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How long does a default affect your credit rating??
Hi, I hope I am posting in the correct forum. I have checked my credit report today on noddle and I am scoring very low - 1 out of 5. I have 6 accounts open which are all up to date (3 are not in use and I plan to close these ASAP in the hope that will help my credit rating). The other bad thing on my report is a default…
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Barclays Credit card Balance Transfer - applying online
Hi I am new I am trying to shift my current existing debt and so far managed to shift 1700GBP onto nationwide credit card. I have 900GBP remaining. I want to apply for Barclaycard with BT but wonder if they will give decision online? On the website it says you'll be given decision within 2 minutes, however when i phoned…
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Santander Zero
Hi everyone, Just a quick question. I have a Santander Zero card which said it has 0% foreign exchange fee but I believe they stopped doing them as you can only get a 123 and Santander normal one. I am wondering will this still have the benefits as it used to just people are not able to apply for them anymore? only asking…
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Suggestions on applying for a 0% BT card
Hello, I currently have 2 Credit card accounts. 1)HSBC £3700 - This account was closed by HSBC in 2008 during a time when i was having a few money issues and i think i missed 1 payment on it. I'm currently paying this off at £140/month (17.9% apr). 2)M&S - £4700 - I was accepted for this in april 11 15mths @ 0% on…
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Tesco Credit Card spurious charges
Hi all, My wife has had lots of problems of late with her Tesco CC. Despite paying the minimum charge every month by a direct debit (which they themselves set up), she randomly finds late payment charges every now and then (3 in last 12 months). We then have to call their 'helpline', explain what's happened and then get a…
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My credit card is unenforceable????
Hi everyone, I sent in a request to RBS credit card services for a copy of my agreement paperwork. As per the guides on this site. I recently had a successful PPI claim on an RBS loan so thought I would see what was on my credit card as well. Their reply took 7 weeks to come back (which i'm not overly fussed about) but I…
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Using credit card for paypal ebay purchases
Is it possible to register a credit card with paypal and use it for ebay purchases without getting credit card charges ? cash advance etc I pay the full balance of the card every month without fail
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Sky Credit Card
Hi can anyone help me, I was a sky credit card customer and am unable to find any contact details on the web to start the ball rolling for my PPI claim. A phone number if nothing else would be great. Thanks in advance for any help given
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Credit Card with Second Postal Address???
Hi Guys I want to start buying some stuff from the USA, mainly clothes and the occasional auto parts which either I can't get in the UK or EU or are vastly cheaper in the USA. I have found a freight/post forwarder (Bongo) who has provided me with an address in the USA to where I can get my orders sent, they then re post…
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Not cc more dc help required......
:wave: morning, :) I'm looking for an account for my 14 (nearly 15) yr old which has the facility of a sort code and account number (so he can purchase things online) I opened him a savings account years ago which has now got to the stage where he can have a card instead of a cash book but this has none of the facilities…
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quick question about disputed debit transactions
I have just noticed that I have three unknoen tranctions on my debit card stament one is what looks like a reacurring transaction and the other two to the same company all from 2011. Am I too late to have it sorted out?
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Late with a payment - on my credit file?
I've just missed a minimum payment on my credit card because I forgot about it. The minimum payment was about £12.50, on a balance of £12.50. Yeah.. I got charged a late fee that was nearly that amount in total. The payment was due on the 14th, and I've just but is this likely to go on my credit file? The website seems to…
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Paypal - refunds for non arrival of goods?
I bought some shoes about 2 months ago. they've never arrived and after a series of unsatisfactory emails and calls with the vendor I am told she has gone abroad! Is there anything I can do to recover money (£55) via Paypal? I sent them a message, but they just sent e a ridiculously expensive number to call them back on :(
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Hello - quick transfer query! :)
Any input appreciated! :) I have an outstanding balance on my barclaycard - when making monthly payments, more than half the money is going on interest - so it makes sense I think to have a reshuffle! I applied for a couple of cards online and wasn't successful, I'm assuming that this is because I have three late payments…
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Is there a limit to how many CC?
Is there a limit to how many CC you can have? After several, if you apply for more will someone get suspicious?
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0% Credit Card for MacBook Pro Retina Display advice please
Hi All I need advice on getting a 0% credit card over 18 months so I can buy the MacBook pro Retina. I would just go into pcworld and do it but then I wouldn't get the student discount that my mate can get on Apple's website. Any recommendations please? Many thanks
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william216
Hi Everybody This is my first venture into this forum and from what i have read the information is very helpful. My question is this, i have been reading up on section 75 and i understand that i am covered on any purchase over £100 direct from a supplier ie Hotel or airline, am i still covered if when the bill arrives and…
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Credit Card Q?
I was browsing the site and came across 'Stoozing'. And i think i could get this to work to my advantage.. Hopefully.. [moneysavingexpert.com/cards/stooze-cash-credit-cards] I came to the Tesco Clubcard Credit Card.. As the income to apply for it is low, Im only 18, earning very little per week, Earning under £50 per week,…
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Coop Current account /credit card problem...
Hello - Would really appreciate some help with the follow issue.... I bank with the Coop and have a credit card with them too(which I always pay off). What's happened (Thursday) is that I got a letter saying that they wont be renewing my card when it runs out in July and when I rang up to question this I was told it was…
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Transfer to pay balance
just logged into my Virgin credit card account, and I noticted I can transfer up to £4000 into my current account at 0% for 1 year (4% fee) now my balance is approx £1500 can I transfer £1500 to my current account then pay my balance with it? (so its interest free?) is this wise? seems to easy!
