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Advice on rejected application
Hi all, sorry its legnthy but just curious as to why i get rejected. I was trying to get a decent credit card as i have a vanquis one currently, not through bad debt but because i had never had credit and they were the onlyones who would accept me to build a rating. Ive been using vanquis for almost 2 years now, never…
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Debit Card Protection
I recently made a phone purchase for over £200.00 using my VISA debit card. Once making the payment i became concerned over the merchant reliability, so cancelled the order. Following a less than convincing phone conversation with the Customer Services dept, I also cancelled my Debit Card (for reissue with new number) and…
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Card Shuffle - Partially completed, need advice
Hi everyone. I am currently trying to cut the interest on my cards so thought I'd come here for some advice. I'm aiming to have all of these paid off by the end of the year or new year at the latest, as I'm paying quite a few hundred a month onto them at the moment, just want to try and minimise the interest. I actually…
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Advice on what do credit card wise?
Hi all, not sure if anyone has followed my last thread regards a car I 'purchased' proving to be a stolen vehicle (clone). To cut a long story short it looks fait accompli now and it will be at a total loss of £3400 and nothing to show for it. This has put my finances in a bit of a pickle as I had expected to sell the car…
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Old credit cards
Hi all When i first met my wife just under 5 years ago she had some biggish cc balances (about 6-7k if i remember). they where getting bigger with intrest a she wasnt all that finance savy. we paid them all off and i got her to cut her cards up and accounts closed. I recently made a successful ppi claim on my mortgage and…
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Card opened short period then settled
Does having a credit card active for a short period (say 3-6months) before cancelling it have any impact on your credit rating? So the card is settled on your credit report, which would presumably normally be a +ive, but could there be any adverse affects of this from a lender's perspective?
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Unenforceable debt?
(long post warning sorry!) I got into some financial trouble years ago (2005) and defaulted on a number of debts. Two of these were credit cards originally from c.2001 (MBNA, Marbles) and were quickly sold to Cabot. I have cleared all of the other debts now, apart from these two. I have a perfect record since on my payment…
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Are capital one credit cards cheaper than payday loans?
basically i am stuck in a bit of a rut. i have payday loans (around £500 spread across 3 companies) that i am paying back and then having to take another one out (or deferring them) as i can't afford to pay them back right now. the capital one card is 34.9% apr and is the only one i could be accepted on due to bad credit…
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Can I clain back GuardCard charges?
Hi I have just found out that CardGuard have been taking money from my account despite my cancelling direct debit years and calling them to cancel. Just called them and they said they had no record of this. Was so long ago and I have no actual 'proof', however remember doing it as it was a really long and difficult process…
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I'm leaving
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Creation / sygma
Please beaware, that Creation / sygma have not got rid of their retention team. You wont get offered any deal which wasnt normaly offered. sounds like they are 100% cutting back
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Is this possible?
Mbna card with £10000 limit currently owe £7500 i have just been offered 0% until june 13. Can i transfer £2000 into current account and then pay £2000 off the card? If i do this a number of times I would end up with the balance at 0% for 12 months. i know i will pay a bt of 3.5% but think i will save over the long run?…
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Old Internet Bank Credit Card Providers
Hi I am in the middle of trying to put together PPI claims against my old credit card providers, but for the life of me I have been unable to remember one of the providers which was an Internet Bank. I have tried the various credit agencies but as it was over 6 years ago the credit name isn't appearing. Searched the…
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Can I still spend my balance?
I am re-building my credit using a Cap 1 Classic Card. I pay the balance in full early each month. My question is this, I have just paid the balance due on 8th June 2012. I had not used the card to its' limit so still have a little credit available. If I use this prior to the balance due date will I be charged interest as…
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Santander in credit.....
My cc is in credit by £27 how do i get this back? Do they just transfer it to a bank account? (plus will they charge me a cash withdrawal fee for this?)
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advice on what to do now please
made a boob and opened barclaycard platinum 0% bal trans for 22mths cos thot i could pay off our car loan with it doh. so now i really need a card with 0% on purchases as im on maternity leave and now all maternity money stopped. so instead of using my savings will use the 'new' card and pay min amount clearing it at the…
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Halifax Calrity - allocation of payments
Can anyone tell me if I have unstatemented (UK) purchases on Halifax Clarity and I take out cash (not UK) then to which are payments allocated first. I have read the Ts & Cs and it says the highest interest rate first. The purchases may be 0% or may be 12.9% - I know it will be 0% but Halifax don't know that at this point,…
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Virgin credit card - Credit limit increase
Hello, Do you get automatic credit limit increases at regular intervals with the Virgin (MBNA) credit card depending on your account conduct/credit history or do you have to manually request one? I haven't got an increase from MBNA since ages.
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Halifax Credit Card Limit
Hi Ivr just been accepted to the Halifax All In One Credit Card. With representative APR of 23.9%. However they say my credit limit is 'subject to status' What is this credit limit likely to be? I have a very low income (below £9k) and I am a full time student. The application was guarenteed via a link on my web banking…
