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Halifax Clarity cash withdrawal vs Credit file
Hello, So I have the Halifax Clarity in my "Abroad" wallet for spending whilst away. Now, I'm aware that you can withdraw abroad for free. But I have two questions: 1) It is believed that withdrawing cash on a CC is bad for your credit file and is recorded as an Advance, so how does work with the Clarity - does its free…
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Santander CC Application - How Long ? .....
Till you are informed wether approved or not ? O?H applied Mon 21st , heard nothing since , this usual ? Regards
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advice on improving credit ratings
In january i went to buy my 1st monthly contract phone (at £20 a month) from Tesco, having no experiance of credit or borrowing and not having a clue what a credit check was. After taking my details I was told that I failed my credit check and should contact Equifax:eek:. I was very shocked because I can definately afford…
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M&S Travellers Cheques...
Hi guys, just a quick bit of advice I'm after. I have previously had the M&S card, did the £4000 Travellers Cheques, paid them into my account and had the cash a few days later. I have since paid of said card, didn't miss any payments and have now (about 4 months ago) cancelled the card. So, can I apply for the same card…
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Have I got a claim
Here goes, Earlier this year (26th February) I purchased a 2nd Hand engine for my VW Golf from a breakers yard, in the midlands, which I had found on ebay. I made the purchase away from ebay and paid on my Natwest Mastercard (£384.00). The engine was delivered the next day and on inspection a few parts were damaged.…
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Employment Detail on MBNA Application
Hi, Recently I applied for a virgin credit card (MBNA) the application wasapproved initially but after few days I received a letter from MBNA fraudprevention which asked me to contact them. I did and they asked me to call backfrom my work as they wanted to check my employment detail. The truth is on my application I passed…
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Barclaycard Paytag
So, did anyone else get one of these through the mail? Does anyone intend on using it? :)
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paying loan with cc advice please
ok we have a car loan with nationwide at 6.6% and want to clear this with a 0% cc that we just opened with barclays. but want to pay the loan with my tesco cc (to gain the points) then bal trans to barclaycard. however the loan paperwork says you must notify them hat you want to pay in part (as we will to avoid early…
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Unhappy with your Halifax Clarity card interest rate?
Simply close your account and apply again after 30 days. Like many i was surprised to be given an APR of 17.9% last year despite having a perfect credit history - of course the interest rate is irrelevant for those who only make purchases AND pay off their statement balance in full but since many like me also use their…
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Previous credit card history
I change my credit cards frequently and now need to know what card i was using 5 years ago, to try and make a claim on PIP implants. Can anyone help?
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Best cashback / points card
We spend around £8-10k a year in the UK on shopping with about half that going through Sainsburys for groceries. Now Sainsburys offers double points for two years which is worth about £80 a year (when doubled) but does anyone else offer a better reward ? I should add we don't need any credit or balance transfers. We could…
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Question on bad-credit rating cards
Question on bad-credit rating cards If I get one (due to being in massive amounts of debt) If I buy food and work expenses on it, do I have to wait for statement to come through before paying off or can you literally pay the credit card off as the same day as purchase. Also – does anyone recommend a payment plan?
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Best card for £3000 balance transfer
Hi I currently owe £3000 on a vanquis card at 49.9% interest. I pay over around £200 a month which is the minimum payment plus at least an extra £80. I think my credit is fairly healthy now, other than the total debt owed, no missed payments or charges for over 3 years now. Is it worth seeing if I can get hold of a card…
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MBNA - increase in rates
Anyone any idea why MBNA have increased their credit card rates? Hubby has just received a letter telling him they are increasing the rate from 16% to 24% for purchases! The letter said to call if you were not willing to accept - he did. Account will be closed as soon as he pays off the balance. How can they justify a rise…
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Can I apply for RBS World Mastercard if I already have Ulster Bank Mastercard?
Hi folks, I'm thinking of applying for the RBS or Natwest World Mastercard for the slow stoozing - 18 months 0% on purchases. But... I already have an Ulster Bank Gold Card that I keep for its free extended warranty. If I'm not mistaken, Ulster Bank and RBS are linked in some way. Because I've already got the Ulster card,…
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First time credit card
I am a student looking for a first time credit card with a credit rating of fair...any ideas on which one to get?
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MBNA Card - Order of Payments - Incorrectly charged interest?
EDIT *** Sorry, subject says MBNA but it's RBS, momentary brain freeze! *** Hi all, I have an RBS Worldpoints card, I use it for day to day spending and clear in full every month - no interest charges - happy days. They offered me a 0% for 12 months on BTs and I had a large purchase to make so I ended up transferring just…
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Tesco online fiasco
Sorry if this is in the the wrong area... Tried to go online today to pa y my Tesco Credit Card. Good news they finally decided to add more functionality by changing the navigation of the site. Bad news, they have not added my Payment history and I have to add my dierect debit card details again as well as set up a direct…
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Section 75 Protection
Hi guys, Wanted some advice. I'm about to buy a car on credit card. I intended to pay the deposit (£200) using one credit card, and the balance using another credit card. The question is: If something was to go wrong with the car at a later date and I needed a Section 75 claim, would using two credit cards give me added…
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RBS YourPoints World card offered only 13 months interest free
On the about credit cards we are advised that 18 months interest free is offered by RBS and Natwest. When you click the link to go to the RBS page it says 18 months interest free. So I went through all the application process but in the small print on the contract terms just before submitting the application it stated 13…
