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Barclaycard Balance Transfer
I know the general rule is dont spend money on a card which has a balance transfer on it but just wondered if it would make any difference to a Barclaycard Simplicity which has a 7.9% Apr on both balance transfers and purchases? As far as i am aware there is no fee to complete a balance transfer. Would this mean you could…
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mint credit card
Hi All new here, have a mint credit card with about 4500 on it, but cap quest are looking after it, trying to get it settled as its in default , can capquest inforce it, or do they have to show ownership, hate dealing with DCA would rather deal direct with the bank, On a plus side I have 1800 of ppi money to go back into…
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Old Credit Cards PPI Check
I once had a Mint and an Egg card, probably 10 years ago. Can I check PPI without any details? I no longer have cards nor did I keep accounts, as this was so longer ago. Game over?
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Am I likely to be approved for a new card?
Hello everybody- I'm new here and after some advice. I have just returned from a years travelling- before I went abroad I had a FT job and credit card, which I took travelling with me, more as a just in case, but I ended up using it and now have to pay it off. When I took it out it had a 0% interest period which has now…
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Credit card fraud advice
Basically one of our credit cards was randomly blocked yesterday and today, checked our statement and there was a £339 o2 transaction on it. neither me or the lass have an o2 phone. she went out for tea with work last week and said the waiter took the card out of her view when he was processing her payment as he claimed…
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halifax clarity
Anyone have any experience of this? i have just applied and said it was being processed and i would receive a decision in 4 working days. it gave me an estimated credit limit of £600, asked for direct debit details and asked me to register for internet banking with a password. is this likely to be an accept? thanks for any…
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Vanquis statement question
How many days after the statement is produced do you have to pay? Is it like a catalogue - 21 days? Thanks
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CC between husband/wife
Hi wondered if anyone knows this: if the wife has a Halifax cc in her name would her husband likely be accepted for a different Halifax cc for 0% transfers? (Obviously not to transfer from the other Halifax cc)
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Halifax Clarity v travel money card
Hi all I am going to America in may and plan to take 750 US dollars in cash and my Halifax Clarity as ive budgeted 2.5k spending and don't want to take that much cash. My Clarity has over a 9k limit at there lowest rate and I keep the balance at NIL as I always pay it off My plan is to use the clarity for paying for all…
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Asda card aplication declined with good credit score
Hi, I was wondering if anyone can tell me why my friend was declined for an Asda card when her credit score is 993? We can't work out why this would happen. Thanks Claire
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Paying chunks of credit card but min payment not coming down
Hi, i'm trying to get my credit card paid off and am paying quite big chunks off it like this month i've paid over a grand off but the minimum payment hasn't reduced that much maybe only by about £15? i have made the payments in sums of varying amounts on different dates when i've worked out how much i cud throw at the…
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Company credit card - help!
Good afternoon, I am going to be starting a new job (with a huge company) which will require me to have a company credit card.I am a current employee. I have a very poor credit rating as defined by Experian, this is down to mistakes I have made earlier in life. I am paying off all debts and should be clear by this year…
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Two Barclaycards - Different interest rates
Hello. I have two Barclaycards, although one of them used to be an Egg Card until taken over by Barclaycard. My original card has a better interest rate than the card that was originally with Egg. Is there any harm, or are there any pitfalls, in writing to Customer Services and asking if they would reduce the interest rate…
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Credit rating advice from missed payment on store card?
Hi, I know this sounds ridiculous but 2 years ago I got a Topshop card just to get 25% discount, paid it off and cut it up. Then in November I spent £70 on topshop online and clicked pay, thinking i'd already linked my HSBC card to the account because it said pay with card, not realizing that it was the store card linked…
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Credit card for car - advice
This is just an idea so don't shoot me just yet. I am looking a new car, and want to borrow £10,000 over 4 years. Best loans out there are 5.1% assuming you can get them. Rather than take out a loan, I was looking into putting the purchase on a 0% credit card, setting up a direct debit every month. Best one is for 17…
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Bl**dy Euifax
All I wanted was a copy of my credit report, so I ordered it only to find out this morning they've charged me £8.99!!!!!:mad: I KNOW I only authorised £2 for the report which I STILL have not received! I'm soooo annoyed, currently I'm on hold............
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Post Office credit card
Hi all, I know you are all most likely tired of all my millions of card applications, but I was reading on the best card for travel thread and I noticed the Halifax Clarity and Post Office cards. I got turned down for Halifax and have just applied for the Post Office. Just wondering if anyone knows how restrictive they are…
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No idea what letter is asking for...
Hello all, my apologies, I've no idea where to post this. I have a creditor after me for a £299 loan. I stopped repaying all my loans over 7 years ago and went into agreements with all companies at the time. I thought I was nearing the end of paying off the smaller balances, so I have no idea what this is for and the…
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Barclaycard Balance Transfer Issue
I've come across an issue with a Barclaycard Balance Transfer. This may be me being stupid, and not reading the small print, so please bear with me. I have a Balance Transfer of approx £2k which is on 0% interest until later this year. I carried out the transfer on 15th Nov 2012, it appeared on my Dec 12 statement. I then…
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Should I cancel this credit card
Hi all I have a Natwest credit card with a £500 credit limit - got it last year to pay car insurance (interest free of course) and now it's fully paid off. Never missed a payment and always paid more than minimum so it's boosted my credit rating. However now the new customer deal has ran out so I don't need it. I do…
