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Cash card issue for charity
Hi - I may not be posting this in the right section but hopefully someone can help. We are a national charity that gives small grants (typically £100-£300) to patients during their treatment for a certain illness. We adminster the grants through the patients' nurses, who contact us and apply for a grant if the patient has…
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Nationwide Credit Card Quotation
My latest Noddle report suggested I had a high chance of being accepted for Barclaycard Initial, Barclaycard Platinum and Nationwide Select. I am 12 months into using sub prime cards which have all been paid in full every month and all had limit increases. I also have current account with £200 overdraft facility, which I…
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Credit card - In Credit!
First off I always pay my credit card off by direct debit and the full amount. It is with HSBC. I made a purchase of £942.62 on 9th April - My statement was produced on 27th April with a balance of £1162.06 I received a refund of £849.95 showing on 18th May. My direct debit payment of £1162.06 was due to go out on Monday…
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Process of Applying for Credit Card to First Using It
This has always been a slight curiousity of mine, but can anyone confirm/correct me on my understanding of this, this is all presumed. 1. You apply for Credit Card 2. Application received by CC company, CRA are referenced as is CIFAS, this and the information provided on application is compared against pre-set lending…
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MBNA only wants you money, not your business
I am massively unhappy with MBNA, they must be the worst bank in the world to deal with. They do not care about their customers, they just want to take every cent you own and more. I had a nil balance and cancelled the direct debit because I had asked for the account to be closed. They tried to take over £100 even with a 0…
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Late payment fee?? On visa card
My wife checked her visa account to find a late payment fee of £12 had been added . She always pays off regular as clockwork Statements 29 march......... min payment by 23 April.(less than £10) 27 April............ Min payment by 22 may.( min£7.61) She paid £150 on 03 April And then paid £150 on 27 april The bank said that…
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Cashplus Credit Builder
I have just received my Cashplus card, activated it online and logged in to the members area. However, it doesn't give me the option of adding credit builder. I'm on a 'total access' plan - and will be paying the £4.99 per month. Just wondering if anybody can shed any light on how to add credit builder to the card? Thanks.
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Bankrupt but excellent credit score - which credit card???
Hi there I'm a bit stuck! I went bankrupt in 2010 and have recently checked my credit expert report which shows me with a score of 900+ excellent! I am wanting to apply for a credit card in order to one satisfy my curiosity (I'm being honest!) to see if someone will actually give me one and two to show on my credit history…
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Barclaycard rejection, grr.
I'm not bitter, just having a moan. Moaning won't get me a credit card (which I don't need - got one elsewhere anyway), but I'm gonna moan anyway :) 3 weeks ago I applied for a Barclaycard. I'm a low earner but have a decent credit history, in that I usually get what I apply for, and always pay it back. I've had - and have…
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which card question
Would appreciate some advice... I currently have -Virgin card with balance on 7.5k limit, 7K balance (at 0% until Apr 2013) -M+S card 6.5k limit used for spending and cleared every month -Barclycard Platinum - 9.5k limit clear (BT'd to Virgin a couple of months ago) - Evans storecard 0.5k limit and only used for spending…
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ltd company credit card
Hi All, We are a small ltd company(3 employees) & I was thinking of getting a credit card for purchases etc, is there one particular card that I should go for? Thanks in advance, Paul.
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When are new credit cards sent out?
I know I should just forget about it and go out & enjoy the sunshine but it's annoying me. So - Just wondering how long before a credit card expires is the new one usually sent out? My Capital One card expires in August (08/12) so when I received I new card in the post I just assumed it was a replacement. The new card's…
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MBNA/Amazon Card & Faster payment
Anyone else been stitched up by MBNA making a faster payment on the due date but it not being applied til the following day? Set up a payment online with my bank weeks ahead of the due date. Apparently it wasn't received til after 4.30pm on the due date so they are totally within their rights to apply it a day late…
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Credit Cards - Quickest way to pay off if can't do balance transfer?
Hi all, I have 5 credit cards with total credit card debts of around £8000 (around £7000 of this I'm paying interest on). I have gotten rid of one credit card by doing a balance transfer but have found this isn't looking like a likely option for the others due to the amount of cards I already have. I'm currently paying…
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Bouncearound 20 months 0% purchases card
Hi there. I'm looking to get as long a 0% on purchases card as possible for one big purchase (I can afford the repayments). First Direct do 0% for 56 days on purchases but they do 20 months 0% on balance transfers from competitor cards (transferred within the first 2 months) Would I be able to do the following: - Purchase…
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Pre-paid Post Office Travel Money Card - What to Do?
Hi, a relatively popular pre-paid card to tackle budget airline charges a few years ago now shut down and it does not appear to be a way to return the pre-paid balance. Post Office know nothing about it these days, and the post code leads to an address of Bank of Ireland in Bristol. Any thoughts?
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First credit card, Vanquis responsibility
Hey folks, I'm new to money saving expert, though its been a great resource in the past, and the world of the financial. I have registered here today for advice on my first (vanquis) credit card, yes I know they are extortionate and have heeded the warnings I have read here, My questions are: when can they charge interest…
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Anyone still provide Charge Cards apart from Amex ?
I always pay my balance off in full each month so that I dont get charged interest. So I was planning to get a charge card in about 6 months time, but can't really find any apart from American Express, who probably won't accept me. Does anyone know, if any providers still provide charge cards ?
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santander incorrectly charged me. Please help
I started having peroblems with my santander credit card back in december 2011. I recieved a new card as my old one was due to expire. I didnt really want to use it so i didnt activate. A few weeks later i decided that i wanted to activate my new card so i could transfer a balance from another card over to my santander…
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Lloyds TSB Credit Card refused balance transfer
Hi there, I have a Lloyds Credit Card and went online to do a balance transfer from another card to this Llloyds one - and, even though I have no debt on the Lloyds one, my credit limit is 15k and I wanted to transfer 2k, it was refused. Anyone know why this might be? I thought that once the credit card was issued, then…
