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Does refund count towards paying off in full?
Tesco Clubcard credit card. Bought something on last statement, returned it an had it refunded on this one. I always pay off in full to avoid interest. Can the amount refunded count towards my full payment? I.e. balance is X, refund was Y. Do I have to pay only Z=X - Y to avoid interest?
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barclaycard
hi, i was wondering if someone could give me some advice about my barclaycard, ive had my card for about 5-6 years and ive maxed it out :( while im paying the minimum payment the bill is not going down quite the opposite its going up!! ive rung barclaycard to ask for there help to see if they could cap the intrerest the…
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Going Travelling: What Card Would You Take?
So me and my girlfriend are going travelling in October, to India then through SE Asia. We need a credit card. The question is, which one do we get? I thought about putting our flights, purchases etc. on it to try and get some rewards, and use it exclusively when getting money out abroad, paying for things. I've heard that…
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SANTANDER - probably the worst customer service in the world
The other day my husband applied for the Santander 123 Credit Card. He also applied for a 'spouse card' for me. Soon after, I received a PIN notification from Santander and today I received a Credit Card to our home address. My husband still hadn't received his PIN or Credit Card. My husband when attempting to get my card…
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Hheeellllpppp!!!!credit report check
A loan was taken in my name and my bank advised me to obtain a credit report. I've tried to obtain a credit report from the main credit checking agencies experian, equifax, call credit and checkfile after paying to view this report and my card being charged for some of them, i still could view my full report, as i have to…
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Capital one credit card
Hello I have done a soft credit search to see if I can get one of these cards but it says I have to contact my credit people to get the results I have been on experian and cannot find the information Can any one help
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Changing Lloyds Credit Card
Is it possible to change from one card to another? I'd like to move from my advance mastercard to a airmiles card. Anyone done this?
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Credit score: very poor. Is this a good way to get it up?
The last 12 months have been pretty abysmal and I haven't kept good care of my finances. Here is where I stand: 547 credit score (experian) 6 credit cards £3728 debt 6 missed/late payments over the last 12 months (none recently but this is pretty major from what I've read). Say if I pay off all debt this week, cancel 5…
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Should the bank be charging interest if they've withdrawn the credit facility?
I was previously on a payment plan with a credit card, and paying no interest. They said that once I had cleared the arrears on the card, I would be able to use the card as normal, and the payment plan would be removed. I cleared the arrears and they have since started charging interest. My statement now has no mention of…
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Help on Cash Plus Prepaid Card
Hi all, I'm considering getting this card to improve my credit rating, by using their credit builder option. What I would like to know is, if I make purchases through the card will this also help my credit score or is it purely only from the credit builder that will help my credit score? Also if I keep this card for say 3…
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Credit Score
Hi all, I have recently checked my credit report which is now good. As my credit card is at 18% interest I applied for a credit card at halifax. They have advertised an offer of 0% for 25 months on balance transfers. Therefore as I thought my credit score was good I would stand a good chance of this offer. But Halifax…
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Barclaycard Online Application
I just applied for a Barclaycard Platinum with 14 Months 0% on purchases and transfers, when I submitted the application I was asked to create an online PIN and password, which I did, but when I submitted it I got this: Has anyone had this before? I won't be impressed if I have to submit another application as they've…
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Credit Card Limit Reduction
Is it possible to reduce a limit at anytime? I have a Vanquis card of £500 limit and want to bring the limit down to £250 in the next 14 days.
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proving income on a application
hi how would i put down on a credit card application my income as this is the situation.... i have a job earning 900 a month after tax and insurance so when asking for annual thats 10,800 but i also earn 23k on the side a yr but not on the book so i can only prove via wage slips that i get £10,800 a year but really i get…
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best bet for 0% for retired person? and potential credit limits?
Hello, Looking for best cc for my mum.. details below My Mum and Dads endowment matures next month and has a shortfall of around £3600. They do have some savings but most of them are tied up in accounts with redemption charges ie if they withdraw they loose the interest accrued (6%) plus some fees for withdrawing. Ive…
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Credit card for wedding purchases?
Hi, I'm getting married in August 2013 and have budgeted for £5000 worth of expenses and costs for my side of the wedding, (parents and OH can cover the rest). I earn £1100 a month and have no savings. I am contemplating a loan or a 0% Tesco credit card for 16months and would like to know which is best. I know I can earn…
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Cash Advance charge on charity donation?
Hi all, just wondering if anyone can confirm if this is correct (I'm sure it will be but just in case...) On Friday I was in Tesco and there were 2 people inside selling scratchcard type tickets for the charity Dream It, Believe It, Achieve It. Raising money for sports equipment to help athletes with disabilities. I…
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Credit reports and different surname spellings
Hi, I have a question about CRA reports and how important it is to always spell your name the same. This question came to mind after reading another post in which people use their middle name rather than their full name and that lead to problems when getting credit. Basically I´m from Spain so I have two surnames, like…
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How many credit cards?
I read somewhere that it is not good to keep credit cards that you no longer use, as the more cards you have leaves you open to fraud. I have just got a new credit card, which brings my total up to three. Is three too many to be safe? Should I get rid of at least one of them?
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Getting a refund onto a paid-off credit card
Hi all, I've been using a credit card to pay for small purchases, paying off the balance in full...just to build a credit history. My question is: I am due a refund for some tickets for a cancelled event, which will go back onto my credit card. My balance is currently so low that once I get this refund, I'll be in…
