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First payment on brand new credit card
Hi all, I got my first ever credit card at the beginning of August and I received the statement at the end of August, which states that the payment is due on 25 September. I'm now worried that I may have misunderstood some things. MSE is full of "pay in full each month to not incur interest" advice, but now I'm not sure…
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Which Cards offer online paper free completion?
Hi, I am looking for a card, preferably with decent balance transfer rates which can be applied for and completed online, i.e. don't need to sign paper copies and send docs via snail mail etc. I work overseas for long periods of time so am rarely at home and would not be able to return said paperwork in time, but I am UK…
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Credit Card for Bills
I used to buy everything on my debit card and also pay bills this way. I've just recently got a credit card now and i can build up points on it so would i be ok in doing the following? 1. Pay everything on the credit card? 2. As soon as it is accepted on the credit card, use my debit card to pay off the credit card? 3. If…
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Over pay a CC?
I have a credit card with a £500 limit. If my outstanding balance is £100 and I make a payment of £130 would that make my available credit £530? Or would that put me over the limit?
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Increase credit card limit
I've had a credit card with my current lender for six months and am looking to increase my credit limit. At the time of applying I just selected the minimum amount they would allow me to apply for in order to maximise my chances of being accepted. I'll be using it to book flights in the coming months, which my current…
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Quit While I'm Ahead?
Hello, I'm being greedy I guess. Some of you may have seen me posting in the Nationwide Soft Search thread about applying for, and receiving a new Nationwide credit card with a decent limit on it. However, during my 'waiting to find out if I would get it or not' period, I also filled in the soft search for the Barclaycard…
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Wedding Insurance . Credit Cards S75
I have just booked my daughter's wedding and have been considering taking out wedding insurance. However, looking at the exclusions it appears that the main things actually covered are the Venue ceasing to trade, or a failure of the photographer and other suppliers. As I paid the venue deposit on a credit card, would it…
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Not exactly credit card but refused Next online account
There are some items I want to buy online from Next for my baby granddaughter. Of course you need to register online to do this but no problem. I have just bought some stuff online from Debenhams and registered there OK. I have a healthy bank balance, no overdue cards, own own home etc. Plus I have lots of online shopping…
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Do Credit Cards have free legal advice as a benefit?
Hi everyone I hope someone can help. I am currently considering instructing my solicitor in a matter of unpaid Royalty Shares. The matter of legal fees came up and my solicitor suggested looking into whether any of my credit cards might carry legal fees coverage in a matter of Equity law. Would anyone know whether this…
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stautate letter
Hi first time on here so don't know if I will get this right...could aomeone please advise on how I go about writing this letter and who to...and old debt has caught up with me and I am pretty sure that is about 6 years old, there has been a company sending letters for some years which I have ignored because at the time I…
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Capital one credit card in credit
Long story short. I,m going on holiday soon and I've just been paid from work straight into into by bank account . I wanted to make an online transferee using online banking to send cash from my main bank account to my travel card (one of them us dollar currency cards) from travelex. for one reason on another I made a…
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Santander Zero credit card account closed?
I just wondered if anyone has ever had their Santander Zero credit card withdrawn because they no longer have a qualifying current account? I currently have a qualifying Zero account but will shortly not have the £10,000+ balance in savings for me to keep hold of it. I only ever really had it for 5% interest and the…
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Transferring debts to a 0% credit card
Hello this is the first time I have used the forum. I was wondering if you can transfer credit card, catalogue and store card debts to one credit card that is offering a 0% deal??
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Credit Card Debt - Default, Payment Plan or arrears
Hi I lost my job recently and am currently looking for another and expect to be back in full time employment soon. I told my credit card company of my situation and they want me to fill out an income statement, and have asked me to return the card. I was hoping to agree to suspend or vastly reduce payments to them until I…
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Littlewoods payment
My buy now pay later is coming to an end and I want to pay it off before the interest starts. I've made loads of payments before but now when I enter 125.00 they give me an error 'please provide a valid payment amount'. 2 days I get this Can someone test it please. They add £500 interest if I don't pay £125 before 5th Oct.
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Here's my credit report. Chances of being accepted? 18 years old.
Hi there, I am 18 years old and I earn 13500 before tax, live at home with parent's and have only pay out 250 a month from my earnings. This was all put down on my application. I've applied for a barclays intial card over the phone but before the application went ahead, the man said he couldn't tell me straight away if it…
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Balance Transfer
Hi All, My wife has a High Interest Credit card. Is it possible to balance transfer the balance on to a lower interest card in my name? thanks for any help. James
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How many 0% purchase credit cards...
....is a person allowed to have and can they be applied for at the same time?
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Three (Hutchinson 3G) default on credit file
To cut a long story short... My wife disputed a charge on a cancelled Three contract. They sent it to debt collectors, despite the dispute. The debt collectors were harassing her so much that she gave in and paid up. This was a couple of years ago. We have now discovered the default on her credit rating. We wrote to Three…
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Snowballing Credit Card Debt Advice Please
Okay, so first post, and I've read and read the forms over the last week, as I'm trying to sort out my debts on my credit cards, but I can't seem to work out what seems complicated to me and hoped you could help. I was on Citalopram for a few years, following postnatal depression, and I swear that didn't help my shopaholic…
