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VISA chargeback AND a refund...
Hi I bought a jacket online on what turned out to be a very dodgy site. The jacket didn't arrive, the tracking number was wrong, and then two refunds didn't go through. I gave up with the company after loads of contact with them and broken promises to refund my money, so started a VISA chargeback with Nationwide. I checked…
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is it likely i'll get rejected?
Hi all, just looking for a little advice about applying for a credit card. I've got 1 credit card and 3 overdraft accounts that I'm pretty much up to the limit on all accounts right now, I have been unemployed but I'm starting job on the 21st which is £23,000 p/a I am looking to reduce debt, but I have no money to get me…
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Which Credit Card for Car Hire
I don't have any credit cards - never have but this summer we are going on holiday to France and want to hire a car whilst we are there. I've heard that the process is a whole lot easier if you have a credit card so am thinking about getting one soley for that reason and do not intend to use it for anything else, unless I…
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Balance transfer question
Sorry if this is stupidly obvious but can anyone help me with this question please? I have a o% deal on a credit card that is due to end in a couple of months. I have spoken to the supplier and they have told me that there is another 0% offer on the card for a further 14 months. Can I therfore balance transfer the…
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Amazon credit card
Hi, I wondered if anyone had any knowledge of this card at all? I was thinking of applying for a credit card as I haven't got one and would like the security of paying for things on a credit card. I'd use it for everything and pay it off va DD. I was tempted by this card because of the Amazon points scheme, I use Amazon…
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MBNA (AA) credit card sleight of hand
A while back I took out an AA credit card, made a single purchase and really didn't pay much attention to it, and just made random payments off my balance on the assumption that it would cover it more or less. (I don't normally manage my finances like that - it was just this particular card, so please don't flame me.) Some…
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MBNA cards - a warning
Just to let everyone know who uses their 0% cards, MBNA ruthlessly applies its T&C and will use the rules to charge a hefty interest fee, should you, for instance, be late with a payment for whatever reason. On the rare occasion in the past this glitch has happened to me, the issuer has been flexible. Not MBNA.
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Holiday Payment
I recently booked a cruise holiday for October this year but I have realised that by paying the £500 deposit by Debit Card and not Credit Card (as there was a 2.5% fee to use the Credit Card) that we do not have the same level of cover if Cruise Line or Travel Agent goes broke. We have to pay the final installment of £3200…
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Capital One Classic Extra
Don't know if anyone has seen it yet but Capital One have got a new card for poor scorers. 0.5% Cashback on all purchases with £5 to get you going? 34.9% APR. not bad at all tho if you clear in full. http://www.capitalone.co.uk/creditcards/classic-extra-credit-card.jsf
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multiply Hailfax cards
Hi I wanted to aks if you already have a Hlaifax card are you allowed to apply for a different one, whilst holding the existing one? Or am I to assume you can only hold 1 Halifax card and possibly 1 BOS card Thanks
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best deal for borrowing credit card or loan?
wishing to borrow £10000 would it be better to borrow from the likes of Sainsbury's or would it be possible to borrow this amount on a 0% credit card , make monthly payments and then switch in 18 months? Advice welcome thanks
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Asda/Santander and Section 75
I have had a floor installed [by a local supplier] and it is unsatisfactory. [The supplier so far has not resolved the issues to my satisfaction] I paid several hundred pounds by [Asda] credit card so I phoned Santander, who act on behalf of Asda, to ask them about the procedure for chargeback. The agent stated there was…
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which account
has any bank got any offers on at the moment... where if you but so much in you get a lump sum in, or when direct debits come out you get money?
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CCard vs Loan Pay Off
Any advice on whether I should be settling either (a) a ccard balance of about £8k which was on a 0% transfer deal which ends 30/5 or (b) a loan which has quite a while to run but could be cleared for less than £10k? I was planning to ccard transfer again if I was accepted ... but now I wondering if it's the best thing to…
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Overseas cash
Hello, I understand that if I use my credit card abraod to withdraw cash from an ATM abroad, I'll be charged interest on the amount immediately (note I have card with no fee for cash withdrawal). My question is this: if I go back to my hotel after this withdrawral, log in to my bank, and pay the withdrawl amount off my…
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What does the term "payment due by"?
I have a Yorks visa card and when I go to the York bank and pay the credit card payment by cash it is credited to my credit card account straightaway. If my credit card statement says payment due by 11th of month does that mean I can still pay my credit card ON the 11th as it credited straightaway if I pay into a Yorkshire…
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BoS credit card default
Hi, I got into trouble in 2003 when I defaulted on my debts, and arranged to repay an amount monthly for all of them. All were fine with me, and stopped interest and charges, except for BoS to whom I owed £900 on a credit card at that time. They accepted my monthly payments, but continued to add interest plus a 'late…
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How to get credit for a credit card?
Hello everyone, I am wanting to build up my credit- so wanting to get a credit card. The only thing I have is Vodafone contract- missed my payment once ONLY and had it nearly 12 months. I also don't really know how they work (please don't call me "stupid" "immature" or some other childish comment- it isn't wanted or…
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Thousands back for Credit Limit increase without notification
Hello I had a phone call yesterday to say that I could claim back thousands of pounds for a credit card I used to have with Barclays. Barclays increased my credit limit without me knowing which is apparently against the law. This was a few years ago. This company (can't remember who they said they were) said that I should…
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Interest on closed accounts
Last year I fell behind with my credit card payments. Eventually Natwest sent me a letter informing me they had closed my credit card account and set me up on a payment plan to pay off my balance. However I am still being charged interest on the outstanding balance?!...Is this right??!! Can they still charge me interest…
