-
Advice needed please!
I have often used this site to find cheap flights and mobile phone deals but have always skipped the credit card info as I refuse to have one. Unfortunately it means I dont have a clue about them and so apologies if this post seems to be written by some simpleton! Basically... my 67yr old mother has a mastercard. About a…
-
Buying a car on card.
Hi. i am purchasing a car in march. I have 2/3rds of the cost but need to borrow another 5k. I have a few options but i do think i have an excellent credit rating so i should be able to get a 0% card. I have 2 options. the tesco 0% for 16 months The MBNA card 4% for 23 months. I have a MINT card with a limit of 5k…
-
RBS authorising overlimit transactions
Hi all Newby here desperately seeking help! In a bit of a mess with my credit card. I stupidly didnt check my balance before paying the balance of my holiday, I thought it wouldn't be authorised if there wasn't enough credit left on my card. The transaction was processed as was 2 subsequent transactions resuming in my…
-
credit card defaults on credit file
Hi - Newbie to the forum I have 3 defaults on my credit file from credit cards I am now in a better financial position so I can pay off the outstanding amounts. Once I do this will the defaults be removed from my credit file or do they still stay there until the six years is up Thanking you in advance
-
Help me someone
someone help me , i currently have a credit card and the balance is 3,200 at the max limit i currently pay 100 a month off but its 50 interest i got my credit card with my llyods tsb account airmiles but i dont use them ,. i applied for my credit card when when i was recieveing working tax credits /child tax etc into my…
-
Using interest free cc to pay off overdraft...
Hi I currently have a credit card with about £1000 balance with the interest free period up in 6 weeks and a bank overdraft of £2500. I am going to apply for another BT interest free credit card to cover the £1000 but wondered if anyone had any advice or ideas on how I might be able to somehow get the overdraft onto my…
-
simple question re paying off CC
apologies in advance if this comes across as a stupid question but i'm thinking of applying for a sub-prime card in order to try and build my credit file up. i applied around 6 months ago for a clear card through the co-op to do this and was turned down as they felt i was financially overburdened, which is fair enough - i…
-
Limit increased? Stay or nay?
I have a low interest Barclaycard which is paying of my consolidated debt. They have increased my credit limit. Shall I keep it there or ask for it to be decreased back to previous limit? I understand that credit scoring works on obviously total debt but also the percentage of limits? Is this true? Not that it matters as I…
-
Nationwide Select Credit Card
I have been accepted for the Select Credit card, I’mplanning to use it aboard for 10 weeks from March, 1) As this card has 0% purchases for 12 months,does it include oversee spending? 2) I have selected monthly minimum payment viadirect debit, is this enough, is there anything I should do? 3) How do they work out the…
-
Sell house and downsize - bitter pill to swallow
I have just joined this site.....looked at some previous posts regarding sell house and downsize to pay off debts. I'm in a situation where this may be an option but bought our house in July 2007 just before house prices started to drop and now have lost value on the house...possibly worth £55,000 less than in 2007. Like a…
-
Card limit decrease
So, I paid off a lump off my AMEX card earlier in the month as I am travelling for work right now and need to expense things. So I took a look at the account for my Amex tonight and found that they have decreased the limit after the payment but they have not informed me of this. Question is, are they allowed do this…
-
Amazon Cashback Card
I'm looking for a short term cashback/reward card. AMEX, Capital One and Barclaycard are non starters as I have been with them previously in the last 12 months, although I do plan to return to AMEX in July when I will be regarded as a new customer. On first look the Amazon cashback card looks pretty decent. 3% cashback for…
-
Debit Card chargeback for holiday cottage deposit
Hi, apologies if this is in wrong section, as it relates to a debit card, not a credit card, but not sure where else to post. We paid a refundable deposit (£200 for damages etc) for a holiday cottage rental on our debit card. After the holiday, the lettor will not return the deposit or respond to any communication. We…
-
Asda Credit Card: Strong warning
This is a strong note of caution for those taking up the Asda card offer of 0% balance transfers for 12 months, which they feature strongly in their literature. Once you use your card for any other transactions you will incur interest on those transactions unless you pay off the whole balance, including the balance…
-
Balance Transfer and Credit history !
Wondering if doing balance transfer from one card to another card effect your credit file. I am willing to buy few gadgets worth around £600 and thinking about to buy from credit card and do the balance transfer from my other card instead paying the bill from my debit card. Advice please. Sadi
-
Best bank card to have for overseas
Hey I live in bangkok, Im getting charged alot for withdrawing using my HSBC/Nationwide/barcalys debit card what is the best way to withdraw money overseas?
-
How to avoid Contactless cards?
I've just been issued with a 'Contactless' DC by Barclays, but when I requested one which has just a PIN facility, they agreed to cancel the Contactless card and issue one of the older variety. On the other hand, MBNA, from whom I have a CC, are telling me that they do not give customers this choice; they brush aside my…
-
Section 75
Evening, I am after some advise regarding claiming under section 75 on my credit card due to the following circumstances, the question is am i covered? I have been putting a buildings insurance claim through for a replacement wooden floor in my kitchen/ lounge area. This has been going on from the start of December.…
-
Cancelled transactions - harassed by fraud-prevention
I am sick of the frequency with which banks (for me, specifically Nat West and Halifax) decline payments on the grounds of supposed fraud prevention. I have never had my card or details used by anybody else, I have never been involved in any fraudulent activities myself and have quite consistent spending habits. So why…
-
Soft credit check
I am aware that there is a link on this site to do a soft credit check when applying to transfer a credit balance. However, on looking at the main site it seems to say that, to use that function, to click on the relevant card and choose the relevant link. However, when I select the "Nationwide 0% balance transfer" card…
