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Declined a credit card, what am I supposed to do?
I tried to apply for a student credit card with the bank of Scotland last night. After passing the initial checks, they said they were happy to offer me this card, so I completed the application. This was good, until I got an email this morning saying that I was declined. The email talks about stupid reasons why I'm not…
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credit card debt
am i able to make a 1 off lower payment to clear my credit card debt
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Vanquis Card
Hi all I recently got accepted for a Vanquis card with a limit of 250. I only took this card to rebuild my credit, however I'm not 100% sure how it works. I have heard paying of the full balance each month is good for your credit rating and obviously to stay out of debt with them. However how long would it take to rebuild…
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BT question over 2 cards
I have 2 ccs at about 75% of their limits, with roughly equal interest rates. I have been offered a 0% BT option on both, but have never done a BT before. Can I BT from CC1 to CC2, and then some back from CC2 to CC1? Will I get a 0% deal on both cards for the amounts transferred? When I do CC2-CC1, will the highest…
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Credit Card Interest - Can't figure it out!
Having finally found my interest rates for my Vanquis card, I have been trying to work out how they get to their interest amounts quoted on the statements. I can't get to anywhere near this figure, so thought I would see if someone can get to their figure for me??? It is from my very first Vanquis statement, the only paper…
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Credit card advice
Hello everyone, I'm new here and new to the world of credit card. Let me give you a bit of my background so you can understand why I'm here. I've just recently graduated and I have been offered employment on a grad scheme, but this means I have to move out of my parents house and live on my own (scary times!) I have never…
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Can I pay off 1 card with another for nectar points?
If I make a payment with my tesco credit card, could I then pay it off with my nectar credit card and still get the nectar points, and then pay off the nectar card in full?
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Credit Card Mistake!
:( hi. i was in a shop saturday and the assistant asked if i'd like to take the benefit of discounts and asked if i wanted to have a store card. i thought it was just a loyalty one. but by mistake i had got myself a credit card which i didn't want. could i have cancelled it straight away and refused it? or is it too late…
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Best card to use in Marrakesh
Hi, I am travelling to Marrakesh in August and was wondering if anyone could advise me on the best way to get money whilst there. I am aware of the halifax clarity however heard that the atm charge a small fortune for cash advances. would I be better with my debit card or cash? Any help would be greatly appreciated.
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Best Credit Card for rewards
I'm after a credit card/bank account that I will be using to put my expenses on. It doesn't really matter too much about the card as any late payment costs will be reimbursed, however I'd like something that has a linked bank account as thats where the expenses will be going to. I was really thinking it'd probably be…
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Very account 'credit rejected'
Hello, I am wondering if anyone can help, as I am slightly confused!! I applied for a VERY catalogue account yesterday and received an email saying I had been approved ' We are delighted to tell you that your application for a Very Account from Very has been successful. To help you start shopping right away we have given…
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Using a Credit Card Abroad
Hiya, I'm going to Orlando at the end of August and would like to take my credit card with me for any big purchases or as a back up just in case! I currently have a NatWest World Mastercard with 0% interest free until December - does anyone know if the 0% still stands on purchases made out of the UK? I've never used a…
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unfurnished CCA s 77 notice
Apologies to everyone if I've put this in the wrong place. I need a small amount of help: I wrote to Barclaycard first by recorded delivery, then by registered post during June to requects copies of my Barclaycard agreement. They signed for the registered post version on 18 June (the post office 'lost' the 1st notice - but…
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Using a credit card to pay Mortgage monthly payments
I pay about £1500 a month towards my mortgage payments (massively overpay!!) and i was wondering if i could take out one of these reward credit cards and just use this for my mortgage payments and nothing else and pay it off in full every month? looking for advice as im not sure if this is possible or not. thanks in…
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Salary Exaggeration?
Ive just read on here that credit searches do not show your salary, does that mean if i were to exaggerate my salary form 29k to say 45k i would be more likely to be accepted? Are there any more white lies one could use to enhance ones credit score?
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My Natwest debt has disapeared!
I transferred balances from two credit cards to Natwest, just before there system went mental. Registered for Internet banking, checked my balance & says £0, phoned automated service & says the same! Checked other credit cards and showing money has been transferred from there end. What should I do?
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Aqua cashback - when do you get paid?
Hi Just wondering with the 3% aqua cashback card, when do you get the cashback? Is it monthly off the statement or in one go? Also I know it's maximum £100 cashback per year so I'm thinking if I spent the maximum of £3333 then switch back to my Halifax clarity for their cashback. As I'm sure I will spend this much within 6…
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experian credit score
Hi does anyone have a maximum credit score of 999 if not whats the highest score you have or have ever had ?
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my step account disspears
Hi all, I got a issue on my step account. I was shopping from internet and did cancel my order. Then I try to buy something from the same site. they are all rejected. Then Natwest's fraud department contacted me for those transaction. I have explained them and they said no problem to my account. However, after that I cant…
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Very.co.uk Question
hi all first post on the board. i recently was interested in purchasing a few items from very.co.uk so i went through and signed up ready to pay straight away for my items to find that i had been issued a £1,000 credit limit. on phoning them i was advised that on signing up they checked my credit history and issued a…
