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Can't find good cashback card?
Are there any cashback cards available that fit into this criteria? 1. Don't need min come of £20k 2. No annual fee 3. Don't need to set up a current a/c with the card
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Credit Card Cash Trick!
Hi guys, Just had a little idea and needed some advice on it. Basically I have a credit card with a £250 limit. Now i also have an uncle who owns a store where he accepts credit and debit card payment. I was wondering is it possible to charge my card with say £100 on the chip and pin machine. Take £100 from my uncle in…
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banking gone crazy.
I Have just recieved a letter from Halifax saying they are going to increase my apr from 15.9% to 20% i rang them and asked why and they said its because more people want to lend me money or increase my card balances that makes me a greater risk to them even though i have a 100% credit score so be warned if you are asked…
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Best Long term credit card cash back card
I was after a credit card which has a cash back offer, not one that only last a few months, more long term high percentage.
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Flybe Taking Off ?
Returned from a short break to find a letter from Flybe CC aka Sygma Bank aka Creation Finance informing me of rate changes to my CC details below ................ Purchases Existing APR 25.9% New Apr 29.9% Cash Advance. ^ ^ ^ 32.9% ^ ^ ^ 34.9% BT`s ^ ^ ^ 25.9% ^ ^ ^ 29.9% Question : should i kick this card into touch by…
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Credit Card query
I have 3 credit cards Halifax 1800 Barclays 750 HSBC 750 I dont have fantastic credit so I can't move them to a 0% interest card for now. So would it make more sense to clear the Halifax card first or try clear the smaller cards first in the hope that by doing so I can balance transfer the Halifax card to a 0% card? All of…
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Halifax.... Grrrr
Could do with some advice please.... I applied for a Halifax Credit Card (wanted to transfer a balance) and got a rejection letter back. The letter was however sent to my old address that I moved out of 2 years ago. I called Halifax and they confirmed that the application had been processed on my old address, and because…
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Argos Card..
Hey all! I'm after a new TV, Argos have one I'm after for an alright price. They advertise their card with that kind of product for the 0%. Is it hard to get? I'm 19, credit history since 10/10 with 2 Cards and a phone contract. 1 recent search.
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orange prepaid card
Hello, I'm not sure if this is the right section. But when you get 500 points, it says you get £5 credit. Is this an actual £5 to spend on the card or £5 phone credit? Also what is an ORL voucher? Thank you.
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vanquis credit card help!!!
Hi guys Need some advice. My vanquis credit card statement is produced on the 2nd of every month. On the 2nd of may the statement had come through for £0.00 as i had not bought anything. Now i used the card on the 2nd, 3rd and 5th of may and was wondering whether i would have to pay of these balances this month ie 27 may…
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Cashplus interest free overdraft.....seem good?
Hi, I have a cashplus Mastercard that I have the creditbuilder plan on to help my credit score, I am approx 7 months into this. They have offered me an interest free £100 overdraft facility on the card, for a 1 of setup fee of £20 (for 1 year usage) and a charge of 50p per day for the time you are overdrawn, so potentially…
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Should I cancel all my old cards ?
I've just been declined a new card !!! LOL Never been declined ever !! I have over the years had several 0% cards and paid them all off within the year, and opened another. I've been through pretty much the list of ones Martin always advises about. My current one - Sainsburys ran out in March, and I wasnt actually going to…
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Tesco CC Fraud Dept.
Had an ID theft issue with Tesco CC. Called them to try and resolve, but as I did not make the application (in my name) the customer services dept will not speak to me and I need to speak to fraud dept. They only work 9-5 and are closed weekends and bank holidays. Looks like some scally could be going on a 5 grand spend up…
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Need advice about credit cards...
Hello, I am looking to get a credit card. I applied for one with tesco bank a few days ago and got declined due to credit scoring. I have recently checked my credit score with experian and it was fair at 755. I have 1 store card and 1 credit card already. I want a new one for the 0% balance transfer for 16 months to…
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Advice: To switch or not to switch?
Hi Moneysavers, I'm looking for some advice really. After several years of being foolhardy with my finances, at the start of 2012 I decided to get to grips with my debts (which were all maxed out) and pay them all off. To date my credit utilisation is: Comet/Santander - £0/£550 Ikea - £0/£600 Barclaycard @ 29.9% APR-…
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Need to amalgamate debts to reduce interest fees?
Hi I currently have an overdraft debt of £1600 and a credit card debt of £1200. My bank is now changing my account from a graduate account and thus the interest on the overdraft is going to increase. The credit card is currently 0% interest but this ends in August 2012. I am wondering whether it would be a good idea to…
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Help! Lloyds taking me to court and receive land registry forms!?
Can anyone help? Lloyds tsb are taking me to court over my credit card for £1800, asked the court to consider my case which will cost me £80! I was paying lloyds £20 pm but when I contested the balance as there were charges that they agreed were unfair I didn't pay them as the amount owed was in dispute-this may be an…
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Littlewoods buy now pay later not working?
I've been trying to use the buy now pay later scheme, on littlewoods which is available on anything over £50. My credit limit is £5000, and my current balance is only £400. The item I'm trying to buy on BNPL is £100. When I apply the code it says invalid code, and there's no box to click for BNPL. Anyone know why this is?
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Mum's credit card on my report. Employer credit check!
Hi, I have just checked my equifax credit report because I knew I would be subject to a credit check by a potential employer. However, I have found that my mum has a Natwest credit card ,with a balance of around £4300, showing up on my account and she has just had a late payment on it (Jan) :( I also have 2 credit checks…
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I've done something VERY stupid!!!
Decided to give Bonus Bagging a go and used my Vanquis credit card. Withdrew £230 and deposited £240. Should have been 40 quid more but I made a !!!! up. What I didn't realise is that Vanquis treat gambling as Cash Transactions which has a higher rate of interest (42.9%) and I think they charge this daily if I'm not…
