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Negative Amex Avios card
Hi, I have an Amex Avios card which I was using for some bookings a couple months ago. I finally earned quite a lot of Avios and took a flight with them. Since then, my plans have changed and I cancelled the bookings which earnt me the Avios, so nothing owing on the card but I was given and spent the points. My Amex…
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Rejected, accepted and then rejected again
I applied for the BMI credit card (MBNA issued) for the 20000 Avios sign up bonus about a month ago and was auto-rejected. This decision was reversed on appeal (partly because of a mistake made by MBNA) and I was approved with a 6K limit. I was sent an email with a link to sign the T&Cs, but this was broken, so I rang up…
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Help.. Missed payment!
Hi all, recently I have been using my credit card to buy things due to the safety net when buying over the Internet. I always pay it off in full each month when I do spend on there. However over the last three months I have not had a statement in the post, and today I had horrible thought I have not seen any statement, and…
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BarclayCard Corporate...
Does anyone know if you have a Corporate version of a Barclaycard - the sole trader/small company type for less than £5m turn over - does holding one of these "report" the card usage/payment performance monthly to the CRA's? I have been told by a holder that it does not but they have had the card more than 5 years. Thanks
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How best to manipulate credit score using credit cards?
Will be looking to obtain a mortgage in approx 2-3 years time so am busy saving a deposit and am looking to maximise my credit score but not sure what 'behaviour pattern' is more desireable - I have approx 10.5k credit available and have a revolving balance of approx 1.2k spread accross credit cards which is paid off in…
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Tesco Clubcard Credit Card: Incompetence of the highest order
I've had a tesco credit card with attached clubcard for some time now. It's been great - use the card when I shop or fuel up and I get loads of points to spend on rewards. Back in January my wife and I seperated so I rang the clubcard people and asked them to seperate our two clubcard accounts. They told me that I would…
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Balance transfer with bank company or same credit card company
hi my wife has a credit card with a 4k limit but has 2200 debt on it, its with tesco bank. We are going to apply for a new card to transfer the balance but would like to know which would be best to apply for. She banks with HSBC. She has not missed any payments and currently only makes the minimum payments. Will tesco see…
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Lowering Credit Card Interest Rate
Hi All, I was just after some advice regarding the interest rate on my credit card. First I'll give you a little history. I opened a current account with LloydsTSB about 5 years ago. At the same time as opening my account they offered me a credit card with a £500 credit limit. After a little hiccup about 4 years ago where…
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Applied for nationwide credit card I hold a flex account with them
I did the soft quote and it came back £1000 15.9% APR is this a decline I proceeded with the application and it said thank you please enter direct debit details you would like to pay for the card Is this a pass or decline
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Yayyy
I got approved for a vanquis card :) finally something that can hopefully help me build my credit rating :) Anything I should do or watch out for with them? After trying the free phone number for 30 minutes and not getting anywhere I resulted in using the pay for line :( never mind they getting asked why I didn't want…
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Basic Question about residual Interest on a CC
Hi all, silly question time im afraid! I've recently got a 0% BT to pay off my CC that I used while I was out of work thats totaly cleared the balance on card number 1. I now want to start to rebuild my credit score and use this card for everyday shopping and pay in full each months, I understand that due there being an…
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MSE News: Card protection firm CPP must pay £14.5m to mis-selling victims
"CPP mis-sold card insurance products between January 2005 and March 2011 on a massive scale..." Read the full story: Card protection firm CPP must pay £14.5m to mis-selling victims
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MBNA restricting my account, will they deal?
Ive received a letter from MBNA saying that they are putting restrictions on my credit card which basically is that I cant spend on it any more. I have never gone over drawn or missed a payment but only pay minimum payment every month by DD. I am close the limit (£1600 owed with £1700 limit) and I haven’t used the card for…
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Section 75
Hi, I recently went on a long weekend to Marbella. We rented a villa through Holiday Lettings. As we were a larger group (9 of us) we had to pay £1000 security deposit which I put on my credit card. We had a lovely, chilled out weekend (nothing was damaged/broken etc) and returned home. The deposit was meant to be returned…
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Full and Final Settlement Offer?
Hi Ladies and Gents, Looking for a bit more advice please... Wife has approx £2700 on Barclaycard @27% and £1600 on M&S card @23%. Only making the minimum payments each month. If we were to tell them we were skint and offer to settle in full (money being gift from family), do you think we would still have to pay the full…
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Exceeded credit card limit – impacts?
I have a joint Tesco credit card with my OH. Last month we accidently went over our credit limit by £100. We were charged an over limit fee which they class under their ‘Default Charges’. As soon as I realised (3 days later) I made a payment to the account to bring it back under the limit. It took Tesco a further 10 days…
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credit card payment
Hi, i have £4357.00 and i pay £106 a month if i add another £700 to the balance what will the new monthly payment be? thanks
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Quick Credit card question
Me and my husband have been paying of and closing our credit cards :j His halifax credit card statement came today. The date of the statment is 9th November and Balance is £21.40 Min Payment £8.24 We had paid most of it of eariler in the month and paid £21.40 on the 10th November Will the payment on the 10th count as…
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Making big purchase abroad
Hi, I have a NW credit card that I use only when I travel abroad, to avoid fees. I usually spend around £300 every 2 months. Next month I'm planning to buy something expensive with it (about £1600), do I need to inform my bank beforehand? I'm worried they might think it's a fraudulent operation and block it..
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Does defaulting always register a default?
Guys a simple one really. A few months ago I called HSBC and cancelled my credit card. I asked them to confirm the balance was zero and they did and I forgot about it. A few months later I recieved an envelope with 2 letters in both of which were defaults on non-payment of the CC with values of about 7p and 9p. I was never…
