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i'm an idiot should know better
AHHHHHHHH NATIONWIDE HAD ONE OVER ON ME fuming to say the least long story short switched bank accounts in jan from santander anyway when i switched all my bank dealings over from santander to nationwide by appling online and being accepted online i got a call from the local branch and asked to come in,i fell for the trap…
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Barclays credit card refused
Hi all, I am bit confused on barclays gold reaction to keep refusing credit card.I have applied 1st timefor barclays gold and 3rd time for barclays initial. and their reason is that I do not meet their critical requirement which is not true. I have good credit score,earning salary £21000,been in current address for 1 year…
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Not wanting a Credit/Debit Card.
Have you noticed how hard it is these days, not to end up with a Credit or Debit Card. I actually closed one back account, when they "upgraded" my Cash Card to a Debit Card, despite me telling them I didn't want it. Last year, my current bank sent me a letter, telling me they WILL be replacing my Cash Card with a Debit…
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Oh dear...
So, I had three credit cards, Aqua, Capital One, and Vanquis, which I was using and paying responsibly until my CCJ disappeared, at which point I thought I'd apply for a mainstream card. The CCJ duly dropped off, and I thought well I'll apply for 7 or 8 different cards, might get one or two of them. Applied all on the same…
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Capital One Cancelled My Card?
Just had a call from Capital One telling me my card has been compromised and they would send me a new one? Something to do with my PIN being compromised also? Has this happened to anyone randomly recently? Thanks
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Never Used My Credit Card
I took out a credit card about 6 months ago with my bank, I dont really know why I took it out, and when the card & the paperwork came I shredded it. Today I have checked my credit score and the credit card is on there, I was thinking of closing the card but will it effect my credit rating if I do? I dont need a credit…
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Credit Report and Store Cards
Hi All, After a large financial loss I am trying to make my credit report appear as healthy as possible before applying for a new credit card in order to get the best credit limit. I have two store accounts with Very and Debenhams. Do the values these allow for spending count to the total available credit on my report? Is…
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Too many credit applications
Hi all, I'm thinking of applying for the BMI credit card to take advantage of the current airmiles offer, and wanted to know if my recent credit applications will go against me hugely. I changed credit cards on May 4th (cancelled an old one, got a new one with £6.5k limit). I also applied for a loan in the middle of May…
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Bank taking more off interest than balance every month
Hi :) after reading on here I am now about to find a new credit card to transfer my husbands balance to but was just wandering if it was right that his Bank (lloyds tsb) credit card was taking more off the interest every month than it was his actual balance? He has been paying £15 every month, and from that they have been…
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Barclaycard Minimum Payments
On numerous occasions looking back at my previous Barclaycard monthly credit card statements I have noted that if the minimum payment only is paid the following month shows an account balance outstanding increase. It appears Barclaycard are systematic undercharging on the monthly interest so if you only pay the monthly…
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Platinum Management Stockport no contact
hi, does anyone know whats happened to Platinum management from Stockport? have been paying them monthly and had no contact lately, now none of their phone numbers work. think i've been scammed??
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Barclaycard harassment
Our company was liquidated in December and we had a compant credit card in my husbands name (not the company name) but registered to the company address. The liquidators did not include this credit card when they were liquidating and Barclaycard have now got our home address. I would like to know if we are liable for this…
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Tesco credit card charged me exchange fee
I received this month's statement, and it includes a 2.7% foreign exchange fee on a transaction I made abroad (the purchase came to £15.98 and a fee of £0.43 was added). I'm sure I've never seen this before when I've used cards abroad - has something changed?
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Claiming when company goes into administration
I purchased a 5 year season ticket for a rugby league club who have now gone into administration and if no buyer is found in 10 days will be liquadated. What's the likelihood I can claim back part of the total cost of this season ticket as there won't be a team/club to watch? Any help or info would be greatly appreaciated.…
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Halifax Credit Card - Final Settlement Offer
Evening, I am currently looking at making a final settlement offer to Halifax for a credit card that defaulted in December 2008. To date NO payments have been made on the account. Owing is £4,100 and I can afford £1,800. Does this seem acceptable? Is there a SET formula to how they calculate this? Also could anyone point…
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Credit cards with a default
Howdi! Looking into getting a credit card for use on odds and sods for my new gaff. More as a precausion than anything else. When looking on the experian site where they are meant to match you to credit all i seem to get is cards for building up your credit rating...it is currently at 975 out of 999 and the only reason for…
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Understanding CC repayments?
Ive been looking into a credit card which offers 15 months 0% interest on purchases, so im under the impression can i can purchase everything and as long as its all paid off after the 15months i dont incur any interest.. but reading there T's and C's i came accross this, does that mean, its not actually 15 months interest…
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Car hire imprint - Does this cost any fees etc?
Hi, This might be a silly question but do you know if any fees/interest/conversion fees can be charged by a credit card company for the holding fee they take when hiring a car? Basically, I'm going abroad soon and am hiring a car. I'm taking with me a Halifax clarity card for my spending. The Car hire place requires a…
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Balance Transfer Not Supported For This Card
I have a Barclaycard. Empty but with credit available and a 0% balance transfer offer available online. I have an MBNA card with a 0% offer about to expire. I login and go to the balance transfer area, it asks me to enter the amount (which is less than my available credit by a fair bit) the number of the card I want to do…
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Interest free on purchases
Please can somebody help me to understand what this means exactly. I appreciate it sounds self explanatory, but I'm still cautious and a bit confused. I have little experience of credit cards. I have one that my partner and I use for petrol only, getting air miles, but paying off each month I work part time, want to buy a…
