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Amazon Credit Card
Just wondering if anyone had any suggestions for me? After returning from holiday I discovered that I had missed a payment for my credit card, paid it (3 days late c/w £12 late payment fee). I had a balance of £200 to pay (£212 with late payment) which I paid £62 as I had a 0% promotional offer. I phoned Customer Services…
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Advice about interest rates
Hi Need a bit of advice about which route I shoud take. I currently have about £4000 on a Barclaycard with 0% on the balance transfer earlier this year of £2500 (until December 2013). The further £1500 i am getting charged £18 a month interest on. I have a Virgin card which is doing a 0% on balance transfers offer till…
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balance transfer
Hi hoping someone can help me here, it is a question from a friend, they have 1 credit card with 5k on it and limit of 8k and another with 2k on it and a limit of 3k they are not in trouble at all and have £500 a month available to pay of the debt, neither are on 0% interest rates although the card with the limit of 8k…
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Which Credit cards, Phone you, after and making an Online card application, and why ?
When applying for credit card applications online, i have read they still phone you after applying why do they phone? and What do they ask? and which credit cards usually do this? in your experience?
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Which CC's offer 'TURNED OFF' Paper statments option (online statements only)
Which credit cards offer you to use Onlinne banking for statements, and allow you to turn OFF paper statements being posted to your address? a more green way/ paperless statement method? can you tell me which credit cards do offer this? (Especially if you are with that card).- no guessing please lol. I know barclay…
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Will an existing credit card give you 0% purchase deal
hi, i have 2 existing credit cards and want to make a fairly major purchace. Rather than go through the application process of a new credit card would my existing card provider give me a 0% purchase deal on my existing card? anyone with any experience of this?
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How to Build Credit History
Hi I was wondering what really counts as a Credit History.. I have been paying my credit card in Full every month since I got it in March 2012. Will this be considered as a credit history. Because paying in Full; I have not carried the Credit with Interest.But with free credit month on month.. In Essense I do not have a…
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Negotiating New 0% BT with Cap One Balance Card?
I am coming to the end of my 0% BT period on a Cap One Balance card, and I notice they have launched a new card with ~6 months interest free. I would like to take advantage of the new offer but am wondering if it's possible without closing down my current Balance card then reapplying. Obviously it would be simpler to just…
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declaring income
I'm choosing which credit card to apply for. i have a good rating. I did a soft search on nationwide but I was unsure about what to put exactly for my income. It seems you have to select one option only of employed FT, PT, Self employed etc. I have PAYE job, plus self employment plus another income. The total incomings…
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First Statement From Nationwide - Please Delete
EDIT: Sorry, being a doofus, please delete.
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Lloyds TSB Avios Duo: Worthwhile to me?
Hello everyone! I do a a lot of spending on my debits cards; it's rare to see me with cash. For this reason, I've decided to get my first credit card. My credit rating is a bit low due to my student overdraft and two phone contracts, though I've been out of the former for over a year now as I've become very good with my…
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Do I need a credit card for people with bad credit?
So, my experian credit score is 831, which is 'FAIR'. I want to transfer my balance from my Capital One Visa credit card to another one. I want the best deal, lowest APR etc. But do people with a FAIR credit score need to apply for credit cards for people with poor scores? Or can I apply for normal cards? I dont want my…
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Easyjet - would you pay 2.5% for section 75 protection
I have an Esayjet booking which with all the seats luggage etc. is around £1500. So the CC fee is £38. If we phone up I guess we might be able to pay £1 on CC but the flights work out £90 more expensive through the phone channel so no point in that. I have sent a query to my travel insurance to ask if I'm covered for…
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Which bank issued card
Can anyone tell me the name of the bank which issued the GM Card. We used to have one but got rid of all the paperwork and can't remember which bank it was.
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protection
Wife was watching Martin Lewis last night when there was a item on a bike stolen and the owner claimed on his card as he had bought the bike on his card.Our son had his motor bike stolen about 3 yrs ago which was bought on my wifes Barclay card.What is the time limit on claiming??
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Question re interest
My current statement total is £320 but I returned an item for £70 which was credited after the statement date so the current balance is £250 which I intend to pay in full by the due date. I assumed I wouldn't pay interest on the £70 but a friend told me I would as it wasn't inclluded in the original statement balance and I…
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Will it ever get better....
After nearly 6 years of getting my credit history back in tact I am now celebrating a score of over 950 with credit expert. I have built my credit history up with high rate credit building cards and have been juggling various debts in a reasonably money savvy manor...all in the hope that one day soon I will be debt free.…
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buying things abroad
Hi, I'll need a credit card for trips to Cuba next month and Canada in May. I understand Cuba doesn't accept credit cards from American banks. Which would be the best card for me to get to use on purchases abroad? Halifax clarity, Aqua or Post Office? I would always pay in full. Thanks
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Credit card protection when paying with 2 cards
If I pay, say, a deposit with none card and the remaining balance with another card (both payments in the thousands of pounds), I presume I'm still "protected"? But does this complicate any subsequent claim? Would I claim from the deposit taker, or both in proportion to the amounts spent? If the deposit taker, what if I…
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Credit Card Limits (Influencing Factors)
I need to increase my credit card limit to allow me to buy a well-specified computer. Is anybody aware of a credit card company that will take into consideration the amount of cash savings that an individual has ? I have asked my supplier but their way of assessing someone's capacity to pay back appears to be based solely…
