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Minimum payments
I've read a few posts on here advising anyone to make more than the minimum payment, even if £1 more. I have a couple of 0% balances at the moment, and I'm making the minimum payment on them. Is this a bad idea? It wouldn't be a problem to pay a bit more, but as they are 0% I'm a bit reluctant.It's not much of a faff to do…
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A couple in need of a credit rating!!!!!
Hi all, Well the title says it all really :) We need a credit score/rating. Recently we had an accident in our car - nothing major - phew!! But we got a courtesy car and when we went for a drive the first thing we said was it would be no family car. We got married in may and have been together for 7 years, moved in…
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Balance transfer while out of work..
I have about £1600 on a Tesco credit card and currently have found myself out of work. I would like to transfer the balance to one of the 0% deals out there but know employment is a question that will be asked on the application. Is it a waste of time and a hit against my credit rating to try apply for one of these? The…
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Mint over limit charge
I went over my limit in October and Mint applied the over limit fee, which I was expecting. I then paid £300 in November to make sure this wouldn't happen again. December's statement came and Mint had AGAIN CHARGED me an over limit fee! I phoned Mint and asked why they had done this and was told 'you shouldn't go over the…
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Best banks to apply for credit card
Who are the best companys to apply for credit cards from, I have a vanquis card at the moment, hence I had bad credit, but that is gone now & I have a business account, mobile telephone etc. I am surprised though, I have tried for HP finance & 2 credit cards in the last 6 months, & been declined, I am not a homeowner, but…
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4 Credit card applications(1 day)when will these 'searches' appear on the credit fil
if in 1 day, 4 credit card application, for 4 different credit cards are applied for, then when will these searches 'footprints' be on my credit files? (experien, equifax) immediately? or after some weeks? or days ?
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Do credit card companys require income statements
Do credit card companys require income statements, if so which ones ?
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Are AMEX credit cards harder to be accpted with, compared to others?
When applyinng for American express credit cards, are these harder/stricter to apply for, to be accepted? (as they are a top credit card company) or would the criteria be almost similar to the rest of the cards, (credit check, credit score, etc) Have you been accepted for an amex credit card ? and what was your credit…
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pay off debt from same credit card i have cash transfer from?
Hi, I've been offered 0% on money transfers to my current account until December 2013-so i was thinking that currently i'm paying interest on my credit card purchases so could i borrow enough money to clear this off at 0% or are there things in place to stop this? i.e. i owe £1500 on Virgin credit card and paying interest…
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Credit Reports not being updated
Hello, I am in the process of building up my credit history and have held a Vanquis credit card for about 6 months now. Due to the high interest rate and limited credit limit I thought I would try and apply for a credit card with my bank of some 6 years or so. Unfortunately, I was declined. I have checked my credit reports…
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Applying for a 2nd credit card with same company and transfering Credit limit
Can anyone give me any advice...I have a barclaycard credit card, which I have not used for some time and the balance was paid....it has a credit limit of about £5000. I now need this money and called to find out my 0% had expired. I was told that if I apply for a 2nd card with them and it is accepted (hopefully should be…
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Cancelling credit card and its effect on my credit score
Evening, I have three credit cards, all of which I always pay off in full and on time. I've got one with my bank, one with Barclaycard and another with Amazon, which I've literally just taken out in the last few weeks. I don't know how much detail anyone needs to be able to give me the answer I want, but the Barclaycard I…
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Nationwide Debit Card Abroad
Using a Nationwide Debit Card Abroad, when you withdraw cash from a ATM, I understand you pay £1 per use. Is this the only charge?
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accepted then rejected!!!
Hi, hope somebody can offer me a bit of advice. Recently applied for a barclaycard initial, got accepted - got my card yesterday and even a free Mr B toy from off the adverts ( my son loves it! ) then get home today with a letter saying following a further review of your account i am sorry to advise we are unable to offer…
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Any alternatives to CPP?
CPP has come up for 3 year renewal. Are there any alternatives to CPP and is CPP of any real value?
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Transferring To VIRGIN Pre-Paid Card
Hi, My friend went to top up my account with his natwest card, we went on virgin website and topped up as normal(virgin pre paid visa), it said payment rejected but the payment was authorised by natwest and it has left his account. Virgin have said it was rejected because of the card used to pay was in his name not mine…
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Capital one secured card
My partner has a secured card issued by capital one, which she put £49 deposit down and got a credit limit of £200. Does anyone know if and when they increase the credit limit? Had the card 6 months now, and always paid in full when payment due and never missed a payment.
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Balance transfer when cancelling card
Hi, Apologies if this is covered elsewhere but I wondered if anyone knew whether you can make a balance transfer to another card when on the phone cancelling the current one with the debt. I know this is awkwardly convoluted but I'm having a dispute with my issuer and the only way I can see to get any action is by…
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Virgin/MBNA 0% Purchases And 0% Balance Transfer - Paid Purchases Early Question
Hi guys, a bit of a puzzler here. I've got a Virgin/MBNA card which had 0% on BTs ending on 3rd October 2013 and 0% on purchases which ended on 3rd December 2012. I made a payment to clear the full amount incurred by purchases on the 30th of November to give it plenty of time to clear (payment was due by the 4th) and so…
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Barclaycard - Can I claim a phone call back?
Apologies in advance if this is in the wrong section. I have a barclaycard and I keep having to chase them. Today I was on the phone to them for 40 minutes to an 0844 number which cost me 35p a minute. They admitted a mistake on there behalf, so can I claim the cost of this call back, it cost me £14 in the end for their…
