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Weekend Payment
Hi, I just realised that my payment is due by the 30th (Monday) if I send the full payment tomorrow (sat) or the 29th (sun) will it still go through for the 30th without missing payment? Thanks!
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Experiean & Equifax - who can update them with credit info?
Hello, Who has the ability to update the main credit agencies with information on your credit history (missed payments, amount loaned etc..)? I've searched MSE and Google, all I can find is that 'Banks' and 'Lenders' have this ability, but there's no further qualification. Is it anyone who extends you credit? So I could in…
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HSBC taking money from card not spent by me
I was advised mid-July that my credit card with HSBC (which I've had for over 10 years without any problems) was showing four debits - one to Thorpe park and three to Play.com. It has been INCREDIBLY difficult communicating with the Bank's Fraud department and having any kind of purposeful conversation with it by phone. I…
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Why are Barclaycard so stupid ?
Last month, and today, I got an application pack through the door for the Barclaycard Initial credit card. Fair enough. I've had my Capital One credit card for nearly a year now, everything always gets paid off on time, I've never been in debt and never missed any payments. According to price comparison websites, and…
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Morgan Stanley / Barclaycard?
Some years ago I had a Morgan Stankey credit card, and for the life of me can't remember cancelling this card as I don't have it any more. Did the Morgan Stanley credit card get taken over by Barclaycard? If so, when did this happen?
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Do Santander owe me?
Hi, First post, so please excuse if this has been answered before. Anyway, I have a Santander zero credit card, with a £2000 limit. My balance is currently at -£317.09 and it says credit available £2317.91 What exactly does this mean? Does it mean I've overpaid by £317 ish and if I spend this using my card I owe nothing?…
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Barclaycard Balance Transfer Offer
Hi All, I have had a BC platinum for 1.5 years which offers repeat BT offers. I now would like to take advantage of a 1 year BT offer and have the ffg questions: * Can I transfer a balance from two CCs or just one? * With a BT fee of 2.9%, will my first repayment be the minimum or whatever I choose to pay above this + this…
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What constitutes a 'purchase' for 0% purchases?
We are thinking of applying for a 0% purchase credit card to buy a new boiler. However, when speaking to my existing bank I remember he said "for RETAIL purchases". I didn't think about it at the time, but what constitutes a retail purchase and would our purchase from British Gas come under the 0% purchase banner. Thanks!
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Still Charged For 0% Halifax Card
Hello Maybe someone can correct my understanding here. I have just obtained the 0% for 22 months Balance Transfer Halifax card. I transfered my Nationwide credit card to it (about £1500). I was told that I would have to pay 1% per month as a minimum payment. I was expecting to be able to not pay anything for 22 months.…
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balance transfer into patners name???
I currently have a card which I want to tranfer the balance of, barclaycard looks likes a great deal but as I'm on maternity leave won't meet the minimum earnings required, can my partner apply for the card and tranfer a balance from my card?
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Question for Barclaycard users
I just got a barclaycard recently (first credit card) and my minimum payment for this month is £10. I paid £20 off it yesterday. My available credit has gone up by £20 so it has been registered but it's still saying the minimum of £10 is due. Hopefully it's just the system that needs to update. Could someone let me know if…
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County Court Claim for Old Credit Card
Hi Folks I need some advice please - here's a summary of my problem: 1) I moved house in 2008 and informed my bank of change of address but stopped receiving credit card statements etc (From the same bank) 2) I have now received a County Court Claim for £3,155 (the balance on the card) plus £1,108.49 (Interest charged…
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Rebuilding credit history .. which card(s) to cancel
Was BR in 2008, cleaned file post discharge in 2009 and have the following lines of credit since then, all handled perfectly and balances cleared each month: Three mobile phone contract Flybe (Sygma) Mastercard with £1900 limit Creation (Sygma) Mastercard with £5000 limit Capital One Visa with £2400 limit Which of these…
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Balance Transfer Query
Hey all just need a bit of advice really. I have shifted my Barclaycard debt onto a two new cards that are 0%. One has 11 months and the other has 22 months 0% BT. I also have an overdraft of £800. This is an arranged overdraft and costs me £1 per day. I very regulary go into it the day after pay day due to standing orders…
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Tesco charging interest during 15month 0% period
I'm on month 12 of a 15 month interest free credit card offer from tesco. My last statement had a charge for interest on the balance on the card. I called to ask why and was told it would be removed. It wasn't. I rang a second time and was promised a call back after it had been removed. Neither happened. I've now called a…
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Barclaycard will not give refund for Amazon seller
In February I purchased a Nikon stills camera from third party seller on Amazon. In June I found the video function was not working, I had not tried that functionality before then. I contacted the seller several times but have had no response and I am beyond 90 days so cannot use the Amazon A-to-z Guarantee. Now my credit…
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nationwide mistake
can anyone help don't know what to do now.. I was hit with nationwide double visa payment only I had won 240.00 on line casino and it was paid in to my account twice... I thought it was the casino company and thought great their mistake went out and bought a new cooker... nationwide have corrected it and im now over drawn…
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Virtual Credit Cards Discussion
Hi, I would like to know your best choice for virtual credit cards. Please provide your information.
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American Express Acceptance
Hey guys, I know Amex acceptance is not brilliant in Spain (Wasn't last time I was there), I was wondering if it had improved since I last went (2005) and if it is accepted at major supermarkets and petrol stations and if restaurants tend to take it?
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How long will a missed payment and arreas payment effect my credit score ??
Hello, Am peed I have done really well over the last 7 years to get my credit back to a decent level, I still have bad credit cards which is all I can obtain. done pretty well with these cards always paid them apart from June of this year when I accidently paid the wrong card and end up paying my other one twice my fault…
