credit cards which I occasionally use, Natwest, Barclaycard & Virgin, I was wondering if I should close 2 of them & just keep 1 or keep them all open incase I needed them & was unable to obtain credit in the future knowing how…
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Changes to Capital One ( May be what you have been waiting for )
So as some of you know policy changed so classic users could apply for a progress. Well today i went on site and clicked progress, click and world card and they ALL have a new thing to apply if you are already a customer. So it looks as though you can now apply for them whilst already a customer where as it used to only be…
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Money borrowed on Credit Card and given to friend
Do i have rule 75 protection if I borrowed money on my credit card and lent it to a friend?
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Burton Store Card Advice
Hi All, Sorry If I havent posted in the right area, but I am after some advice. Over the weekend I was stupid enough to sign up a Burtons Store card thinking it was like a Tesco Club Card...long story short. I am looking to cancel, as soon as the card arrives. The form says to write to them or call Customer Services, I…
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Halifax credit card
The online service is down and they cannot say when it will be up and running. Even when it is working, I find their online system to be poor and difficult to use.:(
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Capital One 5% Cashback card - University Accommodation Fees?
Hi, I have to pay £5000 for my accommodation at university this year. If I took out this credit card and paid these would I get 5% cashback? Thanks
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Possible new "Holiday Credit Card"
Had an email for a change to the terms for my Barclaycard simplicity card. In it, it mentions that "non sterling cash withdrawals" will be part of the interest free 56 day period if you clear your statement balance. Although you still need to pay the 2.99% exchange rate fee, it could be useful for people to withdraw the…
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TD Financial Services (The Premier Designs Credit Card)
Long story short, I was suckered into the mlm company, Premier Designs, when my lovely and wonderful aunt pressured me into it. When I signed up with the company I was encouraged to open an account, the "Premier Designs" credit card, which is serviced by TD Financial. They.are.horrible. H-o-r-r-i-b-l-e. I have LITERALLY…
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Barclaycard gold credit limit
Hi i applied for a barclaycard gold credit card which was accepted a few days ago, within the application i applied for 2 balance transfers at a total of £2300. I just called barclaycard 15 mins ago asking if the balance transfers are accepted and what my credit limit would be as i dont want the card if the balance…
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M&S vouchers..?
Just received a couple vouchers from M&S through the post as i'm a new customer to them. One says earn 300 points worth £3 on clothing & home The other is a 200 point voucher on food. Are these vouchers only to be scanned with spending within a M&S store? I don't see anything on the voucher which says this is the case, but…
