Credit cards

Archives for January 2013

Order in my partners name cancelled
When applying for something on credit (in this case, camera equipment for my job) how exactly do they work? I tried to get credit yesterday but failed due to the post I said earlier. However, me and my partner had a chat and she said that she would have it in her name and pay for it, but I'd just have to pay her back. We…
Struggling to Pay Credit Cards
and am thinking of letting the credit card companies that we struggling and reach some agreement and stop interest but am worried because our fixed term with our mortgage runs out in one years time, and am worried that if i tell credit card companies it will go on my credit score and will struggle to get a mortgage when…
Paying off Credit Card balance
I have had a MBNA credit card now for some 15 - 20 years and had ran up a huge balance (c£12500). I have never missed a single payment and within the the next few weeks I will be in a position to pay off the balance (now around £9000). am i in a position to negotiate a lower settlement fee?
Ryanair 'Giveaway' Flight Offer - Any Joy?
Hi I took out the Ryanair Credit Card last year, and I must admit promptly after spending the £100 activation amount I received the Introductory Flight Voucher, which I was able to use online - surprisingly - and received the required discount on my flight. However I have still not received the two Giveaway Vouchers I am…
Purchase on Card Prior to 0% Transfer?
Hello Can i apply for a BT credit card, get accepted etc. Then before making transfer make a large purchase on my original card? I have noticed that when applying they ask for details of card you are transfering from... if this purchase isn't on the card yet will this have any effect, will it give me option in the…
Paid Barclaycard, but WRONG 16 Digit number was used! (Via an online transfer) HELP
A bill payment was set up on the Santander online bank account, to pay off a barclaycard paymenet. sandander require this info from your barclaycard Sortcode Account number 16 Digit number, The problem is, this 16 digit number entered on santander has just been found to be 'slightly' incorrect, so the payment has been sent…
Applied for Cap1 CC and got a Lumas
Well how did that happen, I applied for Cap1 balance transfer card, but got a Lumas card, operated by Cap1 but not actually Cap1. Is this even legal.... Completely confused.... :cool:
unfair credit score
I have just gone through a very painfull divorce and have just recently applied for credit but have been turned down- it turns out that my ex-wife canceled a direct debit on out joint account prior to moving to her new account,this was done without my consent so it can only have been for malicious purposes,there was always…
Capital One mis-informed me of my credit limit?
Could anyone give me a bit of advice/if you've seen anything like this happen before? I applied for a Capital One Classic VISA credit card because I am only 18 with very little credit history (It was my only option, really) and I was surprised to see they accepted me with, what I read as a £1,500 credit limit. Today, I…
Beware NatWest Balance Transfer fee interest sting
Just to let members know that if you do a balance transfer to a NatWest credit card then not only do you pay a balance transfer fee, you will then be charged interest on that fee too! Having already made money from you, they want to squeeze out that last extra drop of money in any way they can! No wonder banks have a bad…
Seeking card for euro spending, though never had a credit card before and unemployed.
Hi there all, I've had a browse through the travel money guide and seen a few cards that are recommended etc. However, I'm in a slightly different situation to most. 1) I've never ever had a credit card before 2) I'm currently out of work (I quit a few months ago to apply to train to be a teacher) I had saved some money,…
credit card info
hi guys, hope someone can help, ok here goes, i have 2 credit cards 1 virgin,1 barclaycard, missed couple of payments on the barclaycard, which is now at the end of its %deal, so tried to get another % deal,, after few attempts it was defo no, i got married 2 years ago so both these credit cards are in my maiden name, ive…
Cashback on council tax payments
I have a few cashback credit cards (Aqua and Amex Everyday Cashback) and wanted to know if I would get the relevant cashback if I paid my council tax using one of these cards? i.e. would it be a purchase or a cash transfer? Thinking about it, we're paying for services so it should be the same as paying for a gym membership…
Can't get credit due to bank error
Hey, I'm new here so I hope I'm posting in the right place. I've been trying to get some sort of credit for a while now (eother a pay monthly scheme or a credit card) but I've always been unsuccessful. I recently signed up to Noddle, the free Credit Report site and I now know why. I had a bank account that I was switching…
Paying off credit cards in full - should I cancel or keep them?
In the next few weeks I shall finally be selling a house that has been empty for over a year, and be able to pay back some of my credit cards in full - hooray. Should I cancel the cards once I have paid them off? I really don't want the temptation of using them again, so that was my intention. I also have 4 current…
what is my income for a credit card on bennafits
hi,please could someone tell me if i was going to make a application for a credit card at my bank to start to improve my score,for when i go back to work in a few months,because i would like to, after working for a few months apply for a small mortgage ,so im planning ahead,i have good credit and when i apply , im not sure…
cancelling payments
:money:I have been a bit of a tart with my car insurance renewal which cover starts again next week. I currently have a multi car policy with Admiral so I tried Direct Line and the came in £400 cheaper. I paid Direct Line today on my credit card Next step, was to phone Admiral and cancel before the renewal comes into…
Natwest - Approved then declined!
Hi, I'm wondering if anybody could shed some light on my situation please? On the 4th of Jan I applied for a Natwest World MasterCard and was approved over the phone and given a credit limit. I was told I'd receive the credit agreement by email to sign electronically which I did the following day, I immediately received an…
Anti money laundering searches by Gambling websites
Hi, I have checked my credit report on the Noddle website recently and noticed that there are a few anti money laundering searches carried out by a few gambling websites I signed up for recently (to take advantage of free bet offers). I was wondering if this harm your credit score of if I applied for credit I could be…
Jet2 credit charge
I usually book my holidays and pay the deposit with my credit card then pay the balance with my debit card. However because I've just booked for a holiday only 7 weeks in advance I had to pay the full amount. Jet2 wanted £20 credit card charge!!!!! I ended up paying with debit card as there was no charge. This is taking…

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