-
Does unused credit go against you?
Some years ago I made some mistakes with credit and ended up with several defaults to my name (though no CCJ's). Now that they have all but one dropped off my credit report, I have been working at building my credit rating and have been doing well. I currently have the following: Capital One Credit Card: £200 limit, £180…
-
Claim help!
I bought some flights in June using my visa debit card, during a doctors visit I was sent to hospital - usally fit and healthy! Need urgent major surgery, but have no travel insurance can I claim on my visa insurance if the flight company will not refund as per their policy?
-
BT Infinity Credit Checked Me For Broadband
I know this is a credit card forum, but this is related to a future credit card application. I have just been credit checked by BT when applying online for their BT Infinity 2 broadband package. I believe that this is done to see if a deposit will be needed off the applicant (no deposit was needed in my case :j). I have…
-
Cashplus Euro card
I recently obtained a Cash Plus pre-paid card for the purpose of obtaining one of their free Euro travel money cards. Everything about this Euro card looks attractive, especially the free ATM withdrawals and I was initially very impressed with cashplus and their services. That is until I actually tried to load the card…
-
Where do i go from here??
Hi all, Just a bit of advice really as to where I go from here? My virgin 20 month 0% card recently came to the end of its interest free period andin looking around to transfer to another 0% deal I looked towards the 22month 0% Barclaycard. I have about £3300 on the Virgin and applied to transfer the full balance to the…
-
Credit Card for self-employed & no income
Hi, I hope you can help me. I have just started a business and would like a personal credit card although I cannot prove my income - does anyone know of a company that offers a card without income being a criteria? Thanks very much. :j
-
Tesco CC: Already dissatisfied & it hasn't arrived yet- what do I do?
Hi, I was recently accepted for the Tesco CC with the 16month interest free purchases, with the idea of using it to pay for a holiday and pay off slowly. They didn't contact me at all after the initial acceptance for quite some time, then eventually sent me a snailmail letter asking to see a recent bank statement as…
-
Barclaycard Application - 1.3% reduced fee not in t&cs?
Hi thanks for reading. http://www.barclaycard.co.uk/personal/platinum1664?WT.mc_id=Barclaycard_Direct_Partners_Platinum-MoneySupermarket_com-MSM0330055_Non_WM_21_Platinum_Top_Products_MSM-&TC=MSM0330055&mpch=ads I'd like to do a balance transfer so I can do some stoozing with some regular savers. When I go to apply it says…
-
Advice please :)
Hello all, I am new here - I have used the site before but never posted. Between my husband and I, we have 3 credit cards which we owe money on. We have just bought our first house a month ago. My credit card is interest free until February 2013 and I have got it down from £2600 to £1350 since having it. My husband's…
-
Help needed to clear credit card & loan debt
Hi, hopefully someone can give me some advice. I'm wanting to clear my cc & personal loan debts over the next few years so I can move out of home. I owe £5k over 3 cc & £1k left on a personal loan, £1200 overdraft & £11000 on another personal loan!! The cc company's will not give me a new card to balance transfer to (i…
-
Applying for two credit cards
I currently have a credit card with 9k balance and the 0% APR runs out in November. My plan is to balance transfer this to another account. Currently I have about 5k locked in savings that will only come to fruition next year and I will lose out if I withdraw now. I was thinking of obtaining another credit card to fund…
-
Barclaycard interest on low balance is massively overcharged!
I've just checked my Barclaycard online account and noticed that for the last five months, despite my balance being a maximum of £59 in February and down to a minimum of £32 in July, I have been charged £1 interest every month. My APR is 16.9%, I always pay double the minimum payment, yet I am being overcharged every…
-
Credit card for a student (first credit card)
Hi, I'm looking to get a credit card for when I buy goods that are over £100 so I have additional protection. I have never had a credit card before and I am a student. Could anyone recommend me one? I have been looking at this one: https://www.halifax.co.uk/creditcards/other-cards/student-card/ Thanks for the help :)
-
Advice on managing credit limits and paying off cards
Hi Would like some advice on how to manage my cards and debts a bit. 1. I have debt which is approx half my salary so have been unable to get a new card to help with 0% BT's. Barclaycard last month increased my credit limit by over £1000. Is this an indication that my credit rating is improving? Would it still be…
-
Advice on using cards to pay bills
My daughter is getting married -has signed the contract for the reception herself - but we are paying for it If we use our credit card to pay the bill / or part of the bill on her contract are we/she protected in the normal way ie for all the cost of a purchase in the event of anything going wrong. Or does it only work if…
-
Vanquis card?
Hi Guys Im reading alot of threads where people are saying to get a Vanquis card, to simply build up a nice path on your credit report, Ive got a low score from a defualt 4 years ago, and the odd late payment, But want to start building my credit report up as everythings now paid off etc and ive just added myself back onto…
-
Cant repay Credit card quick enough
I currently have £1200 on my credit card with no other debt. I have a barclaycard and the intrest is seemingly high! I can only afford to pay £100 back a month and was wondering if there was anywhere better to swap this too! Thanks
-
car financing
Hi i went to car people on sunday to see if i could get a car on finance. I went though everything with them paid a deposit of £200 plus my car as part ex which was £1900. I have picked the car i would like which is a alfa romeo mito, got a time to pick up for tomorrow. Only thing is they do credit checks and said someone…
-
Virgin Card Transfer
Hi, my wife just noticed that the transfer to 0% interest she made to a Virgin card in November 11 at a cost of nearly £100 has been charged full rate ever since. There was a mistake with the setting up of DD payment which caused the December payment to be a 3 days late in hitting the account so the 0% interest rate which…
-
In a black hole with card debt
Hiii. Can anyone advise or help at all. I popped in to see a lovely friend tonight and we ended up talking about money, or lack of it. My friend confided that shes getting in deep and way over her head with all her card debts and is at the stage where she daren't look at them any more and shes not even that sure which…
