Credit cards

Archives for June 2012

Barclaycard Cashback
Hi, I recently read that Barclaycard are cutting out their cashback offer, so for the sake of it I thought I'd ask how much cashback I had built up (if you do not spend it by the end of July it disappears) I was told I only have £1.48... I am a little surprised as I spend a good £450 a month on my barclaycard for over a…
What happens when a debt is sold?
Say for example company A lend you £2,000 via a CC. This debt eventually goes to an external collection agency, your CC balance on statements shows as £0 owed as it's now in the hands of the collection agency. So how is this reported to the credit referencing agencies? (Forgive me if this is not in the best forum, I…
Floods stopped me getting to show - credit card refund?
A few days ago myself and friends had tickets for Newcastle Arena to see Mrs Brown's Boys. Unfortunately for us that was the night that Newcastle was at a standstill because of flooding. Roads were blocked, police were stopping cars and advising people not to travel. We tried for 5 hours to get there but had to turn round…
Double faster payment
I recently paid my credit card using the Halifax faster payment service. When I had made the payment it said not completed or something similar so i tried again. Same response not completed. However, later when I checked my current account two lots of payments had went to my credit card provider. I called Halifax and…
Help needed please- 0% credit card query
Hiya guys, I'm a bit slow where these things are concerned so please be gentle. ;) I currently have a MBNA platinum credit card with an outstanding balance of £6350 as of this morning. As you can imagine I'm paying quite a lot of interest on this so my wife and I have just been discussing doing a balance transfer and…
Nationwide Select Card - can you have a positive balance on this card?
Hi, I have a N.wide Select card that offers me a £2500 limit. I'm traveling overseas in the next few months and will need to spend at least 5k whilst abroad. I'm wondering if any one knows if you can have a 'positive balance' on this card? ie: If I pay in £5k into 0 balance card and then spend it overseas would this be…
Balance transfer fee
Hi all, Sorry this has probably been asking hundreds of times. When you transfer a CC balance to a new CC and you are charged a balance transfer fee. Do you have to the pay the fee with cleared funds or can it be rolled up onto the new CC ? Thanks
Same card needed for return?
If I buy something with a credit card and the card needs to be shown when returning an item so the money can be put back on it - does it need to be the exact same card - or can an additional cardholder take the item back and use their card? (same account/number/surname, different forename)
Unauthorised Credit searches on file
Hi Upon checking my noddle report, I have found some worrying searches carried out on my previous address from organisations I have not heard of. Mem Consumer Finance Limited (Cr, Sr, Ct) Mem Consumer Finance (Sr Api) Checking Credit Application Mem Consumer Finance Cval Mem Cval Ml Anti-Money Laundering 02/04/2012 Pdl…
anyone want £25?
Removed to Referrals section as requested
Barclaycard pre-checker
I have noticed that Barclaycard pre-checker, is now checking both Equifax and call credit.
20 Years old and refused credit help!?
I am 20 years old and have been refused credit around 5 times, maybe more. I have a student overdraft and I am currently paying back tw loans but am also in full time employment due to the holidays. My credit rating is really low and I am worried it is going to effect me in the future and I won't be able to get a mortgage…
Aqua credit cards - avoid!!
I applied for a credit card with Aqua, attracted by the 3% cash back. I received a letter this morning declining my application due to my credit history?!? I have a perfect credit history, and the irony is that this is supposed to be a card good for people with a poor credit history. The letter blamed information from…
Paying for a holiday
I have paid the deposit for my holiday by debit card, now the balance is due and they want £72 if I pay by credit card. My question is can I pay a small amount by credit card and the rest by debit card and still be covered by the insurance?
Financing for a large purchase (MacBook Pro Retina)
Hi all, I'm new to the world of MoneySavingExpert but am starting to get my head around everything and hope to become a long standing member and share anything I find/discover as well as learning from the forums. I am looking to buy the new MacBook Pro "intelligently" reducing the cost as much as possible. I have just…
ccepted for first Credit Card but urgent question
I just applied for the Barclays Credit Card 22 months BT During the application, it asked what I would be using my card for. There were two options: 1. For cash withdrawals 2. Balance Transfer So I chose option 2 and it was presented with additional optional fields to fill in. These fields requested the card/balance I am…
Credit Card - Interest
Hi Question regarding re-building credit rating... My question is: If direct debit setup at the lenders specified date - Every month, an instruction to "pay balance in full", would interest be charged? Thanks
NatWest MasterCard-locked PIN-ATM Reset Possible?
Hello fellow MSE's, I've rather stupidly blocked my NatWest MasterCard and attempted to unlock the PIN at a Tesco ATM. However it says the transaction was refused and to contact the issuing bank. There's an option on the Online Servicing department to be sent a PIN reminder but as I can now remember the number is there…
Need help understanding my CREDIT REPORT
I've been doing really well in rebuilding my credit from the ashes until recently and through huge change in circumstances have defaulted on quite a few accounts which have all been passed to debt recovery companies. Anyway my question is, I decided to check my credit report to see just how crap it was but to my surprise i…
Tesco clubcard credit card
I am writing again because issues with Tesco bank are not being resolved. Beware as the online banking website is very poor and continues to produce errors. It has messed up my minimum payment and instead of £30, suddenly changed to £115, then a few weeks later went up to £230. They can't seem to fix it and I have now been…

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more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
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