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My fault or theirs?
In March this year I transferred a balance to a 20 month 0% deal from Virgin money credit cards, and destroyed the card (so I couldn't spend more) and promptly set up a regular standing order that would clear the balance well within the 20 month 0% time limit. I checked my statement and found they had charged me interest…
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Turned down for phone contract...
Hi, Can anyone help me. I recently tried to get a pay monthly mobile phone after my pay as you go packed out. I last had a contract phone about 12 years ago. I was sitting down with the lady in the shop and going through the credit check. I got turned down by T mobile and then Orange. I've applied for an Experian credit…
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Scared to apply for a balance transfer card
Hello, I have had a Lloyds Credit card since 08 slowly racked up my debt on it until I was near the limit and then cut it up and started paying it off. I have been paying it off but am shocked at how much interest I am being charged (nearly 15%) which it making it hard to make a massive dent in it. I've started looking at…
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Credit Card Difficulty Ratings *Opinions/Experiences Needed*
This is a thread that aims to list all the major credit cards available, and judge their difficulty in obtaining them on the experience of MSE users. This will help people in judging what they have most chance of being excepted for, without creating unnecessary searches on their credit files. If users can post which cards…
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PPI on statement?
Hi all I'm fairly certain i have always declined any form of PPI, however there is one credit card i took outback in the '90's i'm not so sure about, i don't remember it being mentioned. It was a clydesdale bank cc,i just went into the bank to pay in some money and was asked about a credit card. Being an 18 year old…
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Barclaycard
Does anyone know the current fee for withdrawing cash on Barclaycard? Thanks.
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HALIFAX pre-approved Credit Card Issues *Help*
Hi, Wondering if you can advise me on how best to tackle Halifax on this issue. A couple of weeks ago when I signed onto my online banking I was offered a 'guaranteed approval' all-in-one credit card. I accepted and was offered £3400 limit. Paperwork arrives within 48 hours and I signed ad returned it. I then recived a…
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Halifax Cash Transfer - Newbie Question!
Hi all I'm new to all of this and trying to cut my debts slowly but surely. I currently have a Halifax credit car with approx £1500 on it that I'm paying interest on. I have had a letter saying I can have a cash transfer for 0% for 9 months. Is there anything stopping me from taking £1500 out and then paying it back off…
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The joys of Equifax
I thought i'd check my credit limit with Equifax as suggested by others. I've already done it through Experian back in November so decided to try Equifax. What a pain!! After filling in all the bog standard details I got a message saying please ring our customer service team to finish setting up your account. (at 5p per…
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Aqua credit limit increase link
Hi all, I have had my account with Aqua for just a tad over 2 years. My last increase was one and a half years ago (automatic increase from £450 to £700). I have never missed nor made a late payment on this account and was wondering what my chances of getting a limit increase if I apply via their on-line credit limit…
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Vanquis
Hi, Back in January l revieved a Vanquis card, with a limit of 500. After Mays statement l received a letter advising my limit would be increased to 1000 after June's statement. I phoned to cancel my poi, and was advised the increase was set up for 7th June. Anyway on Saturday 2nd, l logged on to check my account. I was…
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cap1 debit card payment
Hi, How long does it take for debit card payments to a capital one credit card to show up on the statement and be reflected in the balance and available credit? Cheers John
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scammed on purchase
I bought a dress from an apparently uk based website and have since found out that it is based in China. I have not received the dress and it is now three weeks over the time promised for delivery. We are over the 45 day period that paypal can open a dispute and the amount of money is £94.00 which is under the section 75…
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Asked if i used it for BT when closing account
As above really, i paid off and closed a card last week and the woman was obviously trying to keep the business as she said i qualified for blah-di-blah, after telling her thanks but no thanks she asked me if i opened the account for the purpose of the BT (i did then when 0% was up Bt'd again hence why i was calling to…
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Closing a cc account
Hi all, i read on a diary thread earlier today about being able to close a cc account with a balance still owing on it to freeze the interest (i think this was the gist) is this right? or did i mis-interpret it?
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Credit cards
Ive wrote to my credit card company to ask for my terms and conditions and they have not replied I sent the pound postal order and it was sent 3weeks ago wot do I do now
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£5k overdrawn on savings account
I have gone £5,000 overdrawn on my savings account, I think because of an international payment that was scheduled. I'm not entirely sure until tomorrow as Natwest never usually show the name of the company or receipient until the next day. Anyway, I think the money has gone awol or maybe takes 3 working days or whatever…
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Credit cards for the self employed
I've currently got excellent credit rating (i've done an experian check) but I have recently become self employed. If I now apply for a credit card with my status as self employed will it destroy my rating as my friend has just told me it will?
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Halifax Clarity Credit Card
This might be me not being able to see past the end of my nose, but I am wondering whether anyone has any idea for the criteria of eligibility for the Halifax Clarity Credit Card as I am thinking of applying for one before I go to America on holiday. All I can find is: "To apply you must be 18 or over and a UK resident…
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Lloyds TSB c/c increase. Good or bad?
After being financially reckless in my Youth, I have been trying very hard to get myself sorted. I get home today to a letter from Lloyds offering to increase my cc limit to £1500. I am nowhere near my limit, try to pay majority off each month and never let it get over half full. Isit a good or bad thing they have offered…
