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Balance transfer question
I'm transferring a balance from my M&S card to a 0% Barclaycard offer, and wondered what would happen if I transferred more than the balance of the card? Would the overpayment be refunded to my bank account from M&S or will it be returned to Barclaycard?
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Contact address for virgin credit card
Hello, Does anyone know a address to contact virgin via writing so I cancel my credit card with them, have looked and they have phone numbers but would rather to it the traditional way through good old letter! Thanks
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Credit report experion
Hi. I bought a subscription a couple of months ago, then canceled it. during then my credit report was "excellent" with more than 925 rating. I signed in again and subscribed and now it says "good" with around 894 rating. how come? all my bills/credit cards etc.. are always paid on time and in full. never ever missed a…
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3v voucher not authorised but money taken
3v is a visa prepaid voucher, same numbers as on a visa card with a cvv etc. I tried to pay for some goods at a few places online and it gave error code as not authorised. I tried several times and when I looked at the card balance online later, it was wiped out to zero! I called the companies I tried to order from and…
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CapitalOne Credit Cards - Student needs help.
I been getting a lot of credit card companies wanting me to sign up and capital one keeps sending me letters. Anyway I did not know what a CC (Credit Card) was until now. Basically I have a spending limit and can buy stuff and the company will pay it for me and I will pay them at a later date inc interest. So it does not…
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Balance transfer
Hi there, hope someone can help. I have two credit cards with a balance to clear. They both offer me a balance transfer, so I can swich debt to one another. At the moment I have done one balance transfer. I ve realized I need to spend £500 on one of the credit card, and I am following an advice that I have seen on this…
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Cheapest card to use abroad (pay as less fees as possible)
I hope this is the right forum to ask this question. I would like to know if there is any card which I can use abroad. For example, a card that for every £100 if used in the USA would give me $160 with no fees (based on today's exchange rate more or less).... Is there any card that can serve for this purposes with AS LESS…
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Experian Question
Hello fine people, just a quick question, i signed up to Experian today for the first timw to check my credit report, thinking i would check and then close before th 30 free trial expires but upon signing up and confirming everything i was visited with a message stating ' in order to process your creditExpert application,…
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What to do?
Hi guys, I am new here and need some advice. I need to get my hands on about £15,000 in around 4 weeks time to complete on a house. The house is going for £100,000 and I have around £85,000 in cash and there is'nt much to do to the house. What is the best way to get this? I currently own 2 houses(with no mortgages), live…
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Fastest way to pay off credit card
I had an interest free deal wwwith Virgin and just notice it has expired. My statement says "Payment due date: 5/12/12". Is there any way I can get the money to them in time so I don't get hit with the interest penalty? Thanks, Jon
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I think i might have done something stupid
Hi there I might ahve just done something rather stupid and costly! I got a 0% balance transfer barclaycard about a month ago, and transfered aprox £1,000 balance to it, no problems. However, it also had 3 months 0% on purchases, whihc today I used to buy fuel as my pay is late and I thought I was being savy by avoiding a…
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Moving direct debits from current acc to credit card
As I've just got a cashback CC I'd like to transfer all my DD's to it. Is there an easy way to do it or do I have to start them again?
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Credit Card Balance transfers for retired people
Hi There Can retired people get credit card balance transfers? My father has a NatWest CC, he has approx £1750 on the card and is paying off £55-00 per month, about £40.00 is interest charges, so so basically it will take him years to pay this off. He lives on his various pensions and disability allowances, and he is a…
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Balance Transfer Question
A couple of queries if anyone can answer please. If I transfer a balance from credit card A to B, will B close my credit card account? Also, will this have a negative impact on my credit status / report? Thanks for your help.
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Is this a good xmas present
I am thinking of purchasing 'pay as you' go credit card for my cousin Christmas present, he is 11 years of age, is this a good idea and would it help to get him to manager his money later in life.:T
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Virgin - Existing customer balance transfer offers ?
Hi Every year since i have had my virgin CC they have offered me balance transfers and 0% until now ? Is this common across other customers ? is there anything i can do to get them to offer me something ? cheers J
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Nationwide credit card
Hi, My OH applied for a 0% balance transfer credit card over 2 weeks ago, he got an agreement in principle with a credit limit of £4,500 and a rate of 9.9%, which i gather is an acceptance from what i've read on other threads. But he still hasn't received it, is this normal? i'm worried it may have been intercepted and…
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Incorrect interest charge on Halifax Clarity card?
Hi Normally i clear off the balance in full on my Clarity card (APR 12.9%) but on my 20th October statement i had a balance of £165 (purchases only) and only paid £10 towards this a few days later. Between 1-10 Nov i made a few purchases for ~ £600 and on my Nov statement Halifax have charged me interest (approx £7) on the…
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Beginners help...
So a quick run down off me as I stand. I'm 18 and work as an apprentice for an accountancy firm, have done for the past 4 months. Before that I worked as a cleaner whilst studying my A-levels, I did that for about two years on and off (semi-causal kind of work, it was a weird set up) About two months ago I was going to be…
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Does anyone know...Barclaycard question
:wave: My Barclaycard min payment is due tomorrow by direct debit. If i pay an additional payment through the barclaycard website, it flags up saying 'this amount is less than the minimum payment do you want to proceed?' My question is, if i make an extra payment in this way will it affect the direct debit coming out? I…
