-
Rebuilding credit
Hi all Sorry if this wrong place but just after some advice. I'm now on slow journey back to rebuilding my credit and have now received my Capital one secured card credit limit £200.00 and I've also applied for Simplybe account with credit limit of £150.00 I have been reading through quite a few threads and it seems best…
-
Present credit card balance lower than statement balance because of refund
I normally pay my credit card balance in full each month (apart from when I have had interest free offers on purchases). My last credit card statement balance was £1950 (major work on house requiring bigger spend than normal!) However, since my statement date I have had a refund of £150 for items I returned. Do I still…
-
***HELP NEEDED*** Lloyds TSB Credit & Debit Cards in the US
We are currently on holiday in the US, four days into a two week trip. I went to use my Lloyds TSB debit card in a baseball hat shop at an outlet mall just outside Philadelphia. My card was declined so I paid in cash and got on to the phone to Lloyds TSB. I had already been to my local branch prior to the trip to advise…
-
Halifax- Apply today for your Guaranteed credit card
Is the card actually guarenteed? This offer appears on my online banking page. On the next page it says: 'Apply today and we guarantee we’ll accept your application.*' '*Please note that the guaranteed offer is only available to selected customers who have recieved a personal invite. It is only available for a limited…
-
HSBC Credit Card unemplyed and cant pay
Hi, I have been unemployed for a number of months but have not yet signed on - will do next week (been reluctant to do so as thought i would get new job easily). I have a HSBC credit card of about £6K debt and only a few hundred pounds in the bank so clearly I can no longer pay any amount to them (I have being paying min…
-
Declined credit card - should I appeal?
I have just applied for and been declined a Santander credit card (22 months 0% interest). I did paid for an Equifax report, which was good. I have no outstanding or late payments or bad debts. The only thing that could have gone against me is that I have had three addresses in less than 3 years. I sold my house, because I…
-
Is this call from Barclaycard?
While at work today, I missed 8 phonecalls from 0845 351 2259 When I googled the number to see who it was pestering me, it seems to be that it's Barclaycard...? Is this a legitimate number for them? I also yesterday received text messages alleging to be from Barclays asking me to verify transactions including one of £1800…
-
Unable to pay Credit Cards
Hi everyone Not sure if this is posted in the right section but i'm after some advice if anyone can help me. I have very stupidly racked up over £1,000 debt on one credit card and £900 on another. I said i'd always pay off the full amount each month and use the cards as "credit builders" but obviously I haven't. Now due to…
-
Barclaycard (Egg) BT Query
I've got £8.5k outstanding on an HSBC credit card, not sure what the APR is but minimum payments are around £215. I'm looking move as much of this onto 0% interest asap. I've just paid off the balance on my Barclaycard so have a £0 balance now. On my online banking under offers Barclaycard are offering a 6 months 0%…
-
Best Card - Overseas/0% - not nationwide
Morning, Just looking into getting a joint 0% credit card between the Mrs and I for our trip to Vegas, where we will be buying her wedding ring. Neither of us are Nationwide customers (which currently has best foreign spending). She is getting a ring from tiffany's and it is cheaper and better exchange rate by getting it…
-
paypal credit card
Hi So I had the paypal mastercard which apparently has ceased to exist but have received a partial refund to the card for an item I bought. I have received a statement through the post from santander that I am roughly £18 in the credit. Is it possible to withdraw this? Can I still use my paypal credit card online and use…
-
Where do i stand with blatant breach of conditions
Hi everyone i rang barclaycard yesterday as i found out my direct debit had failed on the previous payment, When i rang them they told me the direct debit was claimed on the 30th April when the payment was only due on the 4th May. after telling the lady that that was the problem and they had tried to take the payment too…
-
My credit card balance transfer story
I thought I would relate my credit card story. I don’t need any advice but hopefully this may be of some use to others. I finally resolved this myself without resorting to the Financial Ombudsman but only just and its taken over seven months to do so! Basically I had a Santander credit card with around £550 on it. I took…
-
Interest free period?
Hi I spent £600 on my Halifax clarity card last month. I paid £500 of this off 3 weeks after I made the transaction leaving £100 to be paid off next month. I got the statement through today and was surprised to see I've been charged interest on the whole £600. I thought you got so many days interest free (56 days?) before…
-
Which card next?
Deleted.........
-
how can i work out my interest on vanquis
I havent got my statement yet but paid off quite a bit last month from my Vanquis card and spent a bit. The monthly payment was made on the 9th of £36.76 and the balance is now £791.61 with available funds of £419.61 They seem to be on the slow side to let me know what next months minimum payment is going to be. does…
-
Balance Transfer
Hi I have a credit card with 6K limit and a car loan outstanding of 5K. I am planning to pay off the car loan with the credit card and then balance transfer the outstanding to a new credit card. Can I do this? Is there anything I should be aware of? Thanks
-
Possible fraud on my credit card?
I've had a few missed calls - 0845 numbers on my mobile this week. Today I answered one of them, an automated call claiming to be from my credit card advising me to ring an 0845 number re: possible fraudulent activity on my card. I didn't do this, but rang the number on the back of my card instead (about an hour later from…
-
Arrangement to Pay (Balance to transfer)
Hi I recently performed a credit check on my file and it shows an 'Arrangement to Pay' A similar point was made here but never resolved. https://forums.moneysavingexpert.com/discussion/3093888 I performed a balance transfer moving the debt onto another account but I have never had an agreement to have a lower amount paid?
-
MBNA Cash Back Credit Card
I had an A&L cash back card which was transfered to MBNA in October 2010. I 've just received an annual summary & saw no "Cash back". Wanting to find T&Cs I looked on MBNA web site but could not find a cash back card. I phoned & was told that cash back is not paid until the cash back sum is £10 or more in a year. So with a…
