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Credit cards
Archives for March 2013
Discussion List
Credit Cards - is it best to close old cards for future applications
Hi all, I've just signed up to the forums so hello all. Just a quick questions really - I have a couple of credit cards and a decent credit history. However am i best closing cards without a balance so that in future when I go and try and get other credit for say a balance transfer card it looks like I don't have a lot of…
Saga or Halifax Clarity?
I want a new credit card specifically for travel use. I am a little confused by the choice of: Saga and the Halifax Clarity. Both are 0% spending regardless, and I would always repay in full, but: Saga - £2 (2%) withdrawal fee but no interest (if paid off, obviously) as against Halifax Clarity - £0 withdrawal fee, but…
Claiming on a credit card
Hi My daughter has paid to go on a hen weekend at Butlins but the wedding had been called off. Butlins will not refund the money so would she be able to claim this back from the credit card company?
Vanquis Gold - What's the point?
I've just been "upgraded" to Vanquis Gold. A question for other Vanquis gold customers... what's the point? I like my unobtrusive non-gold card and as far as I can see the "upgrade" just gives me another phone number to contact them. Since I've never ever phoned them, I don't need this. Apparently my APR and credit limit…
Credit card positive balance
I recently paid off my credit card bill, however following the return of a couple of items bought last month which have been recently refunded, my credit card will have a positive balance of £50 on it in a couple of days. I was wondering of the best way of getting this money back (if that makes sense?)... if I ask them to…
Noob Question, Probably ridiculous??
Hi, quick question, i am sorry if this question seems really silly but i am new to credit cards and only recently obtained my first 1. I have a 500 credit limit and aim to clear the balance in full each month, i am due to receive my first statement on the 15th of March and have until the 11th of April to pay. My question…
Opus (ex-Citi) card - will it ever get better?
Hi guys, Just wondering - does anyone else still have this Opus card? It is the ex Citicard when Opus took over, which for me was in December 2010. Since then I have seen the rate steadily get worse and worse - not that it was ever great, but it's gone from 27.9% to 34.4% to 39.8% and now to 45.3%. Also, after my last long…
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