-
Adding card holder impact on credit rating?
I currently have a Santander 123 credit card, which I try to put all of the household fuel on, to make the most of the 3% cashback. I usually give my other half the card when he's about to fill up, as it wouldn't be worth having two cards and pay two monthly fees, but it's not always that convenient, if we both need fuel…
-
Santander Balance Transfer...
I have about £1000 on a Halifax credit card and want to transfer it onto a 0% deal. I've just received some junk mail from Santander (where I have a half-forgotten account) offering me 0% for 17 months (3% balance transfer fee which I guess would work out at £30). I was just wondering whether anyone had any advice. While…
-
Do you get any vouchers with an Argos credit card?
I applied for and got an Argos credit card last year, as they offered you £10 off when you spent £100 in Argos, and this was pretty much the only reason I got it. I haven't closed the account, thinking that they might send me other offers in future, but not received anything so far. Saying that, I haven't spent on the card…
-
Halifax Clarity - Do you need to pay into Halifax Reward Account?
Hi there, I have a Halifax Reward Account and Halifax Clarity Credit Card. The Halifax Clarity pays £5 a month, if I spend £300 a month on it. However, you need a Halifax Reward Account to get the card, which I have, but I was intending to move my current account to First Direct. Do you have to pay in to the Halifax Reward…
-
Old credit card
Hi All, In the next few months I will be looking to apply for a mortgage so I've decided to give me credit report the once over. It is showing an old card that was canceled long ago as still active and "up to date" despite the fact it was canceled over a year ago. Is it worth my time to contact Barclaycard and get it…
-
short-term loan/credit needed
First post, I'll try to explain my situation as clearly as possible. Basically I have been living abroad for a few years, paying income tax abroad and all my day to day banking done through a foreign bank. Stupidly I pretty much just ignored my UK account for the past 12 months (before that I would intermittently top it up…
-
Barclaycard missed payment
Hello, could anyone please tell me whether they think a single missed payment (my only ever) on a barclaycard would reflect on your credit report and if so, how long would it normally take for this to reflect? Thanks
-
Will Credit Card limit be dropped or Card cancelled?
Hello, Could anyone help? My situation is the following. I have unfortunately managed to get myself into quite a bit of debt. I have a £4k barclaycard that is maxed out, a £9k overdraft that is also maxed out and I recently applied for a credit card from one of the other main providers. I was given a card with an £8k…
-
Stoozing and when to apply for new credit card
Hi I have been stoozing for just over a year and have just come to the end of a 0% promotional rate and paid off the outstanding balance. So, my current position is I have 1 "in use" credit card which was a 0% balance transfer card with a credit limit of around £9,000 and has a current balance of around £4,500 and I pay…
-
bad credit rating high interest cards
Hi were off on holiday soon and were going to hire a car but the driver doesnt have a credit card to secure with the rental company when we get there, the car hire and ins has been paid for they just need a card to swipe incase of any damage etc, the card will only be used for this then cut up after wards, i was just…
-
bad credit which high interest cards?
Hi, were going on holiday soon and will be hiring a car, unfortunately the driver needs a credit card for the car hirer to take a payment of 400 which will be refundable on the return of the car but he has a very poor credit rating so was wondering if he would be accepted for one of the very high interest rate cards then…
-
Creation 0% balance transfer offer
I have a creation card which I took out solely for the 0% balance transfer offer. It will be paid off 2 weeks from now and my intention was to close the account once this final payment had been made. I also have a Barclaycard platinum with approx £3.5k on it which I am paying off at 0%. The 0% offer ends in October and my…
-
LloydsTSB's credit card pending transactions
hi all, quick query. A bit bizarre really. I attempted to purchase something on my CC on Saturday morning. They tried to put the transaction through twice, and the third was void by Lloyds so I didn't go over my credit limit. The transactions didn't go through because they put in the wrong address. I contacted the bank who…
-
Credit card payment date help pls?
Hi, Just wondered if someone could help me please. When I log into my Barclaycard credit card online it says payment is due in 5 days (which is Monday), yet my statement says 'Payment due by 19th' (Tuesday), so if I paid it first thing Tuesday morning by faster payments from my bank account would it still be in time (my…
-
advice - saving on debts
My financial situation: loan £ 90 lLoyds 28 % loan £ 3390 LLoyds 28.90 % LLoyds credit card £ 950 29.9 % old Barclay card £ 0.00 ( cleared) limit £750 overdraft natwest £100 ( 0 %) newly opened Barclay Gold 0% balance transfer card for 12 months nwith limit £2250 How to take the best adventage from my new Barclay card 0 %…
-
few balance transfer from the same card
Can i have help with this example please? Can i transfer £2000 from my LLOYds card to my newly opened 0 percent Barclays credit card? Then once the lloyds credit is cleared, then use that for something, then transfer it to the 0 percent barclays one again? Therefore all my debt is on the new 0 percent Barclays Card.…
-
IVA NO Credit Card
What is the best means of paying for protection if you are in an IVA and do not have a Credit Card. I have Mastercard, that you transfer money to (Utility Warehouse) to get cash back, but do not know if this qualifies
-
Understanding credit card
Hi there, I have recently received my credit card but I seem to be having a bit of trouble understanding the "56 Day interest free period" To make this clear, my credit card statement comes out on the 10th of every month. If I were to buy something for 100 pound on the 11th that would that give me 55 days to pay the…
-
Company charged 2 of my credit cards & refusing to give a refund on one.
Recently bought an item from http://www.buychina.com. Their customer service do not speak english well so there's already a communication barrier. I purchased an item, first card I used was 'rejected' so I tried another card. Turns out the item was 'out of stock' & have since been refunded for it. Just got other my credit…
-
Fraudulent Transaction
Hello, I have an opus card that I cleared the balance on 18 months ago and I haven't used it since but I needed to use it last week and it was rejected. So I decided to log on and have a look at my account, I noticed that there was a transaction for national express in Feb and subsequent late payment charges. I moved house…
