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Cancel pending application
The other day I applied for a Capital One credit card. After some problems with my browser I had to fill in the form twice. In the post a few days ago I received my credit agreement which I signed and returned. Today I received the same letter with a difference reference and a new credit agreement. Presumably my online…
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RBS, Halifax, NatWest, Lloyds... Multiple cards?
Hi, I am thinking of applying for the 18month 0% spending credit card available from RBS/NatWest. Ideally I want a credit limit of at least £3k. I already have a 3k credit card with Halifax. To add to the mix, I bank with Lloyds, who regularly send me letters offering me guaranteed credit limits on cards and loans. As they…
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Tesco credit card help
Hi, recently got a tesco credit card so i could transfer a balance of 700 onto it. 18 months interest free on balance transfers so think i got a great deal! Its 3 months interest free on purchases. Would this mean if i purchased something today, paid it off in full in 3 months i wouldn't get charged any interest? Thanks!…
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How many credit cards do you have?
After doing my latest round of balance transfers i now have quite a few credit cards, just wondered how many other people have and the reasons for each card. My cards now are: RBS platinum £5000/£5100 0% 22 months, Halifax £2350/£4600 0% 4 months remaining, Nationwide £2475/£3200 0% 20 months (new card only just arrived)…
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monument
i have been trying to claim ppi back from monument which is basically barclays i have been told that monument didnt do ppi but they did do pbp after a few month going from monument to barclays and back again i have received a letter from barclays this morning saying that because the circumstances of which it was sold or…
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capital one default notice for £8
Ihave just found out that i have been defaulted for an outstanding balance of £8 which was interest thats all which was on the account and we have been charged on top to the tune of £25. Now this was a genuine mistake we never received a default notice email or phone call stating we owe any money or were going to default…
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Capital 1 secured vs cash builder plus
Hi all, I have a pretty poor credit rating, I have around 6 defaults, 3 of which are satisfied and the other three which I hope will be satisfied soon, they vary from catalogues to pay day loans (stupid, I know,.. Wish I was a member here before taking them out :( ) I'm trying to build my credit rating back up, currently…
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Credit limit increase
Hey all, I've had letters from two of my Credit Card companies today about increasing my credit limit. Now, first there no chance of spending on those cards, they are on long-term 0% deals and I'm over paying the minimums each week. So my question is, should I accept the new limits or keep them as they are? Will my credit…
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Limits
Just some Advice please My wife has a mbna card with a very large limit but a smallish balance we are trying to move the balance to another 0% card but can't get a big enough limit! If we were to reduce the limit on the mbna card would it help boost a limit on another card we apply for? Hope that makes sense
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Part paying for a holiday by credit card
If I part pay for a holiday by credit card do I still get the same protection as if I paid for it all by credit card? I am thinking this because they stick a hefty whack on for paying by credit card. Thanks Simon
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new card trick (possibly)
update: method works all available balance transfer from Barclaycard to current account at the normal balance transfer rate (i. e. not the money transfer rate), via an MBNA card going into credit. in a nut shell: transfer money at balance transfer rates to another credit card that has no balance, putting it in credit. Get…
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Laura Ashley PPI claim
I have just realised that ayear ago i cancelled "account cover premium" on my Laura Ashley card is this the same thing as PPI?
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Balance Transfer or pay off from ISA?
Hi All, I was wondering if someone could help me work out the better route to follow. I have 3800 pounds that has been sitting on a Natwest Credit card interest free for 13 months and the 0% expires in 1 months time. Should i pay this off by transferring 3800 from my ISA to the card, or should i do a balance transfer to a…
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Post office credit card
Whilst the post office credit card may be great to use overseas, be warned. Their customer service is terrible, they treat you like their doing you a favour and are very rude. As its not run by the post office they don't care even if you've saved with them for 40year - take care
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Helping out the mother-in-law....
Hi guys. Just a quick one. My mother in law is currently paying extremely high monthly credit card costs and she has a poor credit rating so has no chance of getting another card to balance transfer to. I want to help and thought that if I get a credit card, she could transfer her balance to my new card. Is it possible to…
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RBS/NatWest YourPoints World Mastercard - 0% on Purchases for 18 months or 13!!?
Hello MSE-ers! Just a quick warning for anyone who has recently applied for the RBS/NatWest YourPoints World Mastercard that you may not have been given the 18 months 0% on purchase that you applied for. I applied for an RBS one at the start of June after seeing it mentioned on the credit card page of MSE and have just…
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Bump: Capital One payment dates
Faster Payments made to C1 will be received by their bank seven days a week. Their cards' due dates will fall on either a Saturday (twice) or Sunday (three times) five months during 2012. - also making use of all the days of the week. They are clear on their statement information that a cutoff of 5.30pm (on the date they…
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Monthly Payment Question
Hello All, I think i'm over thinking this but have a question regarding CC and monthly payments. My OH and I both have a Tesco Credit Card, in separate names. We spend on it every month and then pay it off - now I normally make 3 payments, as and when it gets a little high. Eg: £150 £200 £150 Now, aswell as these payments…
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Student term time address. Register this on the electoral roll?
My 'permanent residence' is at my parents home of 9 years however they moved house July last year and this has become my new perm. residence. I am already registered on the electoral roll for this address. I have been studying in Derby and have also registered my term time address here for my student halls(1st year) and…
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Victim of Impersonation CIFAS marker on new application
Hi, I had my ID stolen and had a CIFAS Victim of impersonation marker put on my file but this tends to slow when applying for things take an eternity. Took me 2 months to open a current account with Halifax. I was wanting to take out a second card with American Express and was wondering if I will have to go through all the…
