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Getting overdraft but not the credit cards !!!
I bank with Halifax where my salary comes in and they gave me £1900 overdraft but never gave me any credit card even applied once and declined 6 months ago. I opened new bank account with Santander last week and card arrived with £850 overdraft limit but again declined with the credit card i applied at the same time. Can't…
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Sainsbury's application failed?
I went through the Sainsbury's Nectar credit application online on Sunday night. At the end it had a "Decision" page, which actually didn't say anything conclusive. It sounded like they had to do further checks. I haven't had any email confirmation of the application or any credit searches recorded. Even though there was a…
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Help, Sending Money Back for Balance Transfer Mistake
My husband was going to help me out by doing a balance transfer to a new Fluid credit card. We applied, and stupidly put through the details of my Barclaycard balance, which was almost £8k. In the meantime, I'd forgotten about the Fluid card, as we didn't get an immediate decision (and I'd had a few glasses of wine when we…
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Credit Card Chances
Hi all, I have recently been looking at my credit report and it is currently 'fair' due to several searches on my report about 2 months ago. When using the experian tool for using your credit report to match cards I had a list of several 0% cards that offer (typically) £1200. Problem is, I currently have £2973 left to pay…
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Halifax BT query
If there are 3 bt's running on Halifax Platinum and you pay off the balance of the two oldest, should the payments go towards these as they were all on 0% interest and these ended first?
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@TESCO 19p cost me £12.00!!!!!!
So as like every month I made my monthly payment to Tesco credit card 3 days before the payment was due. So was gob smacked to receive a Notice of late payment charge of £12.00. I phoned up and asked customer services why I had received this and they informed me that I had failed to pay the full amount due. It turned out…
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Gone over limit!
I have just found out one of my CC's is over limit by 75p :o It's the first time I've made a mistake like this so not sure what will happen. The charge that took it over is for £99 but it's just an authorisation, it should be returned in a couple of days, the merchant aren't going to settle it. Hence my 'available credit'…
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Jjb credit card
Will I still be able to use my jjb credit card, after yesterdays liquidation, i have a 3k limit, with 2.5k there to use, Thanks
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Sagepay
what is this. i paid using credit card over phone and the goods are faulty. the credit card company say they are not liable as the supplier used sagepay. we werent told this?:mad:
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Capital One Secured Credit Card: Is it Worth it
Hi Guys i need some advice, Okay, i dont have the best of credit right now, but i am paying back my Debts one by one ( some back ground information when i turned 18 i sort of went crazy with Mobile contracts and Payday Loans.. I no i was ignorant and now im living with the consequences ) Anyway that was 3 years ago, im…
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Credit card receipts and PIN terminals
Hi all I have a brief question concerning credit card receipts. I was in a restaurant today and paid for my meal with a credit card. I used the electronic chip and PIN device to pay for my meal. By mistake, the waitress gave me both the cardholder and customer copy of the receipt. Can please someone tell me whether or not…
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Heading for Ireland next month..
I have a Cap One, daft interest rate, John Lewis card 16.9%, B/Card 21.9%, CO-OP Smile account and a Santander Premier. Which would be the best for using over there? I don't intend going silly, just visiting family and hotel bills :) All purchases would be paid off immediately on my return :)
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Virgin Promotional offer of 0% on BTs
Hi all, I have a credit card with virgin and have about £3,500 left on it (at 27%!). Really proud as not so long ago I had about £8k left but managed to whittle the balance down. They keep sending me letters saying they have a 0% promotional rate on balance transfers. I have another credit card with Halifax which is at…
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another capital one card for the less than perfect credit score
http://www.capitalone.co.uk/creditcards/balanceTC14.jsf I'm not sure how long this has been available i haven't seen it before but maybe its been out awhile thought some people would find this useful. It's on the lovemoney newsletter as a card almost anyone can get
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re-cashcard +and visa debit card
hi guys, can anyone tell me the difference of cashcard + and visa debit card.? edit;; sorry, nationwide
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PPI Claim - Old MBNA Joint Loan
Hi I'm new to the site and would really appreciate some advice/help. A long time ago (it could be around 10 years ago) I took out a joint loan with an Ex boyfriend. The loan was to consolidate debts and was over £10k. The loan had PPI, the Ex was made redundant so I tried to claim and was told I couldn't. No I can't…
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Can I transfer 2 balances to 1 card
Hi guys, I have a M&S credit card with a balance of £900 and the interest free period is over so they are charging interest. I also have a Virgin Credit card with a balance of £2500 which is on its last month of interest free period. My question is, can I transfer both the amounts onto 1 single card and if I can, how do I…
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M&S Card
Hello all – I have an M&S Card on interest free on purchases for 15 months. The interest free period is due to end December 20th. Two questions: 1) Will I have 2 months after end of interest free to pay card off before interest its charged ? 2) How much interest approx would I be paying per month for £1000 on the M&S card.…
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Paying one credit card with another!
Just wondered if anyone knew anything about this subject?? First and foremost I will point out that I don't do credit. I only take out credit cards for my benefit and not the car issuers benefit!! Previously had a Lloydstsb Duo card which I have been racking up Avios with. But just recently got myself a American Express…
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Black Diamond Credit Card
Deleted due to certain people being sarcastic!
