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Question about interest charged on foreign withdrawals
Hey, I'm about to leave for New Zealand, and have just got myself a Halifax Clarity credit card for spending abroad. My question is about the interest charged on ATM withdrawals. My interest rate is 21.9% on withdrawals, which I have to pay no matter if I pay the balance in full. What I need to know is- if I were to…
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Template help
Hi everyone Is there a link to fine a template for telling a bank I want to offer them a final payment on my. Credit card that is less the I owe? Please help! Pepe:)
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Natwest PPI
I took out a Natwest credit card and applied it through the post. I was sold PPI. Is the any claim for PPI for me as it was on a non advise basis. Thanks
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Nice going there, MBNA/AA
If I click 'Statements', it says my latest official statement is May 2012, ie, the one thats already been paid. And my latest transaction window has now cleared, as apparently, they are now on my statement, which doesn't exist yet. Hopefully, this'll all get fixed on Monday! But still pretty good going for a site which…
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Credit card for building credit history when you have no credit history
I am quite new in UK and I would like to start building my credit history just in case. I think the best way to to that is to get a credit card and start spending and repaying. I doubt I could get one from high street bank as I have no credit history at all, except for two credit checks when opening my current bank…
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Santander 123 Credit Card
Is it free to use my Santander 123 Credit Card abroad? Or is there a charge?
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Credit blocking
Is there any way to stop someone from PERMANENTLY being able to get credit cards? A relative has had a serious head injury and is under the court of protection for his finances and his wife is his deputy. He is always getting new cards and running up more debts and if he carries on this way, won't be able to pay them. Can…
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Do I have to pay credit card fee?
Hi Guys, Some advice please if anyone can advise I'd be really greatful..... Wife and I paid First Choice for a last minute break, using our credit card. At point of sale we were told a credit card fee of £45 would apply. This amount appeared on a receipt so we assumed it had been paid. Long story short, we were really…
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Credit card charges buying gift vouchers
Hi, first thread. Apologies if this has already been answered, searched and didn't find anything. My question is, as we know cash withdrawals or purchases on a credit card will get you stuck with the fees, does that also include buying gift cards, vouchers? I'm wanting to get some gift cards from tesco and put them on my…
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Capital one credit card
Can anyone help? I have had a capital one credit card since 2003, the balance has been cleared since 2006 and not used since, anyway I tried to do a balance transfer the other day through my online account, I was asked to call it went through to the Fraud centre which I could understannd as not used the account for a…
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Vanquis Credit Card
Can anybody tell me, my friend has a Vanquise Credit Card she has received her pin number but not the card... has it been lost in the post or doe's it come later I cant help her with this as I don't have credit cards many thanks :D
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Need help shifting a balance transfer
Hi, long time lurker first time poster. I have a debt of 1.2k that I need paying off, my card is coming to an end (next month) and I need to get a low or 0% BT card fast. So far I've applied for the Halifax Clarity - got accepted but instead of the 2.9% for BTs I got given a rate of 12.9%. I wrote back to them and said I…
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Not paying the full monthly amount
If I change from paying off my credit card in full each month to the minimum, will this show on my credit rating and will it effect my score?
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How can i pay the plumber.....??
Looking at installing a new central heating system. Ive looked at the bigger firms who can you offer finance and accept credit cards etc, but the cheaper quotes are from the local plumbers. The problem is the local plumbers only accept cash or cheque. Is there a way i can use my credit card to pay for this without…
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What should I use a fairfx card for?
I got one of these when it was free to book flights with Ryanair; now I've £42 left on it and I don't know what to do with it. Any tips of best value way to spend this money?
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Keep getting 'pre-approved' offers for credit cards & we went bankrupt 18 months ago!
I am new here, so hi :j And apologies for this rather long first post... My husband and I went bankrupt in November 2010; long story, but it was our only option, and all our debts were written off of course, but we were left with a bad credit record, (after 30 years of good credit!,) and we couldn't take out loans or…
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Lloyds credit card application
Is there any difference between applying for the Lloyds avios credit cards directly from Lloyds internet banking, and through topcashback (which leads to the avios website)? The online forms are slightly different.
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help!
My Barclaycard Platinum 0% period ends next month. I also have debt from my 'spending' card that I'd like to shift (total of both comes to just under 5k). B'card are offering further 6 months of 0% on a balance transfer or 6.9% on lifetime of total debt. I want to rationalise this debt and get it in one place. Maybe switch…
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Starting to panic - can't get any more 0% bal tfr offers
Hi I'm just wondering if anyone else is having the same problem. I currently have 4 credit cards which total £8k but now all my 0% balance transfer offers are coming to an end and I cannot seem to get a new credit card. I have applied for a credit card and a loan since January and I have been declined for all. I've always…
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If vanquis turn you down is it done automatically?
or do still get the message re:getting a phonecall in the next few days? Just applied to try and build my credit rating and it said I will get a call in next few days, they also sent me a credit agreement thing via email. Is this generally a good sign of acceptance or do ppl that get declined get this message too?
