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Unused Vanquis Card - lower the limit or just close it?
Hi all, a bit of advice wouldn't go amiss... A fair while ago now I started building a fresh credit history with a Vanquis card. When I got accepted for a more mainstream card, nearly a year ago, I all but stopped using it. I now have, in relation to my salary, roughly 1/3 of that in "available credit", although I'm only…
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Offer to pay off my debt
Hi all, sorry I know there must be a thread about this but I can't find it. Any advice or links would be appreciated, thanks all :) I've been in debt for a while now but had been left alone because of severe depression and a few years ago a suicide attempt. I've got myself together again, back in work, but have now…
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Balance Transfer Virgin/Mbna
Hi Is it possible to transfer from Virgin to an MBNA card as MBNA is i noticed MBNA being mentioned on statement as the lender. i want to avoid the 4% fee for super balance transfers Thanks :D
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Would a balance transfer end a promotion on the old card?
I have a Nationwide card which was 0% on purchases for 18 months, due to end in 4 months. I was planning to transfer the balance at the end of the 0% period but with the offers around now I think I may miss out if I wait. Specifically I was thinking of using the Tesco no fee balance transfer offer. Would doing a balance…
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Littlewoods closing balance Wrong?
Hi I thought i go though my littlewoods account as this month fee is lower than normal and notice loads of problems my main one is the closing balance on my statement 36 to 37. I know a error been made on the 16.18 payment on 37 not been token of BNPL i contact about that awaiting reply. My big big problem i can not add up…
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Cash withrawal abroad, hows best ?
Whats the best way to withdraw money from a UK account whilst in one of the Eurpean Countries ? Someone said she drew 200 each day at a cash point and thinks it 2.5% commision. The Bank told her to go inside and draw more at cheaper commision ? I want to draw money from my Barclays account, about 1000 - 2000 as I did not…
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Vanquis
Hi, When purchasing something through Paypal using their credit card option. Do Vanquis treat that as a normal transaction or a cash one where the charges are more?.
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Foreign Income in Credit Card Application
Hi I wondered if I can report my foreign income on my credit card application? Thanks.
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additional cards
iv had a barclay card for alot of years and transfered my balance 2 yrs ago to a sainsburys card now that 0% is due to end and i need to transfer again , can i take out another barclay card so i get a good transfer fee or do i have to use the one i already have that has had nothing on it for 2 yrs?? thanks
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Can someone help me understand what will happen when my 0% runs out?
Hi guys, I currently have a £4000 virgin CC which 0% runs down at the end of the year. Let's say by end of the year I get this down to £3700 and the 16.8% interest kicks in will I still get to pay 1% of the balance after the interest has been added? ie option a) a) £3700 + £51.8 = £3751.80 so I'd pay £37.51 or will I have…
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First credit card
Hi everyone. I'm thinking now is a good time for me to get my first credit card but I do not have a clue where to start. I'm 26, on a permanent contract in work but have never had credit before. Really unsure where to start here... Currently with Halifax bank so I will check what the are offering. Is it best to go through…
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Old Credit Card debt on Credit File
Hi, Checking my Noddle credit file it's got listed that I owe Co-op around £3,000 for an old credit card. I moved to Ireland for a year back in 2007 and it looks like during that year I lost track of that particular credit card and they lost track of me. I'm on a debt management plan at the moment and want to make sure…
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Different rates
I've got a sainsburys card that has a balance at 2.9% that ends in a month and an amount that's 3.9% for life, is there any way to pay off the amount on the lower rate before it ends?
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Section 75 on fitted bedroom furniture
I bought fitted wardrobes from Starplan. They were to be fit yesterday. They measured up incorrectly and now they want me to have a plug socket moved about 18 inches. They have also rescheduled my installation to August 21st (their next available date). I do not accept either of these. They measured up, they designed, they…
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shout credit card
DO not get this card-I signed up for this and told them to take a monthly amount from my bank on the last day of every month. They have took £50 from my bank on 19th june- after 4 phone calls, to people that are robots and couldnt help, i had to give up,-I TOLD them money must come out at the end of the month, and was…
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Have I left it too late tipi get a credit card for holiday?
I think I should get a Halifax Clarity card or Post Office card to use on holiday (I have the money saved up to pay off the holiday spends) but I leave in 3 weeks. Have I left it too late?
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Settlement with no defaults.
Some advice please. Can you offer a Credit Card company a settlement if you have no defaults on the card. The story is that my partner has MBNA £11,300 and Barclaycard £6,700 owed, both of these accounts regularly go over the agreed limit and have over limit fees for doing so however each card always gets at least its…
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When should I pay off my CC?
I have the funds and my payment is due early July should I pay now or on the day? Does it make a difference?
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MBNA Card Advice Please. 2 new cards received
I have had one for a few years think it was something else and changed to MBNA. I received two cards in the post the other day, one American Express card and another card with a different account number on to my existing card. I rang them up and after 20 mins or so someone answered but I did'nt really get the answers I…
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Halifax Clarity Card still best for abroad?
Hi I'm going away again this year to Spain. The last 2 years we've been away (not to Spain), we've used a Thomas Cook Cash Passport. They worked fine. I have a Barclaycard and Virgin CC at the moment, but these have fees etc. I've checked the MSE and still seems to say the Halifax Clarity CC is best - is this so from…
