-
Barclaycard Statement Cut-over?
Hi, I have a Priority Club credit-card (powered by Barclaycard) that I use for work expenses, fuel and groceries, which I pay off in full each month. My statement date is the 9th, which this month is a Sunday - can anyone tell me from which date any purchases I make will go onto next month's statement (and therefore…
-
Does CC Limit Increase means better Credit Rating ?
Hi, Sorry if this was already asked. My credit card limit is £5K and it is way above what I ll ever spend on it - £50 to £100 a month, paid every month. Would it help my credit rating if I increase the limit (if I am eligible, I think I am), knowing that I won't change my spending habits ? Nuriel
-
Need some advice on credit cards
Hi all! I need some advice regarding which credit card to apply for. I've just generated a credit score upon myself through equifax to find it's rated as fair and my report states this is because I have been in arrears for two months in 2010. Everything else on my record is squeaky clean and all either settled accounts or…
-
how to use credit card to my advantage?
Hi guys, I had a student account with Barclays for a few years, I had a interest free overdraft of £1250. The balance was near the limit most of the time. I recently got a full time job and paid off the balance and then changed the account to a normal account and they allowed me to keep the overdraft limit but now its not…
-
Do you need a crb check to work for debt line uk in bournemouth
Hi I was just wandering if you need to have a crb done to work for debt line uk in bournemouth dorset. I have a record that was over 5 years ago. Dont want to be turned down or waste my time. Any advice help would be most appreciated.
-
What is the best credit card...
My husband and I have no debt and don't intend to get in any debt, but we would like to open and use a credit card to get rewards or cashback. My question is, there are so many cards out there, and I have no idea which is the most rewarding! I need help to figure it out please! Here is our situation: - We would like a card…
-
Overdrafts/credit cards etc - advice please!
Hi all, Can I put a senario to everyone and ask for peoples views on the best way forward.. We have one credit card, with just shy of 1k balance, currently the lion share of the monthly payment is going on interest.. it has been that way for years. :mad: There are two overdrafts one with lloyds one with NW, both are cash…
-
Is it possible to do a money transfer on Halifax All in One card?
Hi all, as the title suggests. Is is possible to do a money transfer to my bank account from my Halifax All in One credit card. I have only just opened it for a balance transfer purpose and have about £800 balance on it. Could do with a little cash injection for a few months so wondered. I also have an MBNA card whom are…
-
Interest charged on Credit Card
Hi - Can anyone explain to me in simple terms why I am charged interest on my credit card? I always pay my balance in full from my previous statement and one month I was 2 days late - I was charged interest the following month which I accepted, however, when I then cleared that balance PLUS the interest charged, I was then…
-
Experian Score :(
Hi Guys, I've been following advice on here (you know who you are guys, thank you :) ) and have dramatically reduced my balances from over £19k to about £7k in this last year. This will drop to around £3500 by the weekend once a PPI cheque clears. I've been going through my Experian file and my new ''score'' is now 469.…
-
Cut off from Creation Financial Customer Services
Just phoned Flybe card services, put all my details in via phone keypad to retrieve my account, then got put through to an advisor, who merely giggled and put the phone down. This kind of stuff is prevalent at every call centre I reckon, certainly the ones I've worked at in the past anyway. Just to be nasty I decided that…
-
0% on purchases for 16 months?!
Hi guys, Im thinking of getting a 0% on purchases credit card for the first 16 months and am wondering what the hidden extras are. If I understand correctly, If you spend £500 in the first month and pay it back in £50 installments over say 10 months, the debt is settled because I'm still in the interest free 16 month…
-
How come Lloyds TSB hold on to my money when I pay on line?
I bank with Lloyds TSB and also have a Lloyds TSB Credit card that I pay in full every month. I do this by paying from my current account, on-line, using so-called "Faster Payments". Only it isn't. Lloyds TSB take FIVE DAYS to pay my Credit card account but they take the money from my current account instantly! Meanwhile I…
-
Can credit rating be negatively affected by 'reducing' credit limit on existing card?
A little while ago I applied for a new credit card (with the intention of performing a balance transfer) which was turned down. Reason given was that I had too much available Credit. Probably true as I had 4 credit cards with balances on them. Am now in the process of rationalising my cards - have just closed one that had…
-
Is Noddle down?
I haven't used Noddle for a while, but just tried connecting to the site and it appears to be unavailable. Is this common? (Perhaps for maintenance or something - though silly time to perform maintenance, at 1.25pm on a weekday) Or is there some issue with Noddle?
-
should i balance transfer?
i currently have my balance on Halifax card which the 0% is due to expire at the end of this year, ive just had an offer from Barclaycard (who i have a empty card with) for 16 months 0%.. the kicker is i recently got rejected for a loan with my bank and am worried it'll effect me getting a 0% card when the halifax one runs…
-
credit cards abroad
Hi,we are going to Florida next year and travelling around quite a lot and want to pay for our accommodation with a credit card, which do you think would be the best one to go for to avoid charges.
-
Creation Finance Overzealous Maybe?
I recently switched banks and have ended up with a late payment mark on my experian & equifax files. What I did was a genuine mistake.. I checked through my old bank account and noted that all my direct debits had been paid, Creation being the last. Having noted the DB had gone out that day I cancelled it. A week or so…
-
Low limit credit card - mainly for fuel.
Hi everyone. New on here. Currently in the Royal Navy and travel home every two weeks. I currently have a high credit score, but want to make it stronger, ive been told a good way to this is to take a credit card out and pay for things like shopping, fuel etc on it. Then when you get home transfer the money over straight…
-
Very Credit Account Invoicing Question
No idea why I've never noticed before or even if it's not just my Very Account but I've just seen that each month my Invoice for this account and in turn the payment is 3 days earlier thn the previous. Why is this and does this mean I make 13 payments a year rather than 12?
