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Using your Vanquis card ...
I'm just wondering if anyone has experienced any...problems when using their Vanquis card? And by 'problems' I mean shop assistants and hotel clerks reacting in a really snobby way when you take out your Vanquis card. I got my Vanquis card when I was a student. It was the only card I could get accepted for since I had…
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I applied for a capital one card have I been accepted????
It said after I had applied Thank you Sarah we have approved the first stage of your application for a card. We will be sending you two copies of your credit card agreement in the post in the next 7-10 working days all you need to do is, Complete and sign one copie then return it in the pre-paid envelope. Keep the other…
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Help!!
I'm after a credit card that I can build my credit rating back up and that I can use in emergencies or once a month and pay it straight off. I do have poor credit apparently although I did get car finance in 09, which was when my credit was at its worst! I had a loan which defaulted in 08 but now paid off I was linked to…
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Tesco Credit Card
My tesco credit card is in credit because like a fool i managed to pay the bill twice...! Does anyone know how to withdraw the credit from the account? I've tried customers services on 08453004278 and cant find the option to speak to a human! Any ideas appreciated! Thanks
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Improving credit rating with a credit card?
I am currently looking to borrow between 4000 and 5000 pounds but have been declined due to my credit rating (lack of credit history) so instead applied and was approved for a credit card with a limit of 2000. Does anyone have any idea how long it should take to boost my credit rating with my credit card when spending…
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Section 75 Claim Turned Down
Hi all, I got a letter today from my credit card company telling me that "after careful consideration", they do not accept liability as it's the merchant's word against mine. The fact I have emails from said merchant backing up what I told the CC seems to have escaped their notice! Obviously, the careful consideration was…
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How can I obtain old barclaycard details
The is the first time I have used this forum/website. I have lost all mu credit card details I had with Barclaycard, I closed the account in 2008 and recently called them to try and obtain my old account details. I was informed that they do not have any details that I held an account. Is there anyway of obtaining these old…
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Limit increase, credit check?
Hi, Just a quick question. I tried googling but couldn't find the answer to my exact question. I have just had my limit increased without asking me and wondered if the credit card company did a credit check? or do they just base their decision on the one card they have information on (i.e their card)? Thanks.
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A card in my name for my partners debt.
Hey! Can any one tell me if it is possible for me to obtain a credit card for the purpose of a debt transfer from a card not in my name? I have good credit scoring, my partner has not, and can't get a 0% deal on £2300 from MBNA or Tesco. I will aquire his debt effectively. Also if he had, say, a Barclaycard could he…
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credit card interest charge
Last month I had a credit card balance of £1267, I paid £1200 of the balance. Today I have had this months statement and I have been charged £32 interest. I usually pay the balance in full, is that right? They have charged me interest on the full £1267 rather than the £67 balance I left. Just want to check before I phone…
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Can I set-Up A Direct Debit against my credit to pay for monthly outgoings?
I have just got a Tesco Credit Card and was hoping to get some extra Clubcard points here and there and wondered if I can pay for things like gas, electricity, water etc via a direct debit against my credit card account as opposed to my normal bank account. Is this at all possible or not. I have a feeling it isnt but…
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Default letter every month from lloyds?
Hi i am in a self managed plan with lloyds. I know that a default goes on my credit file from the time of default. However they send me a notice each month. Is this just for imformation or is a default being applied to my credit file one a month also? If that's the case it will never be clean! Thanks in advance BTD:)
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Bad Credit Rating - Help / Advice?
Okay so I'm a student. On my student account I have a good credit rating, it's marked as 'satisfactory' on experian, or whatever. But on my Loyds account, where I've never held any sort of line of credit, the account is marked as 'delinquent'. What happened with my loyds account - I accidentally had something charged to…
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help please dont understand why im being refused
Hello i have just applied for a Nat West Credit Card as my old M & S 15 month 0% is coming to an end and was refused. This has horrified me:mad: have managed since the age of 22 to get a good credit card with either 0% purchase or transfer balance rate, im now 39, have never missed a payment on my mortgage or credit card…
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Has anyone seen my application?
I applied for a card through Creditexpert last week and at the end of the process was told "thanks, we'll be in touch" or words to that effect. I then got an email from Creditexpert confirming the card I had applied for etc. I called Barclaycard to check on the application today and they have no record of it all…
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balance transfer
looking for others thoughts here... owe quite a bit on credit cards at the moment,built up over the years,i know iam stupid but was necessary at the time! i dont want to sell my house so applied for a new credit card "nationwide" with the 20 months interest free which i unexpectedly got.... now i owe about 8 different…
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Refunded under section 75. Seller wont collect goods
Hi all, I didn't know whether to put this in credit card or motoring! Hopefully I've put it in the right place and somebody can help. I recently purchased a car from a motor trader. After a day of driving around the car broke down and then kept breaking down intermittently. Long story short, I had the car inspected and…
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Barclaycard First Statement - Is this normal?
I opened a Barclaycard Platinum online for a balance transfer offer on 3/11/12. Ive checked myBarclaycard today, and my first statement has already been produced, dated the 13/11/12. Is it normal to have a statement so soon after opening a Barclaycard? All my other cards, the first statement has been generated a month from…
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Capital One Classic Card - Approved?
Hi All. I have just applied for a Capital One classic credit card by following a link on my mobile. I completed the form on my phone and it came up I had been approved at the first stage??? It then said they would send me a credit agreement out which I would have to sign and return and they would then send my card out with…
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Credit card default HELP !
Right ok il try my best to make this as easy as possible :) I have a credit card default on my file which has nothing to do with my and I wanted some advice in getting it removed.Now the boring part! My mother went through a difficult time back in 2007 as lost here house at the time I was only 16 my mother applied for a…
