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Balance Transfer Question
I currently have two credit cards which are seriously sapping away at my household income. BarclayCard, owing around £1900 & Capital One around £950 I want to do a balance transfer, but my credit rating is coming back as poor, even though I haven't missed a payment over i 12 months (or outside that) and haven't applied for…
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I need 4 digit code (HSBC online banking)
I have a credit card with Tesco Bank and the account number has changed so im trying to set up a new online payee through my HSBC account. I have to use one of those digit generators but I get to the part where it says 'enter last four digits of bill or organistation number' I do not know these numbers ive tried putting in…
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Paying santander credit card
Hello :) I'm a bit of a newbie at credit cards, I got my first one about 2 months ago! I have a question about paying it off. I've clicked the section with my credit card, then I clicked 'Pay Santander Credit Card', then typed out my bank details at clicked pay total balance of £72, confirmed it, typed out the 'verify'…
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Anyone Got a Diners Card?
Been thinking about applying for one of these for a while but yet to actually meet anyone that has one. Main attraction for me is the free access to airport lounges - £50 per year for unlimited access versus £125 for two visits with the Amex Gold seems like a pretty good deal to me. I've also started noticing that…
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Nationwide- balance transfer fee reduced to 1.55%
http://www.nationwide.co.uk/creditcard/credit-card/offer-deals.htm?intcmp=Intcmp_1618 Apply via quidco and get £25 cashback too.:)
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Charged a cash advance fee for a Purchase and MBNA refusing to refund it
I bought a few things in Cash Generator on Friday, but I have been charged a Cash Advance fee. I rang up and queried this, and told them it was a purchase. But they said they would not refund it and was perfectly within their rights to do it. Is there any higher body I can report this skulduggery to? It's a play.com credit…
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Student refused CC and 2 Overdrafts?
Hi all, I'm 18, in my first year of university, and although I don't require or need any credit, I want to start building a good credit rating through both sensible use of my overdraft and or credit card. However, I have had a student account with both NatWest and Santander already, and both refused me an overdraft on more…
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Letter from Santander Opening team
I opened a new current account with santander 3 weeks ago and that was all sorted in the local branch, got my current account & credit card. Yesterday i got a letter from one of the account opening team that i should go to the local branch with pay slip, bank statement and a photo ID. Donot know what is wrong may be when i…
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Sainsburys credit card balance transfer
Hi, I applied for a credit card with Sainsburys on Friday (21st Dec) with an instant balance transfer from another credit card. Does anyone know how long the transfer should take bearing in mind Christmas bank hols? I've not had a confirmation email or anything about the application, and the link to sign up to online…
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Opening New Credit Card Account
Hi there, I'm planning on opening a Tesco Credit Card Account, transferring balances over from myself/girlfriend then paying off over a period of time. What I would like to know is how do I work out when the repayment date shall be as I believe it has a 51 day interest free period. Basically I should like my repayments to…
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Tesco Mastercard
Tesco recently changed their sort code and account details and sent out a letter advising as to the change. I changed the payment details at my First Direct account but missed out 1 digit from the card number as a reference causing the payment to be returned. When I noticed I rang Tesco Bank as I was 1 day late and they…
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How Long to charge your card??
I made a purchase back at the begining of December, using my credit card. It was at a major high street retailer (if that makes any difference). It was for a fairly small amount (less than £20). This still hasn't shown up on my card. I check online a few times throughout the month. My next bill is due to be issued shortly.…
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Can you be in credit on a credit card?
I have a credit card which I am slowly paying off. By my own calculations I would be a few years from having paid it off in full. I had about £230 to go (yes I am that broke) but a well meaning relative has given me a gift of £300. I'm delighted as this means I can pay off my balance! If I pay the cheque into my credit…
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Help Needed with Bank of Scotland Credit Card Application
Hi, Just looking for a bit of help and advice as I don't want to do the wrong thing !, to put you in the picture. I have a Capital One Credit card which I use from time to time and pay off in full when I do use it, the limit is £2100 and I have had it since 2008. When I was on the phone to Bank of Scotland the other day…
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Rejecting CC interest rate increase
I have an old CC I am slowly paying off (not used anymore) and I have just had a letter saying the APR is increasin from 37% to 48%. They say I can avoid this by closing the account and paying it off in a 'reasonable period'. Any ideas what a 'reasonable period' my be given I've got £5k to repay?
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reduced my b/card credit limit
Just to say Im feeling good as I have just called B/card and had them reduce my credit limit from £8,800 down to £5,500.
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Credit card legal represenation
on some credit cards agreements i'm sure i've seen that in using the card you get legal representation against a claim on the card for up to £50k, correct me if i'm wrong, so if you have an issue such as a section 75, and you need to challenge the credit provider, then does the credit provider you are up against have to…
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Letter from Santander.
Received a letter from Santander saying I was £0.63p in credit. I dont have a Santander card. Did some googling and it seems other people have had these in the past. There is a phone number to call 0871 522 5100 but googling that doesnt come up with any usefull information other that that I have just found it mentioned…
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Barclaycard - Positive Complaint Experience
Hello, I recently set up a DD with Barclaycard but I did so too close to the payment date and no money was debited. I was contacted rather rudely (genuinely needed to listen more) by a call centre and told I had missed a payment, and they wanted double the required minimum payment and credit agency’s would be "updated" to…
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Close accounts or not? In need of advice!
Hi, was hoping somebody might be able to give me some best advice as to what I should do with my credit cards. Cut a long story short, I have multiple credit card accounts on the go but have recentley been blessed with a barclaycard platinum with enough credit limit and 24 month interest free on balance transfers. So I…
