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Overseas card with 0% purchases
Hi, I need to book some flights with an overseas airline and the payment is taken in Hong Kong dollars. I Would like to make the purchase with a credit card offering 0% on purchases for a period of 7 months or more so I can delay the payment for a while. Can anyone suggest a suitable card for this? I only need a credit…
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Can i claim back when hospitial bust?
I dont know what to do, i recently had gastric balloon proceedure, paid £2500 card (1000debit, 1500creditcard), £2500 loan on a fixed 0% agreement. had the balloon done (12 month support plus unlimited fills, dietician etc) and had a phone call saying hospital A MONTH after having balloon has gone into admin, they cant…
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Applied for Halifax 0% card, but given different option.
Applied for the Halifax 0% on purchases card for 15 months. 17.9% APR. Received a letter today saying they can off me a card but at 23.9 % APR. 11 months on purchases at 0%. But I standard 23.95% (per annum compounded. I don't plan on spending alot on it, just for Christmas and a way of building up my Credit score. Will be…
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Credit Card with poor history and address issues
Ok, ill try to keep this as short as possible, and I apologize if I give too much info. Basically, my Partner has had a poor credit history, she started her own business around 3-4 years ago which during the first year was reasonably low income, its now earning decent money. She did this while also at university, thus…
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Credit Reports & Insurance Quotes
Hi, Hoping someone can help! I'm getting a new car soon so i've been searching for insurance online. I've probably made around 20ish searches cos I'm not sure what car i'll be getting. How does this affect my credit report? I can obviously see all the searches on all the credit reports, but do potential lenders see all…
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Problems Reducing MbNA Credit Limit
As a disciple of moneysavingexpert, I have taken a few hours today to make those calls, be a rate-tart etc. I have a 0% deal on an MBNA card, which is about to come to an end and I noticed that they had also put my credit limit. I rang them to reduce the credit limit, but when I got through to a service advisor and I said…
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Need some advice ab out which card...
Afternoon all I'm looking to get a new credit card to transfer my existing balance to but have been declined by MBNA and I don't want to make too many applications as it would look bad on my credit rating. At the moment I have - £6250 available credit (CC and Catalogue) £3500 CC debt to be transferred £2000 credit union…
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Trouble with Lloyds Credit Card, massive fines incured
Hi guys, A friend of mine has been telling me over the weekend of his difficulty paying off his Lloyds credit card after experiencing some financial hardship recently. I was concerned that his treatment by Lloyds was pretty harsh and their conduct may be violating FSA regulations. Basically, as a result of a few expensive…
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Credit Card newbie
Hi I'm new to all this credit card business and I'm hoping to apply for one to give me a little extra help for Christmas. Am I right in thinking I can apply for a 0% interest card and pay no interest as long as I pay off the card before the deal runs out? I'm only looking to spend on the card up until just after Christmas.…
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Capital One - Pay Bill Card
Does anyone know if you can use a VISA credit card for paying your bill off? It allows you to add it and save but not sure what happens when you try to pay the card off and input the CVV. Plus does the card issuer (in this case MBNA) class as purchase or cash? Only doing this to maximise the cashback on each card. But…
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Credit card application...
I applied for credit card, got approvd but have changed my mind and dont want it so just didnt send back the signed form to finalise the agreement. Halifax have sent me a letter today asking if i need it reissued. Shall I call and tell them iv changed my mind? Or shall i just ignore it?
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Need advice....
Sorry i don't know where to put this. I was made redundant in 2004, i had two credit cards one is for Natwest and this is the one i want advice on. I have been paying £1.50 token payments (less than £1500 owed) to NatWest for 8 years by standing order for the credit card, its never been sold on they have kept it in-house,…
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credit card no notification of payment bounced back! now late payment charge!
My house of fraser credit card bill came through and was due on the 1st november.....i paid it in full online on the 22nd Oct but unbeknown to me the payment came back into my account the next day, no notification from my bank or the credit card. So there was me thinking id paid my bill and while i was away for the weekend…
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M&S Credit Card Intrest
Hello sorry - I am planning on having 3000 on my M&S card for approx 3 months. Not sure what the APR is, but how much interest will I be charged each month. Thank you
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How early is too early to pay CC bill?
I remember getting stung not too long ago paying my credit card too early, I thought I was being very organised paying it two weeks early, then my due date came and I got a call from my CC company. I later changed the bill date to be closer to my payday and it wasn’t an issue again. I now have a Nationwide CC and paid off…
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Advice on when to Apply for Criedt Card
Hey all, My Virgin Credit Card's 0% on Purchases has ended and I have paid it off. Balance is now £0 of £5500 available Credit. I have an M&S Credit Card which has 0% purchases and is using about £3800 of a £4500 Credit limit. I’ve slowly been spending on the M&S card to free my cash account up to clear the virgin card…
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Tesco ClubCard CC + Aqua Cashback Card
I currently seem to be filling up alot at Tesco petrol station around £120 a month. I currently only have the standard clubcard. I use this along side my aqua 3% cashback card. I see I only get half the points on this i.e £120 fill up gives me 60 clubcard points. I was thinking is it possible for me to get the Clubcard…
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Purchase protection insurance, do I have it?
Hi, I have unfortunately been robbed and I only bought the bike 6 days ago! I paid on hsbc MasterCard and a Santander credit card. I see that purchase protection insurance covers for stolen items for up to 90 days but I can't find out if I have it. Any help is much appreciated. Rich.
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Amex dormancy fee
They just charged me £20 because i don't use the card. The letter says i can close the account and claim it back. Really, they want to get money by any possible means!
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Credit card to rebuild credit score
I have just been declined a personal loan from my local credit union. I have had one or two problems recently regarding some missed payments, which I have made arrangements to bring these up-to-date. I have read up on applying for credit cards from the likes of vanquis/aqua/capital one etc and using them to re-build your…
