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virgin not honouring their cashback offer
i was going to book holiday with virgin, online. seen that virgin credit cards offered 10% cashback when paying with that card. I rang the cust services because i couldnt find the terms and conditions, and told them i was looking to buy holiday online and would i qualify for this offer. They said yes. 2 weeks ago i was…
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How to get an increase from Capital One ?
I've had my Capital One Progress card since November and still have a £200 limit. I've alway's payed back the full ammount each month, and never ran up a high balance on it. I'm 19 and never been in debt, so I'm not sure why they can't raise it slightly. I'm not looking for something stupit like a £7,000 limit or anything,…
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Credit card for £20k car loan?
Hi all, Some months ago I stumbled upon a suggestion on these boards for a car loan to be obtained by taking out a credit card with 0% for 20 months or somesuch. In backing up that general suggestion, there was mention of a specific card -- all I recall is it had a credit limit or transfer limit of about £20k. Can anyone…
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fraudulent transactions
I would appreciate some opinions on the steps to take now my credit card has been hacked. Yesterday I received an email from my card company (Tesco Bank) to say I had updated my details successfully. I immediately contacted the bank and said that I hadn't changed anything, and the young man was very helpful (or so I…
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RBS /UNISON credit card
Hiya. Not sure if this is the right area, however here goes, In Jan this year I approached RBS and asked if I could make reduced payments, due to job change etc, they told me that before they could help I would need to default on card, and set up a payment, and this i did, they even refunded me the default fee. my question…
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need a credit card to save my wedding!!
hi everyone i am getting married in 2 months and still owe £2100, my partner has had his wage cut dramatically in half and we now have no time to earn extra money before everything has to be paid. we already have used £3000 (to the limit) on a tesco credit card (no interested for 18months recieved this in april 2012) which…
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Airmiles Credit Card
Hello there, I'm a first time poster, but have heard wonders about this forum so need some advice. I graduated from University around 3 years ago with a godawful credit score (I stupidly though applying for credit cards regularly was a good idea :/ ) since then, I have nailed down a good job with a significant paycheck and…
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New to CCs. How to repay?
Morning fellow MSE's; This morning im applying for a credit card w/ Tesco. They offer a 16months no interest. I plan on paying the full amount owed before the 16 months. I just wanted to know how i will be repaying. * Every month can i be transfering money over? * Do i have to wait for monthly statement? * Will i get…
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Withdrawing Cash in Europe
Can anyone clarify please, I have read that the cheapest way to draw cash (e.g. avoid loading's and charges etc) for use in European countries seems to be by using a credit card-I had always thought that credits cards charged interest immediately for cash withdrawals? Also if I pre-loaded a credit card with cash would this…
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Holiday Inn - Pirates competion
Got a scratchcard ticket for a Pirates competition with my room key when I checked in at Holiday Inn in Newport and won 2 nights for the price of one to be used by December 2012. I just kept the email confirmation until I was ready to use it. I want to consider booking next week in or around London. The link will not work…
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M&S Chargecard account.
Hi all and thanks in advance for your help. Can someone tell me whether charges made to the Chargecard account can be reclaimed? I'm not sure if the same applies to this as the CC's.
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Rejected & We'll be in touch..
Hi guys, So, I currently have: Tesco CC (Clear), Debenhams Store card (Clear - never use - should I cancel?), Natwest CC (now -£1,638.59 - paid £1070 off the previous balance yest, boyfriend paying £380 off next month and will clear the rest after my hols in Sept), Sainsburys (-£1180 <- Want to balance transfer this to…
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public holiday charge?..
I'm currently paying £4 a day to my credit card in an aim to constantly pay it down, instead of just waiting for the direct debit each month to do it for me. My idea is that im paying less an less interest each month..( is it a good idea..?) anyway.. Now, with the long bank holiday gone, obviously the daily £4's are a…
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Confused about Vanquis Credit Card
OK So I've just got myself a Vanquis credit card. I have a fairly simply question but can't seem to find the answer anywhere. If I threw my card away now and didn't spend a penny on it will I have to pay anything each month? If so how much? Thanks RICK
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0% Credit Card for Car Purchase
Hi there, can anyone advise i am looking at purchasing a car in the not to distant future for around 10k, i will be making a 5k down payment and the rest i would like to spread over 12/18 months, is a 0% credit card the best way ?
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cash % of credit limit
Does anybody know what % of a credit limit can be used for cash on a nationwide credit card with a credit limit of £7500? Cheers John
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early repayment/ settlement
Hi, I have various credit cards and store cards which I want to clear in full. I have managed to save up some money and want it to go far. I have read on varius sites that I can call up the creditor and ask fo an early settlement figure and request it be reflected in my credit file as satisfied in full. I am afraid that if…
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Spending dollars?
My wife has around $200 in an old US account with Wells Fargo dating from when she was based in the US around 8 years ago. They recently sent her a notice that they would start charging $7 a month for the account which acted as a trigger to close the account and repatriate the funds. However it is proving more difficult…
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Son used debit card without consent , advice needed.
I found out today that my 10 year old son had been using my bank details to purchase numerous games on his play station 3 account , he has also been sharing his account with one friend of his so u don't know if he has also been buying games from my money , anyway I phoned my bank and they said to contact the fraud…
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Damaging my credit rating if I...
Hi, I have a barclaycard with over £1500 debt in it, I also have an overdraft in my current account for the same amount. I am the type of person who wants to clear debt, so I would like to clear my barclaycard balance off and grow my current account over the next few months. Is this a good idea to pay it off with my…
