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Refund for overpayment
I have overpaid on my mnba CCard. Anyone experience or know how to get some back?
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Aqua Credit Card Problems
After much anticipation my AQUA credit credit card arrived this morning. I was really quite excited to earn 3% cashback on purchases and spend money overseas without the usual 2.99% foreign currency load. As of 7pm today, my new credit card has been shredded. let me tell you why... 1. The first problem I encountered was…
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Ppi declined from capital one
In 2002 I opened an account with capital one credit card aged 18. I did not ask for ppi insurance and my application states this. When I have tried to claim back the ppi their final response is that I took it out over the telephone when I activated my card and supposedly said yes to ppi. I was 18 at the time and this was…
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Travelling 'pre-loaded credit card' query.
Hey everyone, I need a bit of help! I am travelling to America in December and I cannot decide whether to invest in this 'pre-loaded credit card' now or later? The website is called 'My Travel Cash'. I would like to wait closer till the date, however I wouldn't want to miss out on the good exchange rate. I know noone can…
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Does anyone have the Halifax Clarity Credit Card?
I'm soooo confused! This is my first ever credit card (only one I could get!) and I'm trying to set up a direct debit with my phone company to pay my phone bill off this credit card. They want a sort code and account number. I don't have either of those- not on the letter/online or on the credit card? I rang halifax they…
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Credit Card for Recent Graduate
Hi all, I'm currently in the process of finding a suitable credit card and wondered if you guys could help. I'm a current Postgraduate student having already graduated once last year. I've checked my credit score and it's good but not amazing 3/5. I have 4 bank accounts: 1 graduate account with HSBC (overdrawn but within…
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0% credit cards
How can anyone rack up £000's on loads of different credit cards? I have just been turned down for three! I only want to balance transfer £1000 - the problem is I rented a house before I bought, so I have two addresses within 2 years. The fact that I earn +£30k p.a. and have been with my present company 17 years obviously…
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Nationwide Credit Card
Hi Money Savings, I had Nationwide credit card about a year ago but cancelled it after my BT deal ran out. Does anyone know if I reapply will I able to get 0% deals or do Nationwide only offer these deals once? :j:j
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is it possible to keep credit card agreement if i move abroad?
Basically, I possibly might have a job in Canada, I've got through to the interviews of which there are 25 people competing for 10 visas. So whilst nothing is guaranteed, I do have a 40% chance. Thing is I currently have a £9,000 credit card here, balance fixed for life at 4.5% I'd like this not to change if I move abroad,…
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Section 75 refund query
Hoping someone can help: I am requesting a refund from Barclaycard under Section 75 and have read the very helpful guide on this site with template letter. I had already phoned Barclaycard and they sent me a form to fill in for any queried payments. Would I be better just to send the letter as the form does not refer…
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Transfer partners debt onto my card?
Hi all My partner cannot get a 0% deal on a credit card. I have 2 credit cards which I was going to cancel as I have cleared the balance on them, but thought about maybe BT'ing his balances on my cards. He is getting charged about £25-30 in interest on 2 cards, but if we move the balances onto my cards, they will be…
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American Express Preferred Rewards Gold Card
Amex are advertising this charge card with 1) annual fee free in 1st year (normally £125) 2) 20,000 points if you spend £1000 in the first three months 3) Transfer points to over 15 major frequent flyer and hotel programmes I am only interested in the 20,000 points to transfer them over to the BA Exec Club, and I will be…
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Canceling credit cards to get new ones
Hi everyone, I am new to this forum so apologies if I am posting in the wrong place, or if this is a repeated question (I have done research and failed to find an exact answer to my situation). Ok so my situation is: I have about £4000 worth of credit available over 2 credit cards (Halifax £2400 and Natwest £1600). I don't…
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New ASDA Money cashback card
I have an existing Asda credit card which gives me 1p off a litre of petrol - which is all I use it for. A letter arrived from Asda today telling about their new cashback card, but it's incredibly vague about what happens to my existing card, which is run by Santander. If I want one of the new cards I'll have to apply from…
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Credit Card for unemployed mature student
Hi, I am currently on long term sick with no income, I am on benefits and need a credit card, I also have just been informed that my interest free overdraft has been removed. Any help would be much appreciated.
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Aqua Card on credit file look bad to others?
Hi all I've recently got the Aqua 3% cashback reward credit card but was wondering, would having a sub prime credit card on my credit file look bad to other providers & potentially deter them from offering me their services? Thanks alot
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Credit card in credit, when do they pay this back?
I paid off my credit card fully recently, but then the minimum payment direct debit went through the next day. So my card is now about 35 pounds in credit. I will not be spending on this card again, so when will they pay back this money? It's a Barclaycard.
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Additional payment to credit card
Apologies if this has type of query has been posted before. I have just paid £ 1100 to my C C account AFTER my statement has been sent on 12 July. I pay the full amount owing by direct debit each month. The balance on the statement will obviously show the full amount before the deduction of the £ 1100. My online balance…
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How can I get my interest rate down?
I was made redundant 3 times in three years. I took my last job at a £6k pay cut as it was the only one I could get at the time in my line of work. It takes me about 2 hours to drive there every day. (Moving is not an option right now.) I have had to put loads on my cards just to pay for the fuel to get there (about £80…
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Previously defaulted creditors
Hi I was in an IVA several years ago, it's been successfully completed and all relevant entries across all 3 credit files have now been removed (court info, notice of corrections, defaults etc). My files all show as being 'fair' but they're all clean (no late payments etc), but I'm not worried about the scores in and of…
