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So i have a Credit Card but I'm still 'Poor'
Afte lurking around this section and looking at Martins tips to getting better credit rating scores i finally signed up to an 'Aqua' credit card. Aqua gave me a credit card with only £250 max limit. This is where i stand: Income (After Tax) : £1300 Monthly Overdraft : £300 Direct Debits I pay off monthly (never missed one)…
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Debit card charges
Twice I've been charged in a few weeks for using my debit card,1st in my dentist a charge of 45p and now last night a 5% cost of items bought. What's going on,anyone else had this.
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A conundrum - money withdrawal without PIN
Hi all I hope this is the correct forum for this question - if not please redirect me. Early on Saturday morning my son's house was broken into. My wife's handbag was stolen with credit cards. The thieves then withdrew money from an ATM using 2 of the cards. BUT no PIN numbers were stored in my son's house - the number for…
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Credit Cards for cash withdrawal abroad
Hi I got the Halifax clarity based on MSE advising it doesn't charge fees for cash withdrawal when abroad (only interest from the day you withdraw). However I recently read somewhere where someone used it for this purpose and their credit rating was really affected and dropped like mad. I couldn't seem to see anything…
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Virgin Credit Card - wrong account number and card displaying
Hi, Am having a problem with my Virgin Credit Card. Yesterday I logged on to my account to check my balance and transactions and was surprised to see that the account number and the last 4 digits of my card number that were displayed had changed and were completely different! I've had the same card for a couple of years…
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Cash back credit cards
I am about to start a new job and need to buy a rail season ticket. I have left the previous job and wont start the new job until January. Any idea if there is a cash-back credit card I can get for this purchase?
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Template to dispute debt with MBNA
All: I am a newbie so please be patient. My MBNA creditcard is fraudlently used for 4000 GBP and they were refunded in full july, then again mysteriously a new investigator stated that he reviewed the complaint again and as i have not submitted enough evidence they will not consider that as fraud, my account will be…
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Barclaycard instant access
When logging into myBarclaycard I saw Barclaycard are giving access to your card details at the end of the application http://www.barclaycard.co.uk/personal/credit-cards/platinum-purchase Its a tad dangerous for ID theft isn't it?
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Luma c/c help
Hi guys, First time posting on here. I have just been accepted for a Luma C/C however when it got to the but of signing the electronic forms to send back, I cancelled out of the page by accident via the x in the top right hand corner of the browser. Whats the best way of going about sorting this out? Reapplying, do they…
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Post Office Mastercard
Fed up with no end of skimming on my credit card purchases abroad; six months ago I took a Post Office Mastercard credit card. They promise that there is no transaction charge for any purchase made overseas. True to their word I can confirm that they don't. However on the basis that you don't get owt for nowt; I expected…
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Credit report difference
Hi, I hope I put this in the right section, but can anyone tell me if there is a difference between the experian £2 report or the monthly report you get with the monthly subscription? I'm just curios as I have access to the monthly ones, but a while back I was told by my bank to purchase a £2 report even though I showed…
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Will this effect my credit history?
Hi Recently I have applied for a phone contract with dial-a-phone, I went through all the checks with them online eg seeing if i will be able to pay them (they took and repayed £1). I was told that the order was sent out until the next day when I got an email saying that I have failed my application due to a failed credit…
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Purchase protection insurance claim
Hello first post, I recently purchased the new iphone 5 with my capital one credit card which includes free purchase protection insurance for damage, so on the opening release of the iphone on the 21st of september i bought the phone on my credit card, 5 days after having the phone it developed a fault which apple replaced…
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Credit Card Applications
When you apply for a credit card, if you get denied they say you shouldn't apply for another one straight away. Is this the case for approvals as well? If you apply for a credit card and get approved. Is it worth applying for another card on the same day?
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Just a quick question...
I'm buying a car from a Main Ford Dealer (Evans Halshaw) When paying can I pay on 3 Credit Cards? I.E spread the cost over 3 cards. Thanks :)
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Robbing Peter to pay Paul
I am currently overdrawn on my debit card by £500 which the Halifax charges me £1 a day, so I pay around £30 a month in charges. Would it be cheaper if I were to withdraw £500 from my Hx credit card and pay off my overdraft ? I can pay off my credit card easier than getting my overdraft down as I pay it off online,but…
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Tesco cc - 'cash interest'?
Am I right in thinking a charge with the heading of 'cash interest' is interest payable if you have withdrawn cash from your cc via an ATM? There's a charge like this for a few pennies on our account and as OH is the main acc holder, they wont talk to me about it. OH isn't here right now and I'm curious. We have not…
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Is a Credit Card right for me?
Hi folks, I'm a first time poster and would like a little advice. I'm 24 and graduated university in May. University has left me with a little bit of debt with overdrafts. I've recently started a brand new job but I've just found out I'm going to be a dad. I really want to provide as best as I can but at the minute cant…
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application form help
Have been told my credit rating is too low for credit card. Have no mortgage, no debts, home owner, part time employed, declared always pay off in full at end of month. That might have been a mistake? Would it be better for hubby to apply as earns more & works full time. thanks
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Rise visa card
Right here goes..... I applied for rise visa 21st nov auto signed n gave bank details had a reply saying some one would ring me to double check information nov 23rd some one rang me went over app and said some one will get in touch with me by middle following week I have heard nothing since i have made numerous phone calls…
