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Using a balance tansfer for husbands credit card debt
Can i apply for a credit card and take a balance transfer from my husbands credit card?
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Credit Card Applications
Hi, Im hoping someone could help me here. Im 20 years old, earning 16k per year with no credit history and living with parents. I've just applied for 2 credit cards. The first was a Halifax All in One and the other was a Barclaycard Initial which were both declined. I then come across the Capital One Classic card on the…
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Available Credit Info - Good or Bad?
First time poster, long time lurker I've got my credit report details of mine and my partner's accounts and they are as follows where * means they are joint account: MINE Type Credit Curr Balance Bank Account* 1100 0 [Always positive] Bank Account* 300 0 [Always positive] Credit Card 3000 0 Mortgage* 72114 Credit Card 4000…
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Help and advice please.....
:wave: Virgin have charged me £12 returned dd fee but admitted after i called them last week that it was their fault and they will refund it and close the account (I called to pay off balance and close account, i asked her if it was safe to cancel my dd she said yes and....well it wasn't hence the charge) The question is…
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Credit reference Agencies...
Which banks/cc companies use which agencies? My report goes from ''poor'' to ''fair'', depending on the CRA concerned. I had missed mortgage payments for most of last year due to a very acrimonious break up, but every other bill was paid. I now find myself with a very well paid job (50k p/a), no mortgage or rent to pay,…
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Very, Freemans...pay off with Credit Card?
I have an outstanding balance of roughly £1100. I have a ridiculous rate on both, one of them 49.9%. Is it possible for me to balance transfer these to a credit card? If not can I get a card with a better rate just to pay it off? I applied for a loan about 6months ago to help with the debt but was declined. My credit is…
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American Express cards
Do you think American Express cards with no annual fee are harder to get than those with an annual fee, or does that make no difference whatsoever? Just wondering!
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Dorothy Perkins Default
Wonder if somebody could give some advice. I've had a Dorothy Perkins Store Card operated by Santander for many many years now and have always been satisfied with the service. I occupationally use my card to grab and bargain in the sale or if I desperately need something - always paid off in full with I receive my…
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Santander 123 credit card - activation & online banking access
Does this card need activation on the phone after receiving it and is online management (banking) possible without OTP ? Can Santander customers with just the credit card provide answers please.
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Credit Card Account with non-UK address
I've recently moved from the UK to Jersey (Channel Islands) and wrote to one of my credit card providers (Opus) to ask them to update my address. The account is currently closed to new lending (i.e. I have no card as I haven't used the account for several years) but I am still paying off the balance at a very low interest…
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Using credit card as a debit card
Can I use my credit card as a debit card (e.g. cash withdrawal, transfer money to overseas) if I overpay before? My lloyds tsb credit card limit is £xxxx. So if I pay £500 before any transaction will it charge if I withdraw £500 from cash machine or send that money overseas. Thanks a lot in advance.
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Fallen into a Credit Card Trap - Help!
I don't know where it all went wrong - I used to be very careful with money but in the last couple of years - well, I haven't been. I am trying to get back on the wagon, but have fallen into a trap that I didn't see coming, that, coupled with my more recent sticking my head in the sand tendancy - means I feel well and…
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AA cashback card rewards cut
Took out an AA cashback card in March this year. Just had an email to say 'we're simplifying our redemption policy'. Among lots of verbiage to say how things aren't changing really, they've halved the value of using points on things from their catalogue, to be the same as cashback (0.5%), instead of 1%. So the usual…
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Overdraft! What to do?
Hi, I have a £2,500 overdraft which I'm currently paying £40 for a month. I'm keen to transfer it elsewhere so that my salary is not eaten by it, and pay it off in installments. I have looked around and seen 'super credit cards' where you can pay money into your bank account, which pays off the overdraft, then you pay back…
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Aqua Reward Credit Card - 3% cashback up to £100/year
Edit 4/4/2013: The card is no longer available to new customers. :( Edit 14/10/2013: Aqua are sending out letters to [strike]some or probably[/strike] all existing customers withdrawing the card in January. Simon7685 started a thread a few days ago, pointing out that aqua had redesigned their website, and launched a new…
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Tesco Visa online payments
If you make online banking payments to Tesco Visa, check your details as Tesco have recently changed their system and didn't think it necessary to tell anyone. I have just been on the phone to them because my card was declined on Saturday. They said it was declined because there wasn't enough credit left. We keep a small…
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Balance transfer??
Hi guys, I have a bit of an unusual question. I have had a capital one card for years, at around 30% interest on around a balance of £1400-00. I also have a John Lewis Partnership card, balance of £3000, at around 17% interest. Would it be cheaper for me to do a balance transfer from Cap One to JLPC? I'm no good at the…
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which one do i get?
hi guys, hope someone can help, my son is going to nz then on to australia for a year,we have got his caxton card sorted, but he does need to take a credit card for the just in case he gets stuck, i have read all the info on the credit cards but still getting confused :( , can someone please tell me which one?? many thanks
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Can a bank manually update Credit Report on demand?
I don’t know if any of you have followed my last two threads. the first being where I car I bought privately turned out stolen, was seized and returned to the true owners leaving me out of pocket to the sum of £3400 then secondly me discussion amending credit limits on current cards, and closing cards to allow me to get a…
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Post Office interest charged on purchases but no purchase made?
Hello I have recently used my Post Office credit card to make a 0% balance transfer. There was a £44.70 fee for this which I paid the same day as it showed on my statement (14 days after the balance transfer had gone through). I have made a few more payments since then, all above the minimum monthly payment. However, I…
