-
Pay money into credit card account before travelling to avoid ATM interest?
I've only joined the forums tonight, and already this is my second obscure question! I'm off abroad soon for a week, and I have one of the better credit cards for spending abroad, the Santander Zero. The only problem with it is that it charges nearly 30% APR on cash withdrawals, even if you pay the balance off in full. So…
-
Halifax no longer allows third party payments over the counter??
I have a credit card account with Halifax which I have had for years. Yesterday my father went up to my local branch on my behalf to pay my monthly credit card bill over the counter with cash. He was told it is a new Halifax policy that only the card holder can pay this and he was turned away. Likewise if I have a cheque…
-
Cashback for Joint Capital One Aspire Card | Wedding Spending!
Hi all, I've been reading up on cashback credit cards to try and make the most of all of the money I'll be shelling out on my wedding in the next few months (all pre-saved, don't worry :) ). One of Martin's tips for the maximising cashback is to use a joint card: "Those in trusting relationships can max the gain. For…
-
Credit cards
Can you Cancel a credit card or stop it from been used by yourself but just make payments on it
-
credit card refunds
Im wondering if someone can help me, ive been trying to get my credit card details ive closed my account and have no details of my account nr or card nr etc...... how do i find all this out ??? iv contacted them but they have told me its near on impossible to get the details as they say they no longer have them ?? is this…
-
شركة نافذتك لتطبيقات الجوال...
Wow, I'm impressed. Spammy post zapped in about three minutes. Things are looking up. :T
-
Online applications Vs in branch??
May seem like a daft question, but are online applications processed in exactly the same way as applications made in branch? In theory, it should make no difference - as lenders will surely use the same criteria. However, in past experience, I have found that most of my online applications get referred - whereas with…
-
Credit cards
Good evening. I've just had a telephone conversation (cold caller) regarding credit card agreements. The caller (I didn't get the company name, but did 1471 to get the number, which I noted), told me that if I have a credit card to which I have signed an agreement before 2007 and I owe more than £1000-00, I no longer have…
-
VISA: "Online shopping is as safe as the high street"
Shopping online is safe right? Of course not we all know the risks of shopping online and how to avoid being the victims of fraud or buying fake / replica goods. But it is reassuring to know that even with those risks you are covered if you shop online using VISA because as they state "Online shopping is as safe as the…
-
Not eligible for the electoral roll
Hi, I'm a Norwegian national going on the 4th year here in London. As a Norwegian i am not eligible to be registered on the Electoral Roll. Sometimes this affects my credit applications etc. Here is what i'm thinking of doing: Writing to HMRC to get a confirmation of my adresses Writing to Experian etc and ask them to add…
-
Barclaycard application of payments
I have balance transfers on my barclaycard at 0% and 6.9% but have also made a few cash advances. Where I have made the cash advances, I have paid them off pretty quickly, as they attract interest from day one. However, Barclaycard have been applying the payments to the balance transfers not to the higher rate cash…
-
HSBC rate increase - can I do anything 3 years later?
Hi We entered a DMP with payplan nearly 3 years ago. HSBC credit card accepted our reduced offer and we've been paying it ever since. However, I've stuck my head in the sand a bit with it all and only just started to have a look at what's happening with our account. It seems that when payplan wrote to HSBC they immediately…
-
Barclaycard 1/2 price on balance transfer
Hi! I wonder whether any MSE members got the offer, even their applications were approved before the promotion started. Background: I applied for Barclaycard Balance Transfer about 2 weeks ago. My application was accepted before the 1/2 price campaign started. I contacted Barclaycard to ask if I am included in the offer…
-
How to get a next account onto a 0% card?
I have a credit card with little room left and I am looking to transfer to a 0% card. My wife has a Next account for which she is paying some ridiculous interest. I need to transfer my credit card and the next account to a 0% card. Any ideas? Ta :beer:
-
Question re 0% terms & conditions
Hi all wondering if you guys know.. I took out a RBS credit card in March 2012. Offer was 0% for 18 months or something like that. I didnt use it, so cancelled it April time. Checked my experian credit file and turns out I still have the card! Hence why I was being turned down from other companys for getting another. So I…
-
Question about 0% period for purchases on new credit card
I have had a 0% card in the past which offered 0% for 12 months but only for purchases made in the first 3 months. I notice that the current cards such as the Natwest one state "0% interest for 18 months on purchases from account opening." Does this mean that anything that I buy throughout the 18 month period will be 0%?…
-
Credit Card/Balance Transfer
Hi all Ive got a Credit card, Barclaycard, have had for years, its near as damn it maxed out (Approx £2400) im wondering if it is possible to create a balance transfer onto a new card, the only problem is that....My credit rating is shot and is currently very poor :( The reason i want to do this is the interest on the card…
-
Monument Credit Card PPI Claim
Hi, Has anybody tried to claim their PPI (Payment break plan I think they call it) back from Monument. My Monument account was opened in 2003 and is still currently open with a balance on it. The account was taken over by Raphaels Bank PLC last year but still mention Monument as the contact address and telephone number. I…
-
Quick Credit Question IE Phone Contracts
Hello, I have a contract phone currently on a 18 month contract, slowing building up good credit! Success! My question is if when it finishes I move to a sim only plan, which is for 12 months, will this also build me credit the same as a contract with a phone? Noob question I know! Merci.
-
getting cashback
I currently spend about 700 a month on my tesco credit card but have just got a capital one cashback card so I can get 100 back which is better than my tesco as that only pays 1 point for every 4 pound. I have just received an aqua cashback card application in the post which also offers 100 back... could I get this one…
