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credit card transaction
i made a transaction in error to a flight company and as soon as i made the transaction in error for a flight i didnt want i contacted the company in question only to be told they would not refund me the money even though the flight in question is 10 months away. Can anyone advise if i have any comeback
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Which C/C for low cost big spending?
Hello, I will be returning my company credit card later this month with the intention of getting one which will help build my credit and earn me some rewards. Normal work expenses will be around £2000 p/m with me putting on as much as I can (shopping etc), and of course will be paid in full at the end of the month. Will I…
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Reducing Credit Limit
Hello I have finally paid off my credit card :j I would like to reduce my credit limit but was wondering if this would have a negative impact on my credit rating? Thank you :)
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Backpacking Credit Card
Hello! My friend and I are going to be travelling from October for over a year. SE Asia, New Zealand and India. Any advice on the best credit card to take? It would mostly be used as back up, but being the sort of people who don't really use credit cards, I would really appreciate some advice.
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settlement figure for credit card on a plan?
Can anyone tell me if there is a formular to be known to see how much a credit card company will accept to settle and close an account that is on a payment plan. I have one at £2500 and wondered if i was to offer £1000 (as i got some ppi back) if this would be accepted. i dont just want to offer £2500 if they would accept…
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Paying Tesco CC online
Hello. A few weeks back (just after the big change) I tried to add my debit card to my Tesco CC online account so I could make payments without having to phone up. It automatically put my card type as "Delta", and there was/is no way to change this. However, the card is a Visa debit and I now find myself unable to make…
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Balance transfer from spouse
My wife has around £6,000 on a Nationwide 0% credit card. She is just starting a new job after a career break so doesn't think she will be eligible for a balance transfer. Can I transfer her balance to a new 0% credit card, applied for by me, in my name and on my credit history? I have a regular income.
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Spending overseas on a UK card
Hi, I am heading overseas for 3 weeks later this year to Canada and I would prefer to do most of my spending on a credit card because of the added protection it offers and because Hotels/car hire etc... often require one up front. My question is which card is best for use overseas and does anyone know which is the cheapest…
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can someone tell me what purchase interest is
i am being charged about £7 a month purchase interest is I havent used my card for about 2 years as i am trying to clear it, i have got it down from £1000 to £200 but get charged this purchase charge plus a cash interest charge
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Unauthrorised debits...or not?
I recently had a letter from Green Flag advising that my breakdown cover is due for renewal. At the bottom of the letter it commented that as I was already paying "by continuous payment", I did not have to do anything as they would renew the cover automatically using the existing card details they have. I was surprised by…
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credit card or euro's?
I am going to spain next month, the hotel needs to be paid when we arrive, should I pay in euro's or on my Aqua Credit Card? thank you
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Ace academy rip off, natwest don't want to know
Hello experts, I need some advice. In Feb 2011 I paid £629 to Ace Academy Tuition services for my four year old to receive extra help. At the time he was not in school as he was due to enter reception in Sept 2011. I thought I could give him a head start. When I called they had told me that they would assess him and that…
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Priority Club Rewards Visa ?
I was looking at the Priority Club Rewards Visa on the Barclaycard website, and it say's thats it is most suited to those with "good" credit history. What do Barclaycard class as "good" history ?* I'm 20 * Make roughly 19K * Live with Parents * No missed payments * No debt I have also had my Capital One Progress card since…
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Cashback CC Application (Amex?)
Hi guys, I want to apply for a cashback CC some point in the near future - probably the Amex Platinum - and have a couple of questions that I'd like to ask your opinions on: 1) I've applied to Amex in the past and been declined (most recently Jan 12) - what do you think is an appropriate cooling off period before applying…
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Cash Withdrawal Interest Rate
Hi, Recently I've gotten myself into a bit of a weird financial situation. My income has been cut off and I won't be receiving money for a few months. I literally have no money now. I need to borrow some money to keep me going until September when I start getting money again. I have a Capital One credit card with a credit…
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Santander cashback on returned items?
Does anyone know what happens to the cashback earnt when we return an item for a refund? I wasn't thinking of just a box of eggs bought from a supermarket, more along the lines of an electrical item from a department store. Surely we're not allowed to keep the cashback are we?!
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Minimum payments
Hi, is it law that the minimum payment on credit cards should be the interest plus 1% of the out standing balance or just a guideline? I owe £5,500 on a Tesco credit card but the minimum payment is normally about £113 a month with approx £85 in interest added on so my payment doesn't dent the balance. I do make additional…
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MBNA credit card causing a headache!
I have an MBNA credit card, with a monthly direct debit from my current account with LloydsTSB. I cleared the full amount outstanding on the card, on the 20th June. (around £1200). On the 5th July, a direct debit was taken for about £58.00, by MBNA, which put my current account overdrawn. This will result in about £50- odd…
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Increasing my credit card limit?
Hi guys Just a quick question. I'm looking to improve my credit score and I've worked hard over the last year to improve it dramatically. I currently have a credit card which hasn't had any balance on for the six months. It's set at £5000. I've read about how credit score can be improved based on the debt to credit ratio -…
