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Paying off a card whilst pursuing for PPI
I've just received a tax rebate of c. £800. I was going to use it to put towards a £915 balance I have on a Virgin CC. However, I'm just about to pursue them for PPI that I've been paying for the last 18 months or so. Is this wise, or should I keep the card open ie have a small debt on it?
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Barclaycard - Breach of personal data
I have a Barclaycard Visa account, having been an old Egg credit card holder when they transferred their customers across. With a small balance outstanding on the card at the time of transfer, Barclaycard didn't issue me with a new card but instead left me to pay off the balance in monthly installments. Happy with the…
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help with maths balance transfer
hi. I have got an offer of 0 percent balance transfer (5 percent fee) for a year from mbna I currently have 800 on it at 34 percent and 4500 limit. I have 6000 on barclays 23 percent apr) (6500 limit) so thinking I should transfer but dont want to be worse off in a year plus 5 percent fee is quite alot i think? if i cant…
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repairing my credit file
i have had poor credit over the last 4 years, since then i went to brighthouse 8 months ago and got myself something from there, i have always made my payments to them and since then i have been able to get a couple of payday loans from payday uk and the money shop and also now ive been accepted for a phone contract, my…
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virgin cc interest payments
Got a virgin credit card which i use for my business and manage to pay off most months. Had a promotion last year that gave me interest free purchases until august this year on any purchases up to the 31st october 2011. I spent about 9k so i assumed that anything over and above that which i spend before august i must pay…
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VISA Debit Card
Can someone please tell me VISA are allowed to give retailers my debit card number and expiry date without my authorisation. 12 months ago, I purchased a travel insurance policy with Columbus Travel with my VISA Debit Card, issued by RBS. The VISA Debit Card i used expired in April 2012 and was replaced with a new card…
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Best Way To Manage A Credit Card?
Needing to get our credit rating sorted we got a Captital One credit card, there is only £200 limit on it and we have spent £120 on it, we would like our credit limit raising at some point so my question is do we pay the whole amount off each month and that way they wont get any interest or do we leave a small amount…
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No more Cashback on Barclaycard (old Egg customers)
Just got email this morning http://www.barclaycard.co.uk/personal/freedom-faqs What is Barclaycard Freedom? Barclaycard Freedom is a reward programme where you automatically earn Reward Money (not points or vouchers) at participating retailers. You can then redeem what you’ve earned on your next transaction at selected…
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vanquis stalling me,think Im about to be ripped off
hello all, I just recently got a vanquis c/c, the first month I had £154 outstanding, made the minimum payment by my debit card online and all was well,this month has been quite a heavy month financially, so I ran the card up to £998.31 (£1000 limit), my statement is not due until 26/05/12 but I got paid on the 16/05/12…
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Sold Unfit Product Aborad
Hi all, I'm a newbie to this site - a big hello from me! I am hoping you can help me with a problem. I've just returned home from a holiday aboard in the Maldives (really great time!). Whilst on the particular island which I stayed, I decided to purchase a pocket digital camera. It was for around 350 US Dollars. The camera…
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Transferring balance to original card
I currently have a Barclaycard, and am considering doing a balance transfer to another card (to be decided) to get the 0%, but my question is this: When the period of 0% on the new card is due to expire, can I transfer any remaining balance BACK to my Barclaycard and get 0% from them, or would I need to get a third card?…
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does anyone actually get published apr
applied for a sainsburys nectar credit card, still published on their website and linked from MSE at 16.9% variable. you would think that to mean if you have a good rating they would offer you that rate. not in my case, my credit rating is very good, but when i got the pre contract agreement in the post everything is…
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Help with credit card/balance transfer, so upset with barclays
Hi I had a vanquis card basically to up my rating which has actually gone from poor to fair !! I applied for a barclaycard which when I rang them they said that I had been accepted for, got the card and also a letter to say that I had failed checks and that the account as been closed and could I chop the card up !! My…
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moving overdafts on to 0%?
Hi all, Im looking at transfering a debt from a credit card and the overdrafts me and my partner have onto a 0% credit card while we pay it off. I know I can transfer the credit card debt to another but is it actually possible to get the overdrafts onto the new card aswell some how? thanks for your help
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Tescos Credit Card
I am an established Tescos credit card holder and manage my account online. Tescos Bank have upgraded their system and I signed in to check my account 2 days ago without any problem. I have just tried to sign in again to check if an expected credit has reached my account and the online system is telling me my account is…
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Where to go now?
Hi im after a bit of help. I actually want to claim on the PPI Insurance on a Credit Card my parents have, however its proving hard work. The story is, my parents had an Egg Card, with PPI included. This was under my Mum's name. My Mum became seriously ill, and the nature of the illness meant that she will not be able to…
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Refund Fees
Is there a limit on refund fees? or can companies charge any amount they want?
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Paypal Vs Barclaycard VISA for Purchase Priced in Euros
I want to buy some goods from Germany which are priced in Euros. The website takes payment via Paypal. As a UK customer, I can choose to accept Paypal's OWN quoted and confirmed exchange rate of 1.19 GBP to the Euro or "gamble" and blindly select an unknown rate from (Barclaycard) VISA. I believe Barclaycard charge a 2.75%…
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pay on card
I know that if I pay for goods on a credit card the card company are jointly responsible if something goes wrong with said item, BUT, if I pay off the balance from the card, am I still covered even though I have paid the card off?:j
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Disappearing Credit Card Debt?!
Hello, I've done a search for this but cant seem to find any similar threads so I apologise if I'm repeating another thread! I have two amounts of debt both with Santander, one is an approx £800 overdraft and the other is approx £2,500 credit card. I got both the overdraft and the credit card when I was 18, four years ago,…
