-
Question about debit card transaction?
Hi, I'm sorry if this is the wrong place to post but can't find anywhere else, but quick question. Once a debit card payment has left an account, does it then immediately show up on the recipients account? So, if I check my account say on Thursday morning at 9am, and my payment has debited that day, the recipient will get…
-
Credit card processing fee
I booked a holiday for this Easter in September last year and paid a deposit, we paid the full balance for the holiday in Jan, because both transactions were through credit card (I don't like using debit cards over Internet transactions) I paid the processing fees on both transactions totalling c.£18. A few days before our…
-
Virgin CC retentions/deals.....
:wave: Afternoon all, my 0% is coming to an end but DH has a Virgin card with a 8k limit empty. We are going to try and see if they will offer him a 0% BT deal to transfer my balance over. Has anyone else done this and think it's likely? Also does anyone have a tel number for the retentions dept? I did an online chat with…
-
Credit Card Limit
I have an MBNA card with a ridiculous £21,000 limit, I have never used even half of that. Although I have an excellent credit rating, according to Experian, one negative is the amount of unused credit I have. If I asked MBNA to reduce my limit would that have an adverse effect on my credit rating? i.e would other lenders…
-
ASDA Credit card is on-line service down
I've just registered to manage my Asda CC on line. Had all the activation details, but when I try to log in I get a 'problem with website' message. Telephone number I have 0871 704 3362 is constantly engaged, so can't make contact. Anyone know if there is a problem? I'm only trying to advise them I haven't received a PIN…
-
New to credit.Want to pay for a holiday.Have cash saved up
Hello, thanks for taking the time to have a look. So I'm new to credit, i have a pay monthly phone and student loans but that is the extent of my credit history. I am currently a student and I've saved up enough money to purchase a holiday. Probably going to buy on icelolly.com and I would like the protection of a credit…
-
Closing a vanquis account - HOW?!
I had a vanquis account, cleared the balance and wrote to them (registered) asking to close the account Jan 2012. I continued to get monthly statements coming through showing a credit limit and a £0.14 credit. I've called them numerous times, the card shows as closed on my credit file but yet the statements keep coming.…
-
Another Amex Offer (Not 4Square)
Follow the link for exact details but effectively extra MR points, Cashback or Avios (whichever is applicable to your card) when spending in Nike, HoF, Gap or thetrainline.com before 19 Apr. http://www.georgethetravelmonkey.com/american_express_additional_rewards/ They ran one of these over christmas and I just received my…
-
Finding my swift code
Please can someone here help. My brother is transferring me £25 from Spain to my santander acct in uk. He is asking for my swift code but I have no idea how to find this. I bank with santander Epsom uk. Could someone kindly let me know what my swift code would be . Tia
-
Best cahsback credit card
Hi there, I'm about to enter into the minefield of cashback credit cards. Any tips/advice. I see there seems to be a limit? Is there any calculator anywhere I could look at potential gains? Shopping £3000 a year Petrol £720 a year
-
Balance transfer to current account
Is it possible to balance transfer to a current account? So far all I've read is that you can balance transfer to another existing credit card. I have no debt or anything, I'm looking to a buy a car privately and so I can't use a credit card directly.
-
Balance transfer for existing customer-question
Virgin are offering me a 0% balance transfer until March 2014 (with 3.5% fee) if I do so by the 30th April. I have a Barclaycard that I pay off in full each month. I am looking to make a big purchase (up to £2k) and ideally do want to spread the cost out a bit. Therefore I presume that this offer means I can make that…
-
NatWest Credit Card Fraud on Account
Hello to all the wonderful people at MoneySavingExpert.com, I just wanted to ask a quick question on fraud on my wifes credit card which has been going on for over 2 month's. The fraud was with a gambling site and to cut a long story short NatWest Fraud team reversed all the transactions on her account which was great.…
-
"Totally Money" searches on credit file
I logged in tonight to check my credit file on Noddle and noticed two "administration review" credit searches from "Comparison Site (Hdd) Media Ingenuity (Totally Money)" I remember this company because shortly after I got my Vanquis card back early last year, they started spamming my email with rubbish. I assume (hope!)…
-
0% on purchases question
I've been looking to buy a new TV and would ideally like to spread the payments over a few months. I've noticed loads of offers for 6 months-12 months plus of 0% interest on purchases for new cardholders on different cards. Does this basically mean I can make a purchase of say £1,500, then pay that off however I like…
-
should i pay off credit card before bill arrives
I have a credit card that i use for everyday things, then pay it off when the bill arrives to try build my credit rating up as i was refused a credit card due to late payments last year. I have a standing order to pay the minimum payment each month, i don't want to set it up to pay the full balance in case the account is…
-
Can credit card companies verify income and/or employment?
Hi, Just wanted to ask can credit card companies, or banks, verify income and/or employment status stated on applications, if so, how? Thanks
-
What happens to credit cards when the person passes away??
My mother inlaw has sadly passed away and we have come across 3 credit cards in her sole name (not joint with my father inlaw), what happens with them?, does the debts die with u? or does father in law have to pay them off, she has no assets, no will, no estate at all other than her personal belongings, there is no way…
-
Halifax Clarity
I have just recieved my 1st statement and have tried to pay online through my bank (Coop), but it is showing as payment sent and issued straight back into my bank account. Has anybody had any problems paying this way?
-
Help!!
Hi! I want to pay off a couple of my credit cards in full. I haven't had any missed or late payments but I was hoping I might get a bit of a discount for paying them off!! Has anyone tried this? ... More importantly, did you get any money off?!! Thanks in advance!!:)
