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Stellar UK / Vanquis
I received a phone call today from a caller saying they were calling from Vanquis Bank and offering a discount voucher and cashback scheme for major supermarkets. They offered a free month trial and if I don't cancel within the month it will cost £6.95p per month. Being curious I accepted the free trial and they say I will…
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Interest free and interest?
Hi, Can somebody please explain something to me that my dad just told me but that doesnt seem to make sense?! My mum took out a credit card and used it to pay for flights to South Africa for me and herself. The credit card had an interest free period of say 12 months (example, I'm not sure of exact). The idea was that I…
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Using Credit Card To Pay For Car Insurance?
Hi there, I'm a first time driver (will be passing my test in the next few weeks) and will be looking to use a credit card to pay my car insurance off in installements, rather than paying the extortionate prices the car insurers want for a monthly payment. My insurance will be around £1600 (not sure if this matters) and I…
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Why do CCs ask for your bank account details?
Was just looking at this CC: http://www.lloydstsb.com/campaign/cardsnovoffer.asp?WT.mc_id=CCP1003AMSM01 They ask for your bank account details (sort code/bank account number). Assuming its not to set up a DD later in the application process, I was wondering how they use this information. Do they contact the bank? Or…
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Can I transfer money from one card to another when I have no balance
Hi, I wondered if this is possible. I have an offer of a 0% balance on one of my current credit cards. I do not have any credit card debt, so so wondered if I could transfer £5000 from one card to another, and have a positive balance of £5000 on a card, thus getting a loan of £5000 at 3% (balance amount charge) for a year?…
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phone calls from credit card company
Hi, can anyone help. My credit card company (pre 1997 credit card) has phoned me on my mobile phone, i have never gave them this number and they are not telling me where they got it from, i have wrote to them asking them how they got my number but so far i haven't had a reply. What i want to know is, can they get my number…
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AMEX Invitation
Hi about two months ago i applied and was declined for an AMEX cashback credit card. Today i receive a letter from them inviting me to apply for an AMEX gold charge card. Am i likely to be accepted? Obviously AMEX know my details, i don't want to waste a new search though. Also not sure about the fees £125 a year but free…
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am I being unreasonable?
Hello folks I have a Tesco credit card, I spend £2500-£3000 per monthevery month on it but always clear the balance in full so do not incur anyinterest. I have been a customer for about 10 years I guess. However this month I screwed up and forgot to make the payment,I now see that I’m being charged £12 missed payment…
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Desparetly Need Help with a Credit Card Limit Agreement
Hello, Earlier this year, I was over my credit limit on my credit card account (Natwest), I rang them and they agreed to a 4-month repayment scheme which remains on my credit file for 7 years. They told me to pay £100 per month by the 28th of each month, and that would take my balance below the credit limit. I made 4…
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Credit card/Bank account with 5 yr old CCJ
Hi My CCJ (and 1 default) are coming up to 5 years old, next week. I know Barclaycard state you must not have had a CCJ in the last 5 years, whereas most are 6 years which is when they obviously drop off your credit file. My default was with barclaycard so i cant go back to them - but does anyone know of any other…
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To all those who have a Halifax Clarity card...
For foreign transactions, you'll be aware that your Halifax online statement does not show the exchange rate used or even the foreign currency amount yet most (if not all) other card issuers show this info on their online statements. Halifax's online statement just lists the merchant's name & converted GBP amount - full…
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please delete
Mods, please delete
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Barclaycard interest rate skyrocketing!
Hello, I'm hoping someone out there a bit more saavy when it comes to credit cards can help me please... I recently received a letter from Barclays informing me that my interest rate would be going up from 19.9% to 24.9%. I have asked them if they can offer me anything better & they are refusing. I have just asked about…
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Still not on Electoral Roll
Hi all, I registered on the electoral roll about 4/5 months ago now and got a confirmation letter off my local council. However, I'm still not officially showing on the electoral roll. Does anyone know why this is?
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Default Removal
Hi there, Not sure if this is the right thread but here goes. Im not going to dish out a sob story but a default was placed on my account 3 years ago the account was promptly settled and the account closed. Im now in a situation where im looking to buy a property, my credit profile is absaloutely spotless (809) with no…
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0% interest purchase card credit limit
I need to spend 10k and was hoping to do it via a 0% credit card to buy me some time, but it's only just dawning on me that the credit limit might be a spanner in the works. Anybody know - in a decent credit rating scenario - what the maximum limit that I can hope for is and how and to what can I up it to. Or Would it be…
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Is this right or fair?
Post Removed. Came looking for a little friendly advise - couldnt find any. Left quietly through the back door.
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Balance transfer
Hi! If i have a debt of £3000 on one credit card, and have three credit cards with 0% on balance transfers and a £1000 limit, is it possible to transfer £1000 to each and still get the 0% on balance transfer deals? Thanks.
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cleared card balance, but still charged interest
Hi, My august virgin credit card balance was £300. The due date was 04 september. The credit card company received full payment + the provisional balance amount (for next months statement, listed online) on the 21st August (according to their online system). Therefore after 22nd August my balance was zero. On 24th August I…
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Missing credit card transaction
Hi First time poster.... 18 days ago I purchased an item of jewellery on my barclaycard in store, but after I entered my pin in the terminal the store assistant informed me that the till had crashed. After playing around trying to fix the computer she then apologised and wrote me out a paper receipt. The transaction has…
