-
'Good' credit rating, cannot get a credit card
I'm very concerned, please can somebody advise me. I applied for a credit card three months ago and been turned down (by Santander, my bank of more than 10 years). I have now done a check with Experian and had a rating of good, with a score of 944. I have 4 credit accounts, no outstanding balances, no late payments. I am…
-
capital one ......
Last month i applied for a capital one progress card through the website. I have had the classic card for 7 months and have paid it all regulary on time and kept within my limit. when i contacted them about my application they stated that as i already had a classic card that i could not have a progress card as well. i told…
-
Barclaycard Initial credit card
Boyfriend applied for Barclaycard Initial to improve his credit score. Received strange letter today from Barclays... 'Because you already have the type of Barclaycard account that you applied for, we are unable to accept your application' What on earth does that mean? He has a current account with Barclays, but no credit…
-
Which Card?
Simple poll question: If your bank or card issuer gave you a choice would you choose Mastercard or VISA?
-
What happens if credit card is in credit?
Hi. I bought an item on my credit card for a couple of hundred pounds. Since buying the item I have paid the ballance of my credit card off and it is now £0. I now need to return the item I bought and therefore assume that I will be in credit on my card. Can the credit card company give me the money that's in credit back…
-
Cant get credit anywhere!!
Iv been trying to get credit everywhere to help improve my home and wanting to get a pay monthly contract phone but cant get credit anywhere because i have no credit history, how would i go about this because everywhere says you only need to be legally 18 which i am but still cant get credit anywhere???? someone help me…
-
Virgin 0% balance transfer
Hi all, I recently transferred a Barclays credit card to Virgins 0% deal.I received my first statement from Virgin with all the usual details including statement date(27/06/12),payment due date(15/07/12) & minimum payment (£55). On the 01/07/12,i set up my d/d paying just the minimum payment. Yesterday (02/08/12),i…
-
Visa debit card use in USA
Warning. If you try to use a visa debit card to obtain petrol or booze from a shop they will not accept your visa debit card with a chip and pin. It will work in an ordinary shop or food outlet. or where you sign after giving them the card. On petrol pumps are notices about fraud stating if after putting your card and pin…
-
Fastest time you've received your credit card after application
Another thread gave me this idea. What is the fastest time you've ever received a card after being accepted for one? List the issuer/provider and the time it took Here is mine. American Express Gold Card - 3 days
-
Can I put my credit card into credit.....?
Hi all I'm off to Czech Rep next week and will be hiring a car for a fortnight. The hire company will take a deposit/hold sum against my credit card. I've checked and it says the minimum they will "hold" will be: Excess (800e) + Fuel + VAT. I only have a limit of £1k on the card, and though it is unlikely, I'm a little…
-
MBNA refund... happy or what!
Sent letter July to MBNA re -PPI refund they replied within 2 wks usual standard letter looking into it etc:, 1 wk ago another letter saying they have upheld and will hear from them in 12 wks , another letter today with the offer of £6.500 stating cheque will arrive within 28 days. Over the moon... thanks everyone.. 2 x…
-
Section 75 and Ltd Companies
I am looking for advice in regard to Section 75 and Limited Companies. I have just been refused a section 75 claim by Barclaycard because the item i brought was for a Ltd company and they say that beacuse it was for busines use (invoice made out to a Ltd company) section 75 does not apply. It was however a personal credit…
-
Could a credit card arrive by tuesday?
If I applied today, could it be approved/despatched tomorrow and arrive on monday/tuesday? It's to buy something online so I don't need the PIN number Cheers
-
Balance transfer
Hi all, Just a quick question- I have had a letter through today from natwest about my platinum credit card offering 0% on balance transfers for 12 months. I have a capital one card with a not so good rate so I am going to transfer the balence from that card. But what I was wondering is this, I have a balance of just over…
-
When to close credit card accounts?
I have just obtained a new credit card with 0% on balance transfers (Flybe). I have 4 other credit cards (all subprime) which I have transferred the balance to the new card. Does anybody know what the implications would be if I closed all the 4 credit accounts down in one go. I know the credit balance to limit ratio will…
-
Lloyds credit card online application
Hi I was thinking of applying for the loyds credit card thought the online Internet banking part. Wanted to know will this result in a credit search or is thi soley based on account activity and conduct? :cool:
-
no PIN - can i still use card?
i ordered a replacement card, presuming a PIN would also be sent - it wasn't. i've not used this card in over a year, so I cant remember what the pin is. I am going away for a few days, and wanted to buy a couple of things - is this still possible? I leave on Monday (6th Aug) so online ordering isnt an option - it has to…
-
How many Halifax cards are you allowed?
Hi I wanted to know if anyone knew the number of Halifax credit cards if possible you can have? I.e are you allowed multiply number of cards? 2,3 or is it just only one I think I saw somewhere they changed it to one, put cant find it. Hope someone can help? Thanks
-
Virgin Money Transfer to pay off Virgin Card??
Hello all, Hope the sun is shining where you are. Newbie to here, but seemed like a v good place to get some advice! I had no debt about a 18 months ago (besides student loan of course!) but since then I've had to buy a car as changed jobs and then got married about six weeks ago, so you can imagine am in rather a…
-
Balance Transfer Limit
As with most cards, my latest balance transfer could only go 'up to 90% of credit limit'. But i've always wondered why this is? Surely the higher the balance you have with them, the more interest you are likely to pay when the deal runs out and the higher the transfer fee? And if they didnt want you to have that high a…
