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Vanquis offer of acceptance
This afternoon through the post I have a letter from vanquis bank offering me a CC. It says I can apply online for instance approval or fill in the remaining blanks and post back. I have shot credit at present and struggling heavy on monthly payments, I plan on rebuilding my credit, But worried i'm going to dig myself into…
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HSBC debit card withdrawal from non-HSBC ATM?
I always travel to the HSBC bank in my city for withdrawals, but today I can't get there and I need some money. There's an ATM at the local Tescos, but could I use it? If it worked, how much would they charge me for taking £20 out with my debit card? Sorry if this is in the wrong section, I couldn't find anywhere for debit…
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Virgin cash advance shuffle
Hi there I was wondering if anyone knew why I wouldn't be able to do the following cash advance 'shuffle'? My apologies if this has been discussed recently. I have one or two 0% cash advance balances on my virgin credit card with different end dates for the 0% deal. There is still a fair bit of room on the credit limit so…
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section 75 help please
Getting mucked around at the speed of a blocked toilet by Nationwide over a section 75 consumer credit act claim concerning a kitchen purchase. The amount involved was split between debit and credit cards, unusually the initial (and largest) portion being paid by debit card. I simply have not received what I paid for and…
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Tesco Clubcard - Travel Money
I have recently received a Tesco Clubcard with a long interest free purchase period (12 months+) I am due to go on holiday and noticed an offer they have where by you can buy travel money using your clubcard and it would be treated as a purchase instead of a cash transaction, so in theory it would count towards my interest…
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Capital One Progress
Just closed my Capital One Secured. I have 13 months of on time payments with them and on time payments to all other creditors over the last 12 months. Credit score is 483. Chances of me getting this card? For someone in my position, it is an attractive card - but will I regret closing my secured card? Any success stories?…
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worried about new vanquis card
hi its my first month of my new 500 pounds limit vanquis card, havent had a statement yet but my spending on it has reached £455...what i need to know is if i stop spending now am i ok with that figure allowing for monthly charges?
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Declaring income on credit applications
I'm training to do a new job and, once qualified, I'll be in a position where my base wage is roughly the same as it is now, but overtime can effectively double my income. My colleague already does this job and he earns 20k base, but around 40k with overtime. It's a police station representative position, so each time…
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Balance Transferring a Card Onto Itself
So, I got a letter offering me a 0% super balance transfer for 12 months with a 3% fee on my Natwest card this morning. The card already has a £300 balance on it, plus some available credit, so I BT'd £1000 to my current account and I'm going to use some of that to clear the £300 tomorrow (and the rest to clear my Next…
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Doing a balance transfer over 10 months
Hi all, To build up my credit rating, I have had a capital one card (£1.2k limit) and use it for daily spending instead of my debit card, repaying in full every month. I've just bought a house, and therefore have quite a few bits and pieces to get (white goods etc). I've got a much bigger limit on my post office (£3.2k)…
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2 cards or 1?
I recently applied for an aqua card and was accepted and have recived the card.however in the period i was waiting for the card i was accepted by cap one at a lower rate 34.9 vs 49.9. Is it best to keep both cards open to improve my credit score or close the Aqua 49.9?? Thanks
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Contactless Credit Card from Cap One
I have just received my new Capital One Progress card and it is a contactless one. After all the bad press recently regarding contactless, can you opt out of it and ask for it not to be activated or something. Or is it just a case of having to put up with it and accept it is the way things are going?
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Running out of ready cash
I hope somebody can give me some advice as my finances have suddenly taken a complicated turn after being simple for many years. I have just spent loads getting a new kitchen fitted which cost a bit more than I was hoping. I have now run out of ready cash. I have some cash tied up in bonds but I have been advised that I…
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Safer Puchases with Credit Card even if Prepaid?
Morning everyone, looking to pick some brains please! Financially I'm in a rubbish position but getting better (DFW) slowly and I'm trying to be sensible and make better decisions. I have something coming up and want to run my ideas past you all to see if they make sense or not. The situation, basically a family member is…
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Section 75 Credit Card
I had never heard of this before until a few weeks ago I saw Martin Lewis on a TV program but only caught the last part. So I am about to - 1. Pay a deposit for a self catering holiday in this country. Have dealt with the same company last year and used my Credit Card as I thought it would offer me some protection. (Will…
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Thoughts on this please?
Hi I placed an order with an reputable online retailer. Very big company but I'll not name them for obvious reasons. I completed their checkout process and used Paypal as the payment method. I received the goods and didn't think much more of it. However, they have just written to me to say that I still owe them money. I…
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Which card?
Ok this may look daft after having huge debt issues from the age of 18 to 29, but recently I finally got debt free. We are planning a Florida trip in 2015 and will need a back up credit card incase of medical emergency and for car hire. I won't be accepted for mainstream credit companies, not even worth trying as I had a…
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Cards that Offer Existing Clients New Deals
I could not find an article where there is a list of known Credit Card Companies that regularly offer existing Clients, (Card Holders), new deals. The article "Credit Card Shuffle" does not really list in a way that makes sense, see: moneysavingexpert.com/credit-cards/cut-credit-card-interest For example I have both…
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Vanquis Card Abroad...
Exchange load - 2.99% Spending charge - None Not looking to withdraw cash what so ever, just for use in supermarkets (Spar) in Lanzarote and restaraunts. Not looking to spend much either, £100 at most if that. So is it any good to use ?
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mastercard
Probably a stupid question and I have not seen a thread about this (but could be a bit blind) but I need to card tart a Virgin Money Mastercard...can I tart to other Mastercard/MBNA cards?
