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CCS Advice
Signed up to CCS Advices services in August 2012 before the entry about this company was made on this site. I have spent this evening researching in depth about scams around this subject. The information I have found is quite distressing. Within the contract they say you can terminate the contract at anytime. I have…
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credit card debet
i have found myself in a problem ,i have four credit cards, and they have just sent me a letter saying the interest is going up to 25% and this is going to be more than i can pay what can i doas it is becoming a nightmare?
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using credit card once mortgage has been completed??
HI, we are in the process of buying new build, we have all the costs covered barr all the new flooring. The builders will let us 'settle' the account for the floors once the mortgage is complete, just wanting to check.. Once the mortgage has gone through is it okay to wack £2k on one of my cards, might not make my credit…
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Nationwide credit card payment question
Hi all I've just logged onto my Nationwide cc account and I can't see anywhere to make a payment. When I click on the "Move money and manage payments" tab, I get a message saying I don't have any accounts that allow transfers or payments. Does anyone know what I need to do? Thanks
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Santandar 123 Credit Card
DO NOT USE THE Santandar 123 Credit Card. We have had our card for 4 months. For the past two months I called Santander to pay the card balance in full as Martin advised. The Santander operator told me to pay the wrong amount twice and as a result I was changed £110 interest in total (for September and October). When I…
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Barclaycard Confusion
Hi don't know if anyone has experience of this but i am looking to balance transfer the overdraft on my barclays graduate account to my barclaycard will this work? If not is it possible to cash transfer money into my barclays graduate or current account and pay it off? And if this is not possible is it possible to pay…
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NOOB with a Credit Card
Evening ladies and Gentlemen Ive just been accepted for a Vanquis Credit Card with £500 linit Ive never had a CC before and would like some help or advice on how to use it, The only real reason I applied for one was to build my credit score Any advice would be most appreciated :T
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Default
How detrimental would a default of £51.00 from Feb 2010 be on my credit report from BT when applying for credit. Cheers ;-)
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Does Section 75 cover counterfeit goods?
Hi all, I've recently purchased goods from a retailer online but unfortunately I've since found out its listed as supplying counterfeit goods (according to the official manufacturers website). I've tried to contact the seller to cancel the order and issue a refund however without response. The order status has not moved on…
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How quickly do credit checks show on credit report?
How soon after applying for credit does it show up on your report? ie if they did the search today, when can i see the search>? wana make sure they only did one search! any ideas thanks?
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Debit card charges
I have just made a payment via 'Streamline' over the telephone with my NATIONWIDE VISA DEBIT card. I have been charged 2% on top of my payment. I was warned of the fee so no complaint there. Does anybody know how much 'Streamline ' charge its business customers for their terminals. Has the company I made payment to making…
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Anyone used checkmyfile.com?
Hi All, I had a bit of a disaster in 2008/9 with my finances and, as such, ended up (probably) with a very bad credit history. However, I kept one of my credit card accounts open with the hope of rebuilding my credit history. Last year, I thought I may be in with a chance - I'd been using my card for most purchases and…
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When to pay credit card balance - any difference?
Hello, I like to pay my credit card balance as soon as I get the summary in the of the month - I don't like to wait for another month, thus thinking that I have more money than I actually do. (I dont like my money to be displayed like that: 2000 in savings, 1000 in credit - I'd rather have 1000 in saving, 0 credit all the…
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Transaction Fees
Are there any cards out there that don't charge a ridiculous fee for using it abroad? I have just found out that my CC company have been charging me a conversion rate fee but have not been showing it separately and have only just decided to be 'transparent' about it.. I am fuming!! I have been with them for a good 7 or 8…
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How soon to apply for an extra CC after having one?
Hi, me back with silly questions agin, sorry! About a montha go I applied for (and was successfull) in getting a Barlcaycard qith a 0% 23 months BT rate. Ive used this to clear my other card which was used in times of finacial hardship and am now comftably paying back the balance over the time I have before the BT ends.…
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Egg upping credit limits?
Hi, I've been looking in to PPI and found some letters from Egg. I was really struggling to pay off the card and over my limit for long periods. They used to send me letters saying they have increased my credit limit without consent, which I ended up struggling even more with. Are they allowed to do this or is this…
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buying car is it classed as goods?
hi We are due to buy a car, and am going to put it on cc. Now does this count as a cash purchase? or goods? If cash, could anyone tell me where to find cards that let you have 0% on cash thanks
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£36 cashback for every £100 spent??!!
Article about cashback credit cards on BBC websdite today http://www.bbc.co.uk/news/business-20208285 Interesting claim about the amount of cashback available. If anyone can find a cashback credit card offering £36 cashback for every £100 spent, please let me (and Martin Lewis) know! Even the lowest figure (1.1%) isn't…
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Closing Barclays Bank Account will have effect on Barclaycard?
Hi there, I'm thinking to switch to 1st Direct bank account, and I'm both a Barclays and Barclaycard customer. I just wonder whether if I close my Barclays account the Barclaycard will be closed as well or they withdraw my 0% for 14 months - when I changed address with Barclays my Barclaycard record was updated…
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Halifax credit card
Has anyone had the same problem as me? I have a Halifax c.c. the new months starts on the 4th of each month, unless a weekend then next working day, this month was the 5th, usually payments less than 2 days before goes onto next month, no longer in the past few months payments made up to the night before appear, I paid at…
