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Impact Of Multiple Credit Card Applications
Before i applied for a credit card last year in december, i had very limited Credit history.I Applied for Vanquis in January and was approved. 2 weeks ago, i decided to try out Multiple Credit card applications all in the same hour.I started with Barclaycard,then Aqua, Capital One and Santader 123 card. I had read…
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Halifax Clarity - Cash Withdrawal Abroad vs UK Exchange
Hi, sorry if this has been answered somewhere, I've scoured the forums and can't find a specific answer. My query is basic. We're off to Disneyland Paris in June. We've put aside £500 of spends and I'm taking the Halifax Clarity card also to pay for purchases where I can. Discounting reasonable fluctuations in the exchange…
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balance transfer for cash?
Hi, ive just applied for a halifax 0% balance transfer card but am wanting the balance transferred into my bank account (to buy a car) not to pay off another card. Is this still possible? i did this years ago but the apllication form this time only wanted to know about other cards.... TIA
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Double booked hotel on credit card
I recently purchased a hotel for 5nights through agoda using my credit card and for some reason I've booked the same hotel twice and been charged both times. The hotels policy is non refundable how could I have possibly booked it twice. Can I phone the credit card company for help.
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Aqua Card Help
Can anyone answer somethign for me? I have fallen behind with my Aqua card due to my partner being made redundant now they won't set up a payment plan without going through a full expenditure and income with me, even down to what I pay in busfares each month. Surely they can't be privy to all this information? I really…
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Cancelled Credit Cards Still Exist??
HI All I applied for Natwest card and got one but got a low limit (considering salary). The Customer Services rep asked me if i had any existing credit cards and i don't. Then i mentioned that when i called Barclaycard for a new card they told me my card was still on the system but "deactivated" and would i like it…
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Please can someone how a credit card work for a complete layman?
I may be a little naive, as I have zero debt(excluding mortgage), I've never had a credit card before and I haven't the foggiest of how they work. However, this year I am setting up a business and need a investment of 10k. I have 20k saved but as I am setting up a business I wouldn't mind saving that for a rainy day and I…
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Help, credit rating awful due to Littlewoods
Hello Back in September I bought a pair of jeans from Littlewoods (I was £17 in credit with them) and I needed to pay £7 in order to cover the rest of the cost, I entered my debit card details and thought it was all done with there. Obviously, I received monthly statments each month, but as I assumed I had paid that seven…
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Security - LloydsTSB Mastercard
I kept getting phone calls yesterday purporting to be from LloydsTSB fraud department, saying I should urgently phone a number they gave. The messages were automated, in a kind of American synthesised voice. I naturally assumed this was a scam - reputable banks don't do that, and certainly don't invite you to phone a…
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Am I protected ??????
Hi folks. I'm buying a new car from a dealer and wanted to know if I pay the balance of £2000 on my credit card does this give me any protection. I have paid a £200 deposit in cash. My card has 0% interest on it so am thinking its cheap finance for me although the car dealer says I have to pay 2.65% card fee ( about £60)…
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Credit Card limits and Mortgage?
Hello, Just after a bit of advice re managing current credit with the aim of getting a mortgage next year. I have just finished paying off a barclaycard credit card, and I'm now left with a £6100 credit available. The question is, if I want to obtain a mortgage in say a years time, should I; a) cancel the card b) keep the…
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Looking for card with pdf statements, secure messaging and long interest free days
I'm waiving goodbye to Halifax and Barclaycard for credit cards. Can anyone recommend a card provider who has the following : Online management (no card reader or mobile required) PDF statement download Secure messaging online 59 days or so interest free days I have discounted MBNA Barclaycard Halifax
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Keeping CC limit on cleared card
Hi all, now i have paid off my MBNA CC id like some advice on how to keep the limit (£6.1K) I am not intending to use any of my credit cards anymore apart from a few small transactions to keep them running and to show on my credit file. I would however quite like to keep this cards credit limit in case of a real emergency…
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Authorised user on card
Hi there, Question relating to this... if someone signs an authorised user form with a name different than their own... and spends a pile of money on the credit card... what can the main account holder do about this? Are they still liable for the spending? Can it be reported as fraud/unauthorised?
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Starting Limit
Hi, Ive been in the UK now a few years and building up my credit had been a slow process to say the least, I started off with a bank account no o/d or anything, and no credit. Even Vanquis and Aqua card would not touch me! Now I have 2 bank accounts a £4000 o/d and a £500 o/d (I use both) 2 Catalogues which both started at…
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Best credit card for buying my fuel ?
Hello, i'm currently a self employed delivery driver, and was thinking about getting a fuel card, however a few other couriers have said i would be better paying for all my fuel on a credit card which has bonuses ? Dont know anything about CC's as i have only ever had 1 before so was just wondering if anyone could…
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credit report address help
Hi Everybody, I plan to apply for a credit card , I have changed three houses in the last 11 months , only two of them are on my credit report , so when applying should I mention all three of them or the two that's are on the credit report. Thank you.
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Interest charged on new transaction
I have a balance transfer with Natwest, but had to use the card to pay my sons uni fee. I thought you had a certain time to pay before interest was charged, but there is an interest charge of £28 on my statement. Is this correct?
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what is the point
what is the point?
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Insurance on credit card?
I only get online statements for my credit card and to be honest, I never look at them, because I rarely spend on it any more so I always know what it's going to say, I just check the balance regularly online. I realised the other month though when looking at it that my minimum repayment was immediately being countered by…
