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(Not) late payment on credit card - please help!
This might be entirely my mistake, and if it is then please tell me, but I really don't think it is. It's for a Student Credit Card (though I'm now on a Graduate Account, having graduated this year) and the terms and conditions I refer to can be found here: lloydstsb.com / credit_cards/terms_student.asp Please read it in…
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Halifax Clarity Credit Card
Hi has anybody withdrawn money from this card? I have not used my £300 limit yet for the £5 cash back this month but my regular account is running low on funds so was wondering how much it would cost to withdraw money from a cash point. I have read q and a and this is what it says on the subject.... Will I get charged…
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Will Barclaycard really reduce our interest rate...?
My partner lost his job last week which means our income has been halved. We have been working hard to reduce our credit card debt and have one card with Barclaycard left with £6000 left on it. This week we have cancelled some DD and looked at ways to cut our outgoings. Have also been on here to pick up any tips. So will…
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New Credit Agreement on Report
Hello, Firstly I'm sorry if I've posted this in the wrong area. I've just checked my credit report. On the 3rd of November there is an 'alert' that I have a 'New Credit Agreement' and a 'New Linked Address' The information shown is from BT and just says "New information". The address is the my student house when I was at…
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DH temp job......
As an addition to my previous post. The last time DH applied for a cc he was in permanent employment. Since then he has been made redundant and has been temping for the same company (not the same as he was made redundant from...) for the past year or more. My question is, will the fact he is temping for an agency hinder…
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'Fair' Credit Score
Hi, My credit report claims “You have no successfully settled non-mail order accounts”. It is the only ‘negative’ on my report (I have no positives!!) I have lived in the UK for over three years, I am on the electoral register, I am employed, have a net income of over £50,000 per annum and I live in rented accommodation. I…
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HSBC Credit Card Collections phonecall
HSBC called me a few minutes ago demanding payment for my credit card! I have never missed a payment on this card however I do always make a minimum payment. The money due date isn't for a few weeks and they were asking me if I'd like to pay the minimum right away from my current account. Is there anything they can do as I…
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Credit surcharge, or not?
I've just paid my daughter's school trip deposit of £300. The two tick box options for payment were either cheque, or credit card with 2.5% surcharge. Not having a credit card, and not wanting to incur a surcharge, I paid using my visa debit card, only to find that I've been charged the surcharge anyway. Was I just naive…
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Barclaycard search alert
I have been carefully waiting and planning to apply for credit for over a year and I got this message today from Equifax Alerts BARCLAYCARD - HD DECISIONS LTD , a Financial Services company, has made an inquiry against your credit report... If you were not aware of or did not consent to this search, contact BARCLAYCARD -…
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Will be looking for another 0% card in Feb
But am unsure if we will be accepted. I have done a forum search with various jargon but cannot find exactly what i'm looking for. We currently have £5399 on cc1 (DH name) £6749 on cc2 (my name) £4218 on cc3 (my name) It's DH card which runs out in Feb. Neither of us have ever missed any payments as such (i have 2 late…
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Please help me explain why I've been charged interest this month (Capital One)
Hello all, I hope you can help me with this, I can't quite understand what's happened with this. A bit of background: In my September statement (dated 8th September), I had a balance of apx £950 on my Capital One Cashback credit card. I paid this off in full on 10th September via a balance transfer to a 0% card. After this…
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Refused Credit due to Nationwide Mistake
Hi all, Hopefully someone on here will be able to give me some advice. I recently applied for a barclaycard in order to do a balance transfer from my (only other) existing credit card. I think I fulfill all the other criteria. It was refused on the basis that I have defualted on another credit agreement. This is definately…
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Halifax One Card
Hi My new Halifax one was showing in internet banking yesterday with the credit limit. I have not received the card yet but have been told that I should have the card by the end of the month. I log on to internet banking this morning and the card is still showing but it now says N/A under the credit limit. There is a…
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Statutory report
Hi there Would love some advice please. I was about to order my online £2 reports and realized a lot of the advice on here suggests to get reports sent by post. Is there a reason for that, do the reports differ, or is it so you can refer to the report later Thank you in advance
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Any advantage/disadvantage to just getting my first credit card with my bank?
Hi all, I've been looking to get a credit card simply for the purpose of "building credit". I've been looking for a while but haven't had any really stand out to me (I don't intend on making any large purchases any time soon and will always pay the balance in full and on time) so it feels as though it would simply be more…
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Credit report lower than expected.
Hi all Can anyone help with how I go about getting information onto my credit report. For over 10 years I have had the same credit card, however it doesn't show up on my credit report and as a result I think my credit score is a lot lower than it should be and I am unable to get another decent (eg one with cashback or…
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Spend £5 or more and get £5 amex credit back at every participating shop!!
Register your Amex card on this site: www dot amexshopsmall dot co dot uk (the forum won't let me post links as a new user!) For every single time you shop at a participating store during the month of November and spend £5 or more, you get £5 cashback back onto your amex! You punch in your post code and see which stores…
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Good credit but not accepted for credit card
As fas as I know, I have a good credit rating - I have used the free trials on some of the credit rating websites and there has been nothing "bad" come up. I have had store cards, catalogue accounts, argos card for years and have always paid on time. I do currently have a credit card with Nationwide but I wanted to…
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overdraft
I have got an appiontment to apply for an overdraft with my bank, halifax, on friday. Im am a full time student at university, i have a job which i get around £500 a month, but as i work extra shifts i generally comme out with some more money. I also get my student loan which will come through in january and then in april.…
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Mastercard rules - charge back refused
Hello All, I'm hoping someone can help me on this, A parcel delivery contract bought paying through Tesco CC / Mastercard arrived damaged. Having exceeded all options with the courier booking company I approached Tesco CC requesting a Charge back for the actual booking fee. As the booking fee cost less than 100 pound…
