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Barclaycard to Barclays Loan
When I log into Barclaycard I'm presented with an offer to transfer money to my current account and pay 0% for over a year. There's a 3% fee involved in this. That sounds like a very attractive offer as I'd be able to pay off a loan from Barclays and save a huge amount in interest. I am however concerned that Barclays will…
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Advice please....vanquis card declined but money available
Ok so paid my balance off in full via d.debit yesterday so balance is back up to 500. Just paid a bill off on my card online (totalling £120) and went through fine, went to pay my 2nd bill (virgin media) and it says card declined contact issuer or try again. I tried again and it said the same even though there is 378 on…
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Credit Card Paid Off
Hello. Eight months ago I paid off my card through an agency that my bank had collecting on my behalf, the balance was €2000 which as stated is fully clear now. My MasterCard is still active on my online account but states a balance of 0 and credit limit of 0 also I do not have the card anymore. I wondered is there a…
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Vanquis - replacement card
My old card is fading. If I ask for a new card, can I change the design of it? Feel quite ashamed having to pull my blue branded vanquis card out all the time. Need something a bit more discreet.
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using credit / bank cards abroad
I would like to know when paying for anything abroad and you are asked. Would you like to pay in sterling or Euros. Which is more beneficial Thank you
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New to this!
Am new to this and after my first credit card my credit score is fair i really just want a card to buy some things and pay right off. and make my credit better. There or so many and i have no idea what am doing.. any help please
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uk credit card debt
would anyone have any advice.I have a large credit card debt and have moved to another country. My financial situation has changed and now I am finding it hard to pay off the card. I am up to date but only paying minimum on them. At that rate I will never clear the capital amount. Can I avail of the balance transfer e.g.…
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0% balance transfer - loan debt?
Hello Ive been reading up on using credit card as better way to pay off debt but Im unsure of how to move by loan debt to a credit card and get the deals. I see there are a number of credit cards at the moment offering 0% balance transfers for upto 26 months. I currently have £4.5k on a loan which is due to run out in 2…
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0% ending soon but can't quite pay off my card...
Hi, Not quite sure if I should post here or in debt free wannabe but I need some advice please. I purchased a flat last year and spent some time and money (~ £2k) decorating and doing bits and bobs around the flat. I used a 0% on interests credit card through Natwest. I've been paying more than the minimum repayments but…
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Section 75 - do you have to be the primary card holder to claim
To cut a long story short, I need to make a claim under section 75 for a car that I bought however, my husband is the primary card holder & I am an additional card holder. Do I still have the same rights?
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Aquis (Vanquis)
[Deleted.]
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Two Credit Cards - One Bank...
Just a quick question... . I have had a Halifax credit card for years but am going on holiday in the autumn and am thinking about getting the Halifax Clarity credit card. However, I don't want to lose my current credit card (I have a relatively large amount of credit available for emergencies). Is it possible to get two…
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Bizarre conversation with Hallifax...
I've just had the most bizarre conversation with a telesales man at Halifax credit cards. I was in the middle of an online application for a Halifax credit card when I noticed it asked for my consent to be contacted by the Lloyds group. I had no idea that Halifax was now part of the Lloyds group and since I wanted to do a…
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Late Charge for SO payment
Hello, I pay an MBNA card monthly, I did have it on DD with an additional SO to pay a bit extra. When I switched bank to Santander recently (Feb), I changed this to a SO only, paying back more than the minimum so there was no need for a DD at all. The payment date has always been the 1st of every month. This month, the 1st…
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Santander 123: MSE thinks I will get rejected!
Hi all, I am interested in applying for the Santander 123 Cashback Credit Card. As a precautionary, I did the quick credit check offered by this site and it predicted that I have only a 20% chance of success! Can this be right? Admittedly I am quite young - 22, but I earn a high wage. Can someone explain why the checker…
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Contact Email for Tesco Credit Card
Does anyone know of an email address to contact Tesco Credit Card people? All I can find on their website to contact them is 0844 or 0845 telephone numbers for existing customers. They also mention an address to write to but I just want to contact them by email.
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Beneficial Bank lost my original credit card agreement
I took out a credit card in 1995 and asked the Bank to send me a copy of the original agreement. They have confirmed they don't have a copy. The balance is around £4500. Is the full balance payable in these circumstances as I wish to get pay it off and don't know what the correct settlement figure is? Thank you from a…
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Sales of Goods Act 1979 v's Distance Selling Regulations 2000
Dear Sirs, I have recently won a e-bay battle for a refund of a product (USB memory card) purchased. I fully complied with their company's return procedures, which I followed to the 'T'. However, this up hill battle was not easy! Within their pre-sale listing they quote a seven day cooling off period together with a three…
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Amex new pin for closed card
I was surprised to get a letter from Amex with a new PIN for a type of card I've not had with them for about 9 years. Fearing identity theft, I called them and it turns out a glitch has meant their system has been sending out PINs for some closed accounts. Best regards Tim
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0% card confusion
I'm a bit confused how it works. If I transfer a balance and it's 0% for 27 months, after that time is up, if I still owe the balance do they back calculate the 27 months interest at the full APR of 18.9% and add it to the balance? Or is it just at that point that they being to calculate the monthly interest and add it to…
