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Credit Card Charges
Looking a bit of advice first time I have posted so apologies if I'm posting in wrong part of forum. I have a Virgin Credit Card where I transferred a balance interest free until December this year. I pay every month the minimum payment between 25th and 27th of each month as I get paid on 25th. For some reason my December…
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Balance transfer barclaycard & tesco standoff
Hi I applied for a new credit card with tesco on the 16th of November and arranged a balance transfer of 4500 from my barclaycard. Subsequent to this I realised my balance was only £1382. These funds have been cleared from my barclaycard, sent to tesco, and then returned back to barclaycard. I've been waiting for over 70…
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Problems with Writing Company in India
I hope someone would be able to help me here - In precis format - I contracted with a company in India to assist me with writing my masters dissertation. The contract was not for them to write it in its entirety but to assist - I sent them details of journals and books etc. I had already written my proposal and had it…
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What to use on holiday?!!
Hey So I'm heading to the states on holiday in a couple of months but also gonna be stopping in Canada for a few days to visit friends. I've got a bit of a dilemma on how to take spending money. I have cash saved up....so do I used a prepaid card which I can load up or do I get a credit card to use when I'm over. Bit…
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Very easy question (I think)
I opened an account with Barclaycard about 15 months ago. I took advantage of their 0% interest on balance transfers for 18 months for £2000 (my credit limit). Around 3 months ago they raised my credit limit to £4000. I immediately made another balance transfer, this time with 12 months interest free. Now I am coming to…
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Barclaycard OMG!!
In today's post I had a letter from Barclaycard saying that my APR is going up from 21.9% to 25.9% which isn't the end of the world, but any increase is a bad thing... No missed or late payments, and well within my limit. A few weeks ago I read Martin's Credit Card Shuffle guide, specifically -…
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Asda Money Internet Banking Details.
QWERTY Deleted Me
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Total available credit when applying for new card
I heard somewhere that it's good to have lots of available credit on other accounts when you apply for a new card, coz you get scored on the percentage of total credit you've spent. Anyone know if that's really true? Need to know if I should close a paid off overdraft now, or if it might help me get a 0% card to use for a…
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refund onto JL Partnership card
I returned an item I bought online yesterday and it was refunded to my card in one of their stores. I then bought something else which is showing up on my pending items but the refund isn't yet. Does it take longer to show refunds than purchases?
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natwest credit card - fixed amount by D/D
I have a 0%-purchases credit card from natwest, so I've been letting the balance build up. I did have a D/D set up to pay the min, but then heard that paying only the min can impact credit score, so I changed it to be a fixed amount (£50, comfortably above the minimum of around £35), which was one of the 3 options…
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Credit card abroad problems
I was abroad, used my Halifax Clarity Credit card to pay for something. Unfortunately on the receipt where I had to sign, it showed the conversion rate. So i declined paying via Credit card (where they just scanned my card without entering a pin number nor using a signiture). I then paid via cash. Unfortunately it appeared…
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Credit Card Vs Loan to Clear overdraft and CC
Hi there, I have been a nightmare, and am ashamed of myself tbh. But I need to deal with this head on before it spirals out of control. I currently have an overdraft of £3500 in which I am constantly in the red, and also a credit card with about the same amount on. The account fee on the OD is obscene and for every £90 I…
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Should I apply elsewhere too?
Hi I've just had a 3K BT from BCard to Sainsburys Life of Balance agreed. This leaves 7 K still on Bcard with exoribitant interest.Was a bit surprised I was approved with sainsburys tbh. Would it be worth applying for another Life of Balance card with another provider? And if so when should I apply?Just trying to get our…
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I have paid my credit card off twice
I have a HSBC current account and a credit card. The card is fairly new and I have been paying it off manually as I control it fairly well and like to manage what I keep on there as debt. Well recently I paid about £800 off it. I just logged on and saw that full repayment must have been turned on as about £1000 has been…
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0% on purchases - private sellers
Hello all, I'm thinking of buying a car for which im intending to pay half cash and half credit card. Im looking to take advantage of one of these 0% on purchases credit cards. Ive never had a credit card so i dont know much about them. Here are my questions: Can I spend £9000 on a purchase with one of these cards? If not,…
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Exploiting Amex Sign-up Bonus
Ok so mabey exploiting is a bit strong - making the best of sounds nicer. Anyway, Amex cards tend to have fairly generous sign up bonuses such at 20k Avios for the BA card, 20k MR points for the Gold, SPG etc etc... I've recently started getting a bit more serious about collecting BA miles/ avios and e way I look at it,…
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Money Laundering Checks - Why?
I recently checked my Equifax credit report and was surprised to see that three "search reason" references stated: "Identity Check to comply with Anti Money Laundering Regulations". Each of these three references had an associated "search reason": "Additional Address" (presumably another check). The company was listed as:…
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Postman had stolen my CC statement...
Hello I had a rather out of the blue letter from Royal Mail saying they had found some mail of mine that had been 'misplaced'. This has turned out to be a CC statement, giving the long card numbers, from June last year. I hadn't realised it was missing as this is when scatty disorganised me moved from the parental home…
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Credit builder pre paid cards
Hi I have recently checked my credit file and there are two defaults wich I intend to negotiate with the lender about, defaults are approx 2 yrs old. However I want t get a card to help rebuild my credit rating, I have looked at one which is **Cashplus pre-paid Gold Mastercard** does anyone have any knowledge of this card…
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natwest credit card
will i be able to get a natwest credit card with a default on my file. been with natwest for 7 years never gone overdrawn, default comes of next month, have vanquis credit card and want to do a balance transfer
