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Can you pre load a credit card
Hi I'm looking at getting a bit of extra cash for my hols. I've got a nationwide classic credit card i use for spending abroad. I've also got a santandar credit card that's offering 0% for 12 month on balance transfers. All though i have no debt on the nationwide card i was going to balance transfer £1000 from my…
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Credit Card Over Limit Query
Hello, Yesterday I inadvertantly went slightly over my credit limit. I had lost my debit card for a few days last month, which happened to be a busy one for purchases, so I ended up spending more on my credit card than I would tend to, although remaining under limit. I pay my credit debts of in full each month but last…
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Closed account - Still owe interest?
Hi I need some advice. I closed my Capital One account as I needed it in times of need but I balance transferred it and closed the account as the interest rate was laughable. I closed my account, destroyed the card forgetting that I would obviously owe a small amount of interest. The trouble is, I want to pay off this bill…
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Barclaycard Pre Check
Hi, thinking of completing a Pre-check for a Barclaycard, had a look at the screen and it seems a very quick process. Do they cover everything in the Pre-check or do they then ask additional questions if you go through for a full application? The Pre-check seems to focus on income rather than outgoing? Thank you in advance…
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Which card to choose/ use..
Hi , complete novice when it comes to finance here. I'd like some advice concerning which credit card to choose. I 'm going on holiday in August & want to use a credit card to pay for this . I intend on paying it off straight after the holiday. I dont intend to use it again any time soon , if ever.What one should i apply…
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can a company credit card affect my credit score?
As per title really, been given a company credit card in my name with the name of the company i work for on there as well. The bill will come to my house and i give it to the accounts dept. If they fail to pay on time (which is very possible judging by their ability to pay expenses) can it have a negative affect on me?…
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Barclaycard charging me indemnity claim??
I got my Barclaycard statement today and there are 3 indemnity claim transactions on it that they have added to my balance. 17 June - £50.00, 17 June - £68.25 and 18 June - £50.16. I have rung them and they say check with my bank but the bank know nothing about it. Could it be to do with my balance transfer that I did to…
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Luma limit increases
Anyone got any ideas on how to prompt a limit increase with Luma? I've had the card with a £200 limit for 6 months now, and always paid off in full every month. My kids want the new Xbox when it comes out in a few months, and I'd like to be able to pre-order using a credit card so that they get it on launch date, and we…
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barclaycard
If declined for one of the good barclaycard balance transfer deals, can they approve you for their initial card without making a new credit search? Or can you not even apply for the initial card for another 6 months?
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Tracing old credit card & Loan accounts
I have had many credit cards & bank loans over the last 25 years whilst self employed. I recently got a credit check on line but the details only go back 6 years. How do i find previous details of who I had the cards/accounts with?
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Section 75 proving purchase problem
Hi, I told my credit card company that I wanted to make a claim under section 75. But as when I initially complained they keep saying that I haven't proved my case. This seems to be a fob off. When you have been scammed or they have not sent you a contract (which they always ask for). How can you prove it seeing that a…
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How much to use on 0% card?
I have a 0% card and have just used it to pay for a large item. I'm now using 75% of the available credit on the card. Is this too high? My utilisation over all my cards is around 30%, which is either 0% borrowing or paid off each month. The card in question is Nationwide and my savings with them are greater than the CC…
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Payment allocation w.r.t balance txfrs
Hello everyone, Looking for some advice on whether my bank has done wrong or not. On my bank statement is says that the high APR portions of my credit card balance are paid off first. I had a promotional balance transfer rate on my card, of £2000, up to September 2013. About a month ago the total balance was arounf £8000,…
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Closure of old Lloyds TSB Credit Card?
I once had a Lloyds TSB Credit card during my student / graduate days, back when credit was easy. I ran into difficulties after graduation, was living off the card, ended up on a debt repayment plan. Paid it off in the last year, better financial situation these days. However, on my noddle credit report, the card is…
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Don't give up on Capital One Secured Mastercard
I've had my Secured Card for around 8 months, Received a letter from them today telling me that they are increasing my limit from £200 to £400 next month. I presume my £200 deposit shall be on it's way back to me in form of a cheque, We'll wait and see. If you have one of these cards, don't give up! keep paying back in…
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M&S Credit Card
I have just returned from 3 months abroad and M&S today declined my card on the basis I owed £5, which I tried to pay online on Saturday but they say this hasn't cleared. They now say I can't use the card for 3 days till an online payment has cleared so I have told them to close the card! I am really annoyed as I have…
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Can I reclaim the money from my credit card company?
Hi, I need some advice please. Last January 2012 I paid for a course for my daugher to do semi permanent make up, the course cost £4000 and was paid for on my credit card in two installments of £2000, this had to bee paid before she attended the course. At the time she mentioned that she was not happy with the…
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Holiday booked with credit cards.. twice?
First off, apologies if this is in the wrong place as I wasn't sure where to put it to get the best responses. If there's a better place for it please move it if possible? Last night we were trying to book a holiday with Thomson online, when we came to payment there was an error message saying that the payment had been…
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PPI Help/Question
Hello all, I had a credit card with MBNA for some time. It looks like I will be getting back an amount (not yet disclosed) of PPI, mainly on the basis I have a pre-existing illness that stops me from being covered on most forms of insurance - even when I have gone to take life/sickness/critical illness cover I have had to…
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topping up pre paid card with credit card.
Hi all, I recently topped up my orange pre paid master card with my bank visa debit card, all went well and no fees for doing so, I was wondering if I was to top up the pre paid card with my actual credit card would the transaction be recognised as a Cash transaction or a goods transaction?? would I suffer huge penalty the…
