-
HSBC Bank Account
Hi all Just hoping someone may be able to help, I know it sounds obvious, but does anyone know what the following message means, i.e have I been accepted? Confirmation Thank you for your application for an account with HSBC Bank. Your application has been received successfully.What happens next:We just need to complete the…
-
Interest on interest-free balance transfers?!
Watch out for this one... I took out an Amazon credit card via MBNA some months ago. They offered an interest-free balance transfer (subject to the usual small fee) which I made use of. In addition, they run a points system which builds up towards Amazon vouchers based on the amount you spend. All fine and hunky-dory.…
-
0% Payments
Just transferred a balance to a 0% for 12 mths. I was on holiday and missed a payment by 1 day. It has defaulted to the standard rate. Can I get the 0% reinstated. They have offered me 9.9% for the remainder of the term as they said the 0% was now unavailable. Is this the norm?
-
Experian Credit Score
Hi there, Thanks for reading. I have checked my Experian credit score which was 797 (fair). This was due to 2 things: 1. incorrect info regarding the electoral registry - I am registered and voted in the last elections on my current address so just their mistake. Will just scan the document and email it to them. 2. 'You…
-
Best Visa for Travel Rewards
Hi All, I was in Denmark a few weeks back and discovered that many vendors only accepted Visa. I only have AMEX and Mastercard, although was able to get by by using my Visa debit card. I love collecting travel points so currently have the British Airways AMEX and the Marriott Rewards Mastercard, and I'm looking for a Visa…
-
How long does it take for a credit company to issue a new deal
Hello I have two 0% balance credit cards. I've managed to pay off one of the cards and the other 0% deal ends in two months I was wondering if anyone knows how long it usually takes for the credit card companies to issue a new 0% deal when you've cleared the debt- I'm hoping not to have to get another card to transfer the…
-
Visa debit overseas charges
Just wondered if anyone had any experience of excessive visa charges. I'm currently working in ghana, took money out on nationwide visa debit at a standard chartered ATM, was charged the £1 and 2% fee by nationwide separately but visa have taken a commission of over 10% off the spot rate based on xe.com. I've complained…
-
Lost terms and conditions
I recently applied to my credit card company for a copy of t & c in order to check if I could claim PPI. Had a letter in response saying the t & c were lost and therefore the debt was unenforcible. They then went on to say that although this is the case I still have to pay or my account will go into default and they will…
-
Should I close Unused Credit Cards?
I have two credits cards to my name at the moment. The first card is a Natwest card that I open 5-6 years ago simply to improve my credit rating. It has been dormant for probably 2 years now with no balance on it. My second card is a Tesco Clubcard credit card which I took out to take advantage of 12 months 0% on…
-
Credit Card Balance Transfer
Hi All, I did a credit card balance transfer from virgin to my Halifax by mistake. But Halifax refused to transfer to another credit card nor to my my current account and later agreed to transfer it to source i.e.Virgin. But Virgin says I have to pay a balance transfer fee again to re-transfer to another credit card.…
-
Don't forget to keep your credit card active
I have a LLoyds TSB credit card which I only have for emergencies or buying electrical goods online. My last purchase was a fridge in June 2011 which I paid off the following month leaving me with a zero balance. I probably have only used it for one purchase a year for the last few. I received a letter from them this…
-
My First Credit Card
Hello Here's the deal, I live in London so decided to get a commuter bike because I am sick and tired of travelling by public transport to and from work. But the problem is I need money to buy the bike, about 1500. I have never got a credit card before and was looking for advice. From what i gather this Barclay Card one is…
-
Does the Post office credit card charge interest on currency from a post office
Hi, Does the Post office credit card charge interest on currency from a post office? I know that there is no cash advance fee, however I cannot find out 100% for sure if they charge interest on the money even if you pay the statement off in full. I guess that if they do we can do a fast bank transfer the same day to…
-
Payment 1 day late recorded on Equifax?
Hi, Jst after a quick bit of advice. I have a Barclaycard which I pay a standing order amount to monthly I.e more than the minimum. I recently got a text to say my payment was late and could I call them. This was news to me as like I said I have a standing order. Anyway, I called them and paid over the phone. The payment…
-
eVanquis changes
Vanquis has updated its eVanquis online service. It appears that users can now download a copy of their paper statement. They've also added a new link to the menu on the left: Financial difficulty: "If you are finding it difficult to make your payments at the moment, please let us know by sending us a message..." I note…
-
Tesco credit card - default sum notice
I've received a letter of a default sum notice of £12. I've on the 0% interest for 18 months and I have been paying a fixed monthly payment of £150 each month by direct debit. On my latest statement this has been reversed, as I can see that they may have charged me in error. Does this affect my credit rating? Can I…
-
My Very First Credit Card
I am 24 and a credit card virgin. I've browsed some of Martin's guides and found the variety of cards a little overwhelming so please fire what you think could be an ideal card at me!! I have no debt, earn £26k, spend on my debit card and will be able to pay in full each month without getting carried away. I've started…
-
AMEX BA premium card
Hi. I just got my AMEX BA Premium card (the one which has a yearly fee of £150. But I have a question and its not made clear. I asked the operator if there are any other fees or charges and she said not at all. I also have a mastercard gold card and AFAIK, there are no charges on that. no fees (unless you pay late…
-
0% interest free credit card period
Prob a daft question because haven't seen anyone else ask it but with eg a 12 month period, when exactly does the 12 months begin on the day of the first purchase or when the date the card is issued?
-
Very Catalogue Advice please
Hello Not sure if i'm posting in the right area...... I have a Very Catalogue with a high APR of 49.9%!!!! Firstly if anyone knows, can i ask this to be varied? Secondly i am a bit concerned about the way they apply interest? I have my statements online and havent really been checking them as much over the last few months…
