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Lloyds Credit Card and Default
Lloyds has sent me a default notice for a credit card recently, despite the fact that my credit report is only showing one payment behind! I have been over my limit due to charges, is there anything I can do to challenge this? I'd been strongly under the impression that they wouldn't defaulting me until 3 payments late.
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Amex-Foursquare Deals
Hi guys, ANyone had much luck actually using any of these deals? Tried it at Tesco the other day and it didn't show up - seems really difficult to find any information about them. If you google search all you get is a load of news stories from May/June when it was introduced. After a bit of rooting around I believe that…
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Which credit card for 21 year old?
HI there i am 21 years old and have 2 creation creditcards with £2641 owed and is about to run out of interest free period, anyways i just applied for MBNA rate balance transfer card and got a straight decline. I am employed full time and earn £19000 a year. I have 2 credit cards with creation one with £2300 owed and one…
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1 day Barclaycard account on CRA
Hi all I applied for a Barclaycard Initial at the end of August. Initially accepted and I received the card. Called Barclaycard a week later having not received my pin only to be told that my application had been declined in the second stage or their two stage process. Disappointed that they couldn't communicate that too…
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What stores are the easiest to obtain credit from?
i want to purchase a television on credit. I was refused an argos store card due to my credit score being low. I am now considering going to pc world to apply for the buy it now pay later offer on any television over the price of £300. My question is will I be refused credit from there also and also what stores are the…
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Bills during probate!!!!!!!
Hi Having to deal with my deceased brothers estate which has to go through probate, there's a lot of expenses before we are likely to get any money back! The banks are not keen to help other than charging extortionate interest rates on short term loans, have looked at 0% credit cards but it looks like they come with a very…
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Credit Cared cancelled
After 4 years of having a credit card (which admittedly is near its limit) I have received a letter telling me my card wont be re-issued when it expired. They have said this is due to a review of of their lending decision and how I have managed the card. I have never defaulted on the payments and have always paid on time…
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Barclaycard...cash payments
Can I take my barclaycard and cash into a Barclays bank and pay not my account ? I get statements online and therefore don't have a payments slp Cheers
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Credit Card Blocked? 0.o
Yea this morning went to check my balance of my credit card (HSBC) enter pin etc and the machine said 'The bank has prohibited the use of this card' then it just gave me the card back? but online i can see the balance now n transfer it etc so whats the problem? i've only used the card ONCE online (o2) website. so...?? i've…
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Paypal holding my money!
Hello I know this is not a credit card issue but i did not know where to put it. I could really do with some advice on this as i will potentially loose a customer and money. I had arranged to pay a Paypal invoice that was sent to me for a camera lens that i needed urgently for a photoshoot. I had £1000 sitting in my bank…
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TSB not Updating Credit Agencies
Hello all.. so i check my credit score every month with experian and found that my score had gone up by 100 points :j However upon investigation i found that an old TSB credit card account status had not been updated since i settled 2 years ago!! Do they have a legal time frame in which they have to update the CRA's with…
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Recently relocated to UK
Hi everybody, I relocated to UK in january of this year from another European country. I have a full time job with a good paycheck, but unfortunately I'm being constantly rejected because of NO credit history in this country. It's very frustrating, considered that in my country I have a really good credit history. I have…
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Late payment by 1 week on credit card
I have made a late payment on my Barclays Visa credit card for the first time in over 3 years. Its my fault and I hold my hands up! The payment is a week late - I immediately paid off the outstanding balance when I found out. The card company has waived the £12 fee, but I am more concerned about a late payment appearing on…
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paying credit card bill advise
hi i bought flights some 2 weeks ago on a post office credit card The bill will come in while i am away .If i load the card now for the flights will it be automaticaslly taken out of the account or is there a point were billing is produced .It will be due on 24th september regards Beatrice
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New Capital One 5% Cashback card refused
I've just had my application for the new Capital One 5% cash back for 3 months card refused. When I phoned to ask why when initially it had been accepted they said it was because I already had a Capital One cash back card. This is a card I have had for a number of years for 1% cash back which I was going to upgrade, but…
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Natwest Student credit card default notice
Hello, I recently received a letter with my balance being £568 and arrears of £79.45. It says "Account termination. A default notice was recently served on you. As the amount requested in the Default notice has not been received, your account has been terminated. Full payment of your oustanding debt is now required. If…
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Need a Balance Transfer for overseas credit card..
I lived in Australia for over 4 years, but have now moved back to the UK.I have a balance of around £5k on a Citibank Aus credit card, and the issue is that now I'm living and earning in the UK, I'm finding it impossible to pay off the balance because Citi don't accept over the phone debit payments. I don't have an Aussie…
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Am I doing this right
Ive currently got a marks and Spencer's card that had 0% interest which comes to an end in October. I currently have an outstanding balance of £5k on it. I've been accepted for a tesco credit card which is 0% interest for 16 months. They will also allow me to balance transfer £2950 for 9 months at 0% but with 2.9%fee is…
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Paying off CC to make new purchase
My CC limit is £500. Tonight there is £300 left. Monday, I want to spend £400. I've just made a payment of £200 (the full amount outstanding). If I attempt the £400 spend on Monday, will it get rejected and say I only have £300 available? The payment was made by faster payments. I'm worried it might take them until end of…
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Direct debit date same as payment due date. Ok? (Aqua)
This is the first month where I'm paying my Aqua card by direct debit. I'm worried that the DD date is the same as the payment due date. Is this normal for Aqua? I know that it will be ok as if there is a problem and the payment is late it will be down to them, but I just don't want any hassle.
