-
Week delay for crediting card with DD payment?
Hi all, I pay off my BarclayCard Visa balance in full each month via a direct debit from my NatWest current account. This month, the day after the DD was scheduled to be processed, I logged in and noticed to my surprise that, though the direct debit showed in the recent transactions list for both BarclayCard and NatWest,…
-
Capital One
I already received my PIN Number from them This arrived pretty fast.. 24 Hours after my application was accepted They say the card was post on the 10th Of December and that I should receive it within seven to thirteen working days.. Anyone know if I will receive the card before Christmas? Or had any other issues with…
-
Credit card repayment - can't get my head round the maths
Hi, I hope this isn't a daft post but I can't get my head around the maths and could do with some help. I now have an extra £200 a month to pay down the £5,000 owing on my Sainsbury's Bank credit card (not in arrears or anything and paying £100 a month currently) APR is daft at 29.9% My question is am I better off putting…
-
First Credit Report, worse than expected, need help understanding
Hello, I have just seen my first credit report, and I was expecting it to be a bit better, but having read through it, I think that all the negatives arent that bad, and will be fixed in time, but I need your help to clarify them for me. Quick Background - I have got my first Credit Card half a year ago (3500 limit, using…
-
Balance transfer dilemma
Hey all, I need some advice regarding a balance transfer that I need to sort out in a few weeks. I currently have a barclaycard with 6.5k debt that has been transferred form another card 18 months ago which is coming to the end of the 0% deal in a few weeks. I have applied and received a new baalyacard with 22 months 0%…
-
Vanquis Cards
I pay mine and my husbands vanquis cards and we owe £3k on each card. I intend to pay £200 each month off each card and my question is; would I be better paying £200 off each card or say £300 to one and £100 to the other until the first ones paid off then pay all the £400 on the remaining card? Ideally I would transfer the…
-
Turned down and surprised
Probably a straightforward one for some of you but just been turned down for 0% balance transfer when I felt it would been straightforward. My experian score is high (is it worth anything?), secured a decent mortgage last year and I just want to crack on. What's the general rule on trying again? Do i need to wait months to…
-
Santander CC question
Hi, I usually pay my credit cards bills by direct debit but have a Santander CC where this is not the case. As such, does anyone know how long Santander take to record a payment to one of their credit cards if it is made: a) using a debit card (via their online banking website); b) as a faster payment (from a current…
-
Quick Question
Hey Everyone - I'm a newbie so please bear with me! I Would be interested in people's opinion on this question! I have a number of credit cards that have APR's ranging from 15.9% to 24.9% with large balances. I also have a credit card that has an APR of 6.8% with a large balance. Instead of buying my food and petrol from…
-
APR confusion!
Hi All, I'm just about to apply for a new credit card because I'm sure mine's extortionate (I have kept it for the last year purely to rebuild my credit after a financial disaster a few years back). I looked on my statement to find my APR, so I could compare it to what's on offer. All I found was this: "Interest charged…
-
Asda Money Q & A
I noticed a few disgruntled people on here concerning the Asda Money Credit Card, so I thought I would offer the inside scoop. Post any questions you have and I'll try and answer them. Please note I wont break the data protection act.
-
Please ignore, found answer
Ignore me, found the answer in the main section where I should have looked first!
-
Previous owner applying for credit at my address
Hello I recently had a letter from Very addressed to the previous owner but at my address. It was declining his application for credit. I have had letters and phone calls for him before chasing debts so know he must have had some credit problems. I am livid that he has used my address and can not fathom why he thought he…
-
Negative var finance rolled int new finance??
I have around £3000 negative car finance and need to buy a 4x4 as my wife has just had our second beautiful daughter. Does anyone know any finance companies that will add negative equity into a new agreement?
-
Old HSBC credit card problem
Hi all, I wasn't 100% sure where to put this so thought I would start here, feel free to move if it fits better in another section. The problem is; I had a HSBC credit card and I got in to some real problems financially around 2008. A family member helped me out and I paid 50% of the outstanding balance in final settlement…
-
Reducing Card Limit - Affect Credit Score?
Hi all. Earlier this year I applied for a new credit card but was turned down. As my credit score was pretty good only conclusion was the potential amount of debt I had was working against me. I will be getting rid of two cards next month but was wondering whether to reduce the limit on the remaining one. Would doing so…
-
Creation - Shows Overlimit as AVIALABLE !
Hi chaps I have a headache - and a bit of a problem Creation have recently updated their webpage, and the new web design has caused me a major headache. Usually when I am out shopping I just log on my phone and check the "available to spend" line, I've gone over my agreed credit limit as both the "Available to Spend "line…
-
HSBC Have Something to Hide!!!
Hi all, Something very strange has happened! I recently wrote to HSBC repeatedly (three letters over three months) to simply ask what late payments they have recorded against me in the last 12 months. The reason, which I did not mention to them in the letters, was because I was late in paying them at the end of last year…
-
Tesco Credit Card - interest payments?
We use our Tesco Credit Card for all our purchases to get points and then pay our bill off in full. We pay the minimum payment by direct debit and then pay the remainder manually. The month before last I paid on the due date, but for some reason my bank didn't pay it in the normal faster payment 2 hours, but for the next…
-
New account or accept bank's offer
Hi all, I have a Barclaycard I ran up a bill of £1900 on which I am now paying back at a rate of about £200 per month (balance now stands at £1500). I'm outside my promotional rate now, and would like to transfer at least some of the remaining balance to a new 0% card to get it paid down faster. I have an existing card…
