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i owe provident money will this affect my chances of getting vanquis card?
i owe provident money will this affect my chances of getting vanquis card? this happened about 4 years ago (oweing provident) it doesnt show on my credit report but wondered if any of you out there have a long outstanding debt with provident but have been sucessful in getting a vanquis card.
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will aqua reconsider another application?
i applyed about a month ago and was turned down i think because i had an unsettled default on my account. it has now been satisfied, just have to wait a few more days for it to show on my credit report. once it shows it, could i reapply before the 6 month period and have a positive outcome?
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Capital One nightmare RE card fraud
I have been really ill the last 2 years and in and out of hospital, I have had a lot of thefts from junkie neighbour who has been applying for credit in my name. I recently have been harassed by this company about alleged "arrears" turns out someone had spent my entire card limit of £500 and as I only get 1 statement every…
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Fraudulent transactions on your Tesco credit card
If you use your Tesco credit card when travelling please make sure you have an alternative method to pay any bills you may incur. Why? Tesco uses a fraud detection system which will automatically put a block on a credit card if it thinks there's been a fraudulent transaction However, Tesco's Fraud Department is only open…
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Non-compliance fees
Are there any merchants out there that have figured out why we have to pay a non-compliance fee when we do not take card details either by e-mail or over the phone? Surely the transmission of data from our card machine is the responsibility of the card machine supplier.
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Time to ditch and switch my Student Barclaycard?
I've had a Student Barclaycard for a few years now, but I graduated in 2009 and have been in full-time employment for a year and a bit now. The interest on it for purchases is ~27%, but I usually only buy petrol from Shell with it for the Reward points and generally always pay it off in full each month, so I'm rarely hit…
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Credit Card Novice
Hi Guys I am a bit of a credit card novice and need some help. I have a Barclaycard platinum card that has a 0% on purchases which finishes at the end of August 2012. I have spend £2000 on it, and it has an Annual Purchase Rate of 18.90% and a Cash Interest Rate of 27.90%. Does this mean I will start paying interest on…
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grandparents credit cards/debts
My grandparents have a couple of credit cards with debt totaling about £18,000 now, they cannot afford to pay these off along with the mortgage. My granddad is retired and receiving next to nothing and my grandma is 63 and working but minimum wage. They barely have enough to live. I have taken on paying their credit cards…
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Claiming Credit Card Charges
Hi In the past I have had a number of credit cards and a few years got into financial difficulties, as a result I :ohave entered into a debt management plan. I know I am able to try and claim back charges levied on these cards but would it be wise seeing as they are subject to the debt management plan. Would I be looked on…
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Capital one cashback
Hi All, Just looking at closing my Capital One aspire card that I took out mainly for the cashback. On my statements it says that cashback will show on my January statement, does anyone know if I cancel it now will i get the cashback paid to me or do I lose it? Many thanks
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HELP, Credit card interest BARCLAYS
Hi there i have had a barclays credit card for years which started with £500 limit I reached that limit and continued to pay the min payment,,, been doing this for years (havent used the card for years) however i am getting charged about £10 a month because of the previous charges the amount went over the authorised £500…
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Barclays Credit Card Application - Not sure if rejected?
Hi all, I just applied for the Barclaycard 'Initial' card and after clicking submit I was shown this on the 'decision' page http://d.pr/i/tThv It doesn't tell me whether i've been accepted or rejected but rather just tells me they work closely with Apply With Confidence and that I should check out their products.. Any…
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Nat West Visa. Is this right?
I'm just checking out that my understanding is correct. My wife's credit card was taken out last year with a 22 month interest free balance transfer. She's used it for work expenses, and as a result a small amount of interest has been charged, which I understand. However payments made to the account have been taken off the…
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from payment plan back to normal
hi i am on a payment plan with barclaycard. in the next few months i hope to go back to being able to pay normal monthly payments of 2.5% of outstanding balance. i have never missed a payment. interest has been ssuspended for last three years. would i be able to go back to the account being in a "normal state" after a…
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aqua id.
Hi peps i have been accepted for a aqua classic card, i don't have a passport or driving license and need something to prove my address now i have been onto this call centre 4 times already and everything they said will be accepted has not been. I was wondering if anyone knows if aqua have an id table that i can check as i…
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virgin credit card
hi i am just wondering if anyone else has got this with there credit its not called ppi but its called lifestyle cover which sounds just like ppi do i have to right to claim it back?
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Barclaycard cut off for late payments
Hi Guys, I will keep this short and sweet. My Barclaycard bill was due 02/07, I called them at lunchtime and asked if I can pay on debit card, to which they said yes and it needs to be today. I got home after work and paid as expected (I cut it a little fine and I realise this now). The person who then processed the…
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mackenzie hall/vanquis
Hi all I am new to the forum so I hope you can help and advise me. I have a debt with vanquis (yes I should have known better) for £446.85 which has been passed to Mackenzie hall,I have sent them a e-mail offering them £25 per month as I am presently on JSA and this is all I can afford. A few hours later I receive a e-mail…
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Can I pay my Halifax rewards credit card by direct debit from a non-Halifax account?
I've recently upgraded my Halifax "all in one" card to a rewards/clarity card. I've received the direct debit agreement which just carries on from the "all in one" direct debit arrangement linked to my Halifax current account. Can I ask them to take the DD from another (non-Halifax) account or does it have to be linked to…
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Can you have TWO amex cards????
Hi. I currently have an MBNA United Airlines Amex card. I have been using it for a number of years to collect star alliance points to boost my points earnt on flights. It has taken an age, but I now have enough points to redeem for two business class flights to America for me and Mrs MikeTaff. The card will then be…
