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Credit card application
Morning, We have a completion date of 28th of June for our first home. I would like to apply for a cc card. The mortgage is in my partners name only. However we are linked as they did a search on me too. What I want to ask is when is the best time to apply so it doesn't effect our mortgage application. FYI all of the…
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Only one late payment on card since held.
My son has had an HSBC Mastercard and it its predecessors for at least fifteen years, and has never until one single instance recently by oversight a payment was made a day or so late. He is a little concerned as the term of a fixed rate mortgage ( with another institution) comes to its end in the next twelve months. I…
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Barclaycard Faster Payments Advice
I made a payment to my Barclaycard via a faster payment on Saturday morning. There is still no sign of it having been credited to my Barclaycard. Can anyone who has Barclaycard and pays them in this way tell me if this is normal for them? I read up that I could send my payment via faster payments and if sent before 4pm it…
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capital one , i am confused.
i have a progress card and owed £13.14 on it which i paid a total of £13.15 bringing it up to date and 1 pence in credit. i sent a secure message to ask for the card to be closed as i no longer want it. they replied telling me that they would send a cheque for the 1 penny, :D and close the account and update my credit…
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American Express Eligibility ?
I was looking at the American Express Platinum cash back card as a future credit card, and the eligibilty according AmEx is: I am aged 18 or over I have a current UK bank or building society account I have a permanent UK home address I have a household income of at least £20,000 I have no history of bad debt Which I meet…
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Credit Card Basics Help
Hi there Need help with the basics of a credit card. So here is what i know so far - I can get a card with 14 months 0% interest. My limit will be £2000 0% on purchases. Dont know what a bank tranfer is? Lol oops.... I now do all my spending on the card which equates to £2000 in a week. This is because thats all i will be…
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RBS 18months 0% T&Cs = Confused!
Hi, am wanting to purchase a new car via 0% credit card and RBS yourpoints one seems to have a good long int free period BUT it states the following RE repaying :- "If you pay your balance (and your previous month's balance) in full and on time each month, you'll enjoy up to 56 days' interest free credit on all purchases…
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Credit card calculator
Does anyone have a link for a Credit card calculator that works out your next months payment and interest using your APR and card repayment rate ( I am not referring to Martin's repayment calculator that is for fixed payments not for random overpayments) I found one a few weeks ago online ( I can't believe it didn't save…
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Safe Credit limit
Dear All, I have spent the last 2 years getting my finances in order, (yes I’ve learned some hard lessons) I cleared off all my debts in January of this year thanks to PPI claim back and didn’t owe anyone any thing (with the exception of my mortgage). I did an experian check in April which gave me a 999 rating, yeah I know…
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keeping my credit card?
hi just wanting some advice from anyone? i have paid off my credit cards:j and wanting to know,is it better to keep them or phone and cancel them? would appreciate some feedback :beer: jason
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Is this PPI ?
I had a Debnehams store card which I paid a few pence for every £100 spent on the card for payment protection. This card was then replaced by the store with a Debnehams Credit card, on which I still pay the few pence for payment protection. Is this PPI ?
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Halifax Card
Hi, So i recently applied for the Halifax 0% card. I got the accepted and recieved the form to sign on Friday 8th (just over a week ago). Posted it back to them on the same day. I got a phone call on Thursday 14th, was a message that played and said "Please sign and return your credit agreement, if you have not already…
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Do different credit agencies have different credit files on you?
I thought I'd sign up via Quidco to get cashback from Equifax & Credit Expert by Experian since I've never seen my credit profile and only recently was accepted for my 1st credit card. Unfortunately, I was confused by one of Equifax's "security" questions where it asks about mobile providers because I'd had several mobile…
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paid the wrong credit card, now £320 in credit
I needed to pay £340 to my credit card, and £20 to my husbands credit card and i accidentally paid £340 to my husbands. Its instant from Barclays current account to Lloyds Amex Avios. Now my husbands card is £320 in credit. If i call will they refund it or transfer if to my credit card?
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Guarantee with Holidays
We are going on a holiday to the USA and paid the deposit for two with my credit card - the amount was over £100 each. This I believe gives cover for us should the travel company get into financial difficulty and we need to organise alternative accommodation/ flights etc. etc.. Paying for the rest of our holiday by credit…
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Paying Off Natwest Credit Card
I have just taken out a Natwest Credit Card, i use the credit card for my work expenses with they pay back to me monthly. I already bank with Natwest so my credit card account shows on my online banking. Can the balance monthly be cleared by Faster Payments so that I do not have to set up a direct debit. Thanks
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Order of Payments
I made a cash advance transaction a few months ago, and immediately paid in an amount that I thought would cover that payment, so not to incur interest on it. However, I've been charged interest over the last three months, and according to my CC company it was because the entire balance hadn't been paid off. I have a few…
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Metro Bank ran four searches against my credit file
I opened a Metro Bank current account a few weeks ago. The rep I dealt with at the counter had problems due to my address (which systems often find difficult to recognise), and had to refer it "upstairs" for approval. I did not ask for (and was not given) an overdraft, or any type of credit. However, I have just checked my…
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Can anyone explain my interest refund from NatWest?
Any ideas about this one? My NatWest Platinum card had been unused for months and with zero balance. They gave me a BT offer - 4% fee, 0% APR for 12 months. So I rang them up - £3000 transferred, fee of £120 confirmed on the phone. I get the statement - £3120.12 comprising:£3000.00 BT amount £120.00 BT fee 12p "purchase…
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Debit Cards without an overdraft? (Bring back O2 Money!)
Hi all, I am totally new to the site, not sure if this is in the right place to post or if this has been discussed already so feel free to move it. I used to have a debit card with O2 Money, fronted via Natwest if memory serves correctly. A fairly standard current account equivalent except; - After every transaction SMS…
