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Credit cards

Archives for September 2012

How Is This Happening
Hi Hope this is this right forum as this relates to prepaid cr cards & debit cards. Over the last weeks this has happened with my Orange Cash, Cashplus, & today my bank debit card transaction . What happens i put the card into the terminal it shows up as card void. I take the card out & try again the transaction goes…
How do I know my APR?
Hi I'm fully aware this is a very stupid question, but I've been hiding my head under the ground for about a year while I was out of work and the mere thought of finding cash for anything scared me, I've recently (about 3 months ago) got a job again and started to make a dent in the debts I've built up. Basically, I'm onto…
Jacamo - how to close account?
hi, just asking here, I've just finished paying the lot off (just paid off the last lump today) and I would like to cancel so they don't charge anymore Interest on the account.. How can I do this? Thanks.
Confused - please help?
Hi - just after a bit of advice in 'simple' terms if anyone would be so kind.... I'd like to do a balance transfer off one of my cards as although I pay £65 a month, it's only actually paying £10 off the debt. I've checked my credit rating with Noddle, which gives me 3/5 :question:. Checked my score with Experian, which…
Virgin Cashback Card
Just out of interest, why does nobody seem to talk about the Virgin Charity Card as a cashback card? Despite the name, you can use it to get 0.8% cashback for yourself on all purchases (it doesn't have to go to charity), and it's got no annual fee. Yet it doesn't get discussed, and it doesn't appear on the MSE page of…
Bloody EQUIFAX What a nightmare company
Today I decided to check my Equifax credit report. I already have the Experian Report and the Noddle free report, however before a credit application I thought getting the Equifax one might be beneficial. I go onto the website and it states view your statutory report online instantly for £2. I provide all the information…
Credit Limit Increase Offer
Hi all, First time user of the MSE forum so, firstly, hello and secondly, be gentle :p I've received a letter from Nationwide, who I have a credit card with, offering me the opportunity to raise my credit limit with them. I've been using the card to pay off a balance more than for purchases (with the exception of the…
Halifax Clarity - Manage your card online / How to Pay
I am a new customer to Halifax's Clarity Card are now disappointed with the card. Having had the card just over a month, I have registered online so to manage the account, thinking I can pay there and then, in a similar facility to the barclaycard it replaced. But no, it seams you have to also have a Halifax current…
Argos Card (not CC) - Yes or No
I am currently financing a new bedroom for my daughter and it's costing a fortune, you know what kids are like, anyway that's not the point. She has seen the furniture and bed package she would like, all told just under £500.:eek: Now my options for this are use plastic paying it off over 3 months but of course that will…
How to calculate Capital One Aspire Cashback rate?
Interested in Capital One Aspire credit card, It stated: *5% cashback is earned on all purchases for 99 days from account opening up to a maximum total cashback of £100. After this period you will earn 0.5% cashback for all subsequent purchases up to an aggregate of £5,999.99, increasing to 1% for aggregate purchases from…
Argos store card
Anyone got this card? Which CRA do they check and how hard is it to get? I already have the Argos Business Charge Card.
Help with ID fraud
Hello, I have received a letter from Wonga this morning informing me of my outstanding balance of £525. I have never used Wonga and never intend too. I have checked my only account this morning and no money has gone, everything seems OK. I believe that someone has used my details to get a credit card in my name, all the…
Flybe card - Experiences!
Ok, so after a long 6 years, my ccj has finally come off my credit files. I really want to get rid of my Vanquis card and Capital one and get a 0% BT card, so i have applied for the Flybe card. Didn't get an automatic decline, but not accepted either. Got the - Thank you for your application, we will now review your…
Outstanding debt. What happens now?
I have been in debt since 2004 to the tune of £30k to 6 credit card companies and banks and I have been paying them off monthly through a DMP. My balance is now £20k. I understand that after 6 years they come off my credit reference, which is what has happened except for Sainsbury's Bank because a default was registered…
what on earth is going on?
:mad: Hi Just checked my Halifax Mastercard (credit card). It is showing that I have paid £1100 to them yesterday. I DID NOT!! I transferred this amount to my Virgin Credit Card which went through yesterday - thank goodness I have proof of this. Theres nowhere I could even have paid this amount from - I thankfully closed…
How do I close my Vanquis account?
Hi all My balance is zero, although bizarrely they keep adding £1 on every month, I pay the £1 and then they add another to the next statement! Can I close the account by telephone? Or is it best in writing? Any advice would be much appreciated thank you :)
Credit card with extended warranty?
Hi there I am wondering if anyone knows of a credit card where you can get extended one year warranty on home appliences. Apparently Barclaycard no longer do this. I currently pay £6.50 a month to have a bank acc that provides this but I am looking at ways to save money and wondered if there was a credit card that offered…
Tesco Clubcard c/c refusal
Just tried to use my Tesco c/c for £6 at Morrisons today - had a "not authorised" comment come up on the pinpad 3 times until a supervisor pressed the magic button & it went through. The cashier hadn't seen this happen before. Can't get through to Tescos Helpline (as usual) so wondered if anyone else had had the same…
Received card not requested
Hi all My dad has just received a Chameleon Pre-Paid Visa Credit Card issued by CitiBank. The PIN and card arrived in seperate envelopes. Trouble is - he hasn't applied for it. The website offers no support until you enter the card number. Is it normal for companies to do this or is this an attempt at identity theft? Thanks
Retailer Fees
Hi, a quick question regarding fees. I want to make a purchase on my Credit Card which will be around £4000, I spoke to the retailer yesterday and he advised me that he'd charge me 3% to use my card for the purchase, that seems awfully steep and I wondered if it was right? I used to work in a showroom a few years ago and…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Credit cards

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