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Interest Paid twice
Why with my RBS Credit card am I charged Twice for interest every month ................?
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Has anyone already reached the £100 cashback on Aqua?
Hi just wondering has anyone reached the £100 cashback limit as yet on their Aqua card? I think I have already earned around £75. If so, are ppl going to keep it for 12 months and see if the offer is the same in year 2?
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Credit Card Debt - Help Required
I have debt on my (Virgin) MBNA credit card. I have had the card since 2007. - The debt total is £5.8k (and rising per month with interest) - CC limit £5.4k Over the years I have only been able to pay the minimum payments (£154) back which just covered the interest. Recently my circumstances changed with the unexpected…
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Optimum debt to credit limit ratio?
This a repost but I didn't get any response on the Credit Report thread, so I'm just trying one more time.... Any thoughts on whether it is better to close a credit card account account with a £0 balance and a £10,000 limit before applying for a new BT credit card? There seem to be two conflicting schools of thought: 1.…
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Restons, Arrow and MBNA help needed
Hello all, Forgive me if I get things wrong here, I haven't posted for years. I received a demand from Reston's Solicitors for a debt to be repaid. The creditor was Arrow Global. I had sent a CCA letter to Arrow because the debt, an MBNA debt was about £1k more than it was with MBNA and also I was actually paying MBNA back…
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CreditCard Company won't cancel my card and refund me due to Money Laundering rules.
Hi (1st time poster - please be gentle) My wife recently got a balance transfer offer through from Barclaycard as an existing customer and we decided to apply for it and she was successful. She did a balance transfer of the maximum she could transfer (almost £9K to a relatively unused Bank of Scotland Credit Card that had…
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Using a 0% credit card to pay off overdraft
Afternoon After a couple of dodgy months i've run my overdraft up more than i am comfortable with. I'd like to clear it down and transfer that debt onto a 0% credit card. I should be able to pay off the credit card fairly soon but my thinking is it's better being on there at 0% than in an overdraft at £1 a day...... Can…
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Credit rating effected by banks own error
Hello I recently disputed a string of late payment charges with Santander I was asked to pay due to not fully paying off an overdraft balance I had with them. It's a long story, but the main point is that it was down to their error I incurred the charges I they refunded me the full amount and closed the account. I was…
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Barclaycard transfer - "date expired" problem
I have a 0% offer on my Barclaycard at present, so I am going to transfer some balance from my partner's card to mine (yes I do know what I am doing!) as she is being charged a whopping 30%. Ages ago her card was stopped so that it can not be used for any future purchases, so it just has a gradually reducing balance as she…
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any debit cards denominated in EUR?
are there any debit cards denominated in EUR which you could buy somewhere in the UK?
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Credit report shows satisfied default!
Hi. New to this so please accept my apologies if this is in the wrong section. I recently (yesterday) decided to take a look at my credit report. This was driven by the fact we are looking to apply for a mortgage in a few months time. I know myself that I have never missed, or even been late for a single payment. However I…
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what is a 'perfect' exchange rate?
so i was reading Martin's info about credit and debit cards which are good for travelling with. after reading about the debit cards, i took his advice: i went to Metro Bank and signed up for a current account, and got a debit card from them, on which they do not charge a foreign transaction fee. the customer service…
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Pay Pal
I don't think this is the correct place to ask this question but I am have just set up a PayPal account and now the verification banking has gone through so am ready to use it. The reason for setting up the account was that I wanted to buy something online but they don't have facility for CC or DC payment Just PayPal or…
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Totally-shocking!
Last night with my son (who has been pretty careless at university and need to start to rebuild his credit score) I was on-line looking at credit cards for bad credit. I'm came across a website called Totally-Money on Google. They claimed to "Compare EVERY Card for Bad Credit" so we went to check them out. Now, I've always…
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Ccj
Hello all, I have recently checked my noodle account and have discovered a CCJ that I wasn't aware of:eek:!!! How do I go about handling this etc?? Is there a link (I've tried searching on here) that gives the do's and don'ts/further advice about CCJs?? A few details: Status - Active Judgement Date-2008 Address - it states…
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Credit card test
hi someone posted(I think in here) a link to a site that gives CC test numbers, so if you want to apply for an offer you put one of the numbers listed instead of your own 'real' card, anyone remember the link TIA
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Please help me to organise my debt repayments!!
Hello everyone, good luck with paying off your cards! I'm quite new to this forum so please be kind! Sorry this is a really long post too! I have just gone to the snowball debt order repayment calculator which is brilliant and super helpful. I did think that maybe the order I was paying my credit cards off in was…
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Barclaycard - likely to be accepted?
Looking at platinum purchase card. 2x existing cards total limit ~£5000, £2500 used currently (0% purchases) 4x overdrafts total limit ~£5000, £250 used (0%) Income £27000 Soft search says 70-80% chance of acceptance. Negatives: not living in the house I own (no mortgage), moved 6 months ago, part-time employed, and 4…
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Round The World Travel
Hi all, I was just wondering if i could get some help from all the very clued up people on here, I am going away in a few weeks travelling for 4 months but i find myself short of my funds required so i was wondering if the credit cards 0% on purchases applied abroad? I have found the post office to have 0% fee's for…
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Next Directory
Apologies if this is in the wrong place. I have had a next account for 8 months now. Last month they increased my credit limit to £600. When they produced my statement this month they had reduced it to £500. My balance was £420 so this didnt bother me. Today I checked my account - part way through the month and found that…
