-
Understanding credit cards
Hi all ! This might sound like a very stupid question... But I've never properly understood the point of credit cards :-? Well, I think I understand the point, but I don't understand why you'd want to use them. As I'm clearly missing something, I thought I'd ask here :) Basically, I've only ever used "debit cards" ; it's…
-
Paid off credit cards - keeping one?
Hi I have just paid off my credit cards, and I am aware that no credit is almost as bad as bad credit. Would I be best to keep the one that has free purchases until the end of next year and use it to pay for my shopping and then pay off the full balance each month or just close it down completely?
-
Car insurance and improving my credit rating?
Hi there I am trying to improve my credit rating. I have no loans, debts and never had a credit card until last month where I got a 0% Purchase for 12 Months Barclaycard Platinum with a £1000 limit. Now, I am about to purchase some car insurance which is in the region of £900 and I am going use my credit car to pay for…
-
Balance transfer done twice
I'm seeking some advice. I recently received a 0% balance transfer offer from Barclaycard. After two fraud checks, they hadn't done the transfer so I called them up again to ask where the money was. Seven weeks after I first made the request (and was approved), Barclaycard finally processed the balance transfer. Except…
-
Best customer service?
My wife and I currently use a Tesco Platinum card as we collect the points and use them for family days out, Eurotunnel tickets and breakdown insurance. We have always been pleased with Tesco until two recent incidents that required us to contact their late payments team and also raise a dispute on an unrelated matter.…
-
Capital one classic credit card min payment?
Hello, could some one help as I'm a little confused got a letter from capital one saying my limit will increase from £200 to £500 next month just wanted to know will my min payment go up or stay the same if I don't spend any more as right now it's £7.04 a month an I've spent £197 on it so will it sill stay The same or go…
-
Halifax One Card (When Will I Get A Bill?)
First time credit card holder. I have got a Halifax One Card (13 months Interest Free on Purchases) which I have had for just over a month, I have made a few purchases with the card but I have not received a bill? I can see my mini-statement online, but I wanted to pay off some of the stuff on there but I’m confused in how…
-
AQUA c/c question
Just applied for Aqua credit card and wanted to ask any existing account holders a question. As far as I understand there is no foreign exchange fee on this cards what is however unclear to me if there are any other fees for paying with this card abroad at all? Such as for example on the payments made abroad they would…
-
Raising a dispute for a purchase (hotel room)
I was supposed to have a business trip in France this week, but it was cancelled a few days ago. As usual, I'd booked the hotel myself intending to claim back the costs later. This isn't the first time I'd had to cancel this hotel, so I was surprised to be told on this occasion that no refund would be given. Like most…
-
Reducing Unused Limits
Hi all, I am in the process of reducing some of my excessive cc limits that I simply do not need anymore. I was under the impression that generally lenders will not lend any more than 50% income so as I was approaching that point, if I reduced my available credit I would become less of a risk for 6 months to a years time…
-
Failed Visa Transaction
Last week I attempted to book a holiday online with Thomson. I paid by visa debit card. However, the visa verification looked like it went through but then the Thomson website said an error had occurred. My cleared funds on my bank account adjusted to take into account my payment to Thomson. I rang Thomson who said that…
-
Can you load money on to a credit card?
Hi Guys, I'm going on my Honeymoon in august to the USA and have just got the Halifax clarity card but they've given me a low credit limit. I want to spend about 3 times the amount of the credit limit and already have the money in the bank. Can I just pay extra to the credit card putting me in credit? Would it then allow…
-
Accidentally applied for same RBS credit card twice
I tried applying for the 0% credit card from RBS this evening and got accepted. I got through to the part where it told me my credit limit and asked me if i wanted protection for the cardholder. The page went blank and restarted so naively I have gone through the application again and it has been declined this time! What…
-
Vanquis Bank?
Hi, I am 19 and I am looking for a credit card to use to spend little each month and pay it on time in order to build up my credit rating. I was sent a 'priority invite' from Vanquis and I was wondering if I should accept? Could someone also explain APR to me? e.g. If I spend 20 pound in a supermarket and pay it on time do…
-
Stupidly missed CC payment when on holiday... help
Just a quick post to see if anyone can offer any help or suggestions or maybe even give me an indication of how bad this is... Basically I have a CC with Vanquis which I have used for the past year or so to build up a credit rating. I am 21 and have never missed any payments for anything before and am trying to build up a…
-
Call-credit subscription cancellation help!!!
hi all Call credit subscription cancellation help!! if people cant find out how to cancel here is the email address to send your cancellation to with the date you want to cancel from.They dont supply this on their website or give no number to get in touch.Just send your cancellation from the email address that you set the…
-
Can´pay
Hi everyone, Hope someone can help me out with some info. I am conducting an Internet business which has been going pretty good the last 3 years, till about 6 months ago when it went down and now I am at a point where I can say the business is as good as over. The problem is that now I can't pay my 3 credit cards anymore.…
-
New Pockit Prepaid Mastercard
New on the prepaid market is Pockit with its pay monthly option of free application and £3.00p monthly fee. There is a host of cashback deals, partner offers and voucher codes, free point of sale transactions and a U.K. ATM fee of £1.00p. Probably if a prepaid card is the only option and a U.K. ATM is used regularly the…
-
Halifax no longer participating in MasterCard secure code?
I can't find any link which allows me the register my Halifax MasterCard for secure code verification. Have Halifax stopped doing this?
-
When should I apply for cards that are not sub-prime?
I had a decent credit rating before moving to the US 10 years ago. By the time I came back (after 6 years) I had no credit history at all. I am registered to vote, rented a home for the past 3 years, and had a Virgin Media bill which I always paid on time and in full. This year I got some sub-prime cards to build my credit…
