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Best Cash Back Credit Card For Me
Hi, For the past year I have used my Barclaycard (only £1,000 limit) thinking it was a cashback card but obviously I was mistaken. I tend to pay for most things with my Barclaycard so a good £800 is used, but then cleared by the end of the month to cut out any interest. (I sometimes leave 50 unpaid just to give the bank a…
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£100 cover on credit card
Hi guys! I bought some goods from an internet shopping site and spent £170 on my credit card. I then returned around about £120 worth of goods as they did not fit (clothes). Basically long story short, I was only refunded £50 because £70 worth of stuff "disappeared" Whether it was stolen through royal mail or they have…
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Mastercard (debit card) refund to an expired card
I have recently cancelled an insurance policy and I have had a refund sent to a card which has expired. My Mastercard expired last year as my new card started which is normal - I didn't realize that the number changes on debit cards (credit cards do not). The insurance company have said that they have sent the refund to…
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How does credit card interest work?
Hi there, I've only ever used credit cards for their promotional rates but my current card's rate is due to end and I'd like to work out what the monthly interest is going to cost me... I have approximately £320 of new purchases left on my M&S card (15.9%) and I expect to clear that next month so I should only accrue 1…
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MBNA Balance Transfer Offer
I have noticed on the MBNA website the credit card offers new customers 0% interest on balance transfers for 20 months with a 2.85% handling fee. It says to qualify balance transfers must be made within the first 60 days of opening the account. Does anybody know when this 60 days begins? Is it the day you phone up and are…
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Searches and Accounts
Hello there. Just after some information really. I applied last week for a Vanquis Card and got the "We'll be in touch" message. After phoning them I was accepted and was very pleased. I checked CreditExpert and Equifax and only CreditExpert had registered the search. Fast forward to this week and the Account is showing on…
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credit card query
Got a bit of a unusual query, I think? We used to live in England and have a credit card, we have since moved abroad and have got quite an amount still o/s on the card. We have a bank account in england, but have VERY little money in it, obviously because we don;t have any money going into the account now. Therefore we…
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credit card charging a late payment fee for early payment
Hi, I have a CC with intelligentFinance, I have been paying every month by standing order on the 2nd of each month. The payment due date is usually at the end of each moth and it varies from 26th -30th of each month. My CC company credited 2 payments (2nd March and 2 nd April ) to one month-March and charged me a late…
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fair credit rating cant get credit card
hi guys im after a credit card my rating is 431 on equifax and last time i checked on experien it was fair about 750 i think i am getting declined for every card i apply for even though i have had loans cards and mortgages which have either been settled or are being paid off without a payment being missed ever and on time…
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Why am being refused a credit card?
Hi I have previously applied for a tesco credit card and a halifax credit card. Both were 0% on purchases and came with benefits like tesco clubcard points. I put it down to bad credit as I struggled to pay my phone contract a few years ago when I came out of work but I have checked my credit score and it is good. I…
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Credit Card Debt
Are you at risk of losing your house if you can't pay off your credit card debt.
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Credit Rating Age Messed up
signed up to credit expert to check my credit rating. there were 4 credit agreements held, two with natwest and two with SHOP DIRECT FINANCE COMPANY LTD. the SHOP DIRECT FINANCE COMPANY LTD showed my DOB as two years older stating im 20. i think when i was 16 or 17 i might have applied for a account with very.co.uk…
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Refund Question.
Does anyone know... for example; I have a £5000 purchase I made on a credit card, I was paying intrest on this for ... 3 years and the intrest was £400 lets say. If the £5000 was refunded 3 years later. would the credit card company then refund the £400 in intrest, as the purcahse was effectivly cancelled. Thanks for your…
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Do refunds reduce the balance to pay on a statement?
I always pay off my balance each month - but last month I had bought loads of stuff to try on for holidays. My returns crossed over after the statement was produced. The final balance is fairly hefty and I am struggling to pay it all. Can I reduce my payment by the amount of refunds that have been processed after the…
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default payments
Is a late credit card payment the same as a default payment? any help appreciated.
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Aqua site now marbles?
Confused.com
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MBNA AMEX Reward card
Hi All, I had a MBNA Sony card a while back, and when MBNA withdrew the Sony card, they offered a MBNA AMEX rewards credit card in its place. I have had this MBNA AMEX rewards credit card for a few months and now debating whether to keep the card or cancel it. The problem is I cannot seem to find any links to the benefits…
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Accepted for Aqua reward card but having doubts
Hi all Recently been accepted for the Aqua reward credit card to take advantage of the 3% cashback, however i've started to have some doubts & was hoping you could help me out. I have a couple of other cashback cards already & don't really need another one & i'm concerned that with obtaining the Aqua card i may be…
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New credit card advice please
hello, i have one credit card with a limit of £1500 - it is pretty much maxed out however i do meet the payments each month. my credit is fairly good now. i would like to apply for a new credit card - will the fact i am nearly at my limit affect my chances of this being approved? thanks in advance
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What exactly is Purchase Interest on a Capital One credit card?
Each month I keep getting charged Purchase Interest in addition to the Cash Interest on my Capital One credit card. What exactly is Purchase Interest charged for? Do I receive Purchase Interest for any purchases I have made on my credit card in a particular month or is it charged for all purchases I have made this year? In…
