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Banking help... spending abroad
Good Evening MSE users Recently I went to Orlando, Florida. I bank with HSBC and when you have internet banking you can tell HSBC that you are going abroad so that they know that it is not a fraudulent purchase. I told HSBC that I was in the United states for the dates that I was there, However when I tried to buy…
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Making a deal with Credit card companies
Hi Has anyone ever made a deal with their credit card company to reduce/pay-off the amount they owe? If so, is it advisable? Does it affect your Credit score?
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Barclaycard £50 Credit for bad press
Just rang Barclaycard to cancel after 18 months 0% purchases rate ran out. The man on the phone was trying to persuade me to stay with balance transfers etc. I said that I wasn't happy with the negative publicity re LIBOR etc. He then offered me £50 credit on my account to "appease" me. Has anyone else encountered this?
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Higher balance first?
I've got a 0% balance transfer deal with Barclaycard coming to an end on 01/02/2013. I also have a 6.9% life of balance deal on the same card. I want to move the 0% sum to another card, but I was wondering if B/card will automatically credit the payment to the life of balance deal, or are they flexible about how repayments…
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Credit limit decresed causing over limit
A few weeks back now i received a letter to inform me that my credit limit was getting increased from £500 to £600, this all happened fine and the limit was £600 I had some car repairs last week and was forced to use the card, however i have just checked and the limit has gone back down to £550 causing me to go over limit…
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Balance transfer between Capital1 and Halifax
Hi All, I have capital1 credit card (have been using it for last six months) which has a balance allowance of £800. I have used only £230 since last month. I recently got a credit card (£750) from Halifax bank (seven days ago). It has 0% interest for 12 months if I do purchases or balance transfer (charge 3% of amount per…
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Over limit charge - affect on credit?
Hi all, Coming up to a year ago I finally decided to get a credit card and build some credit history, I've never missed payments and was doing everything correctly. After 6 months I received a letter informing me that my credit limit was to be upped from £600 to £1200. This increase could not have come at a better time as…
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Student Credit Card limit
**Title meant to say interest free period** Basically I've had a student credit card for awhile but have never had the need to use it until now. It's with Lloyds and has a 56 day interest free period, which is what i'm unclear about. I made a purchase with the card on 19th December, only for £25. I made the rookie…
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Credit decline from 3 mobile
Hi, I applied for a contract phone (my second) on 3 this morning and was declined at the credit check. I've had a contract phone with 3 for over 8 years, have bought a house this summer and have only one credit card (with a manageable non-maxed out limit). I've been with my bank for 28 years and my employer for 12 and have…
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guarantor - Vanquis
Hi , I'm sorry if there is another post discussing this but i am in need of some advice. My partner was a guarantor of her ex-husbands credit card to Vanquis. They recently got in contact with her regarding his card, which was of course maxed out and he has since vanished. My partner pays a fee of about £20 monthly to…
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Paying someone elses credit card bill
Hi, I wondered if it was possible to pay someone elses credit card through my bank?...it is my mothers card.
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Thai bank issues - advice needed!
Thanks in advance peeps - Hi everyone. Hoping for some friendly advice about recent shenanigans. A few years ago I received incorrect information from a credit card company about a transaction on my statement. I was told this transaction happened in Japan when I was travelling through Thailand. I had my card stopped,…
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vanquis
hiya have cut up my vanquis card but now need to make the last payment to clear it.the card nnumber is not online or on my statements, any ideas how i can do this x
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Bank of Scotland Credit Card Guaranteed ?
Quick question to the more experienced out there !. I have current accounts with the Halifax and Bank of Scotland, when I was in a Bank of Scotland branch last week the advisor showed me a screen on her computer called ‘Customer Insight’, and on it there was a credit card that could be applied for with a £2750 limit. Does…
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how to beat balance tranfers rules
Hi, Im sure that i have gone about this the lazy/not the most affective way, but im new to this money saving malarky. Ive took on the Barclaycard 0% for 24 months off, to try and cut out the interest on a few other loose ends i have. I didnt realise that the 0% only applied to credit card transfers. Anyway my newbie way of…
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Barclaycard Platinum
Hi...for those who might be interested to know. I currently have 2 Barclaycard, 1 x Platinum with £8000 limit & 1 x Oyster card with a £5600 limit. Had a MBNA balance that I needed to transfer but the best I got from Barclaycard was 0% for 9 months....so decided to apply for another Platinum Barclaycard and see what would…
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Overpaying credit card and cancelling
I have just been approved for a new Barclaycard (C1). 0% interest on balance transfers for 24 months. Assuming another card (C2) has £1,000 on it and I transfer a balance of £1,500 from C1 to C2. When I then cancel C2, will I receive a cheque worth £500 from the card company (forgetting any interest)? What happens in this…
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Understanding Cash withdrawals
Hi Just want to understand cash withdrawals on a credit card really Ive never done it before and I have a Vanquis CC which is 39.9% So If i was to withdraw £20 how much would you be looking at if i paid that back in 5 days? Then how much would it be if I withdrew £20 but for 10 days and so on sorry for the noob question :)
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Plan to get Argos Balance onto 0% card??
Hi I have been attepting to transfer my balance from my Argos card to a 0% cc I have been offered but ran into the issue discussed on here a few times about the unusual length of the Argos card number not being accepted! :mad: The only thing I can think to do is use my husbands empty cc for a month or so buying everything…
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Is it best to pay off credit cards straight away or wait for a statement?
In terms of what is best for increasing your credit score, is it best to pay off a creditcard straight away when making daily/weekly purchases or is it better to wait for a statement with a payment deadline then pay it off in one big payment, or does it not make a difference? :huh::huh::huh: Thanks in advance, Chris M
