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Barclaycard Balance Transfer Offer - Query
Hi all, I'm hoping you can lend me the benefit of your collective wisdom to help with a question I have about balance transfer offers, specifically with Barclaycard. I have a Barclaycard Platinum with approx. £2100 balance. I also have a HSBC Mastercard with zero balance and a £1200 limit. I've just had a letter through…
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Vanquis Credit Card
Hi everyone Just applied for a Vanquis credit card to improve my credit rating, at the end of the application it said someone will be in contact within the next 3 days to complete my application does this mean I have been accepted for the card? Many thanks
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Interest Charges
Hi, I need some advice about barclaycard platinum interest charges on purchases. I completed a balance transfer with barclaycard and interest charged on that is fixed at 5%. I have been spending still each month on the card, and have been paying off all of my purchases each month + £300 to clear the debt off. My question…
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Barclaycard.... since 2004
I was determined to cancel my Barclaycard today but failed They gave me £10 credit for being on the phone, changed it to the cash back card. Then gave me 12 months interest free on purchases Prob won't use it but thought it might be helpful for anyone wanting a purchase deal without applying for a new card This is a…
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Best card abroad
Sorry I do not understand the advice on the main site after reading it several times. I basically want a card that I can use to spend abroad, and that I won't have to pay off immediately to avoid charges. Is there such a card? thanks
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BT to Halifax from Vanquis or aqua
Does anyone know if halifax allow balance transfers from aqua or vanquis to their 27 month 0% card? I've read in a couple of older threads that there was a problem a while ago but can't find anything recent on this. And what about a catalogue (premier man). Would I have to pay that off with my card first? Thanks in advance.
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Can you have more than one Barclays Card
I already have barclaycard initial which i am using from 4 years and paying in full and today i got a application form in a letter saying apply for a creditcard.... (ONE card... Two great reason to get it). 19.9% APR Wondering if you can have 2 cards at the same time. Cheers
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Aqua credit card accepted ? Or decline ?
Hey yesterday I applied online for this aqua card, I entered all my details and then a credit agreement popped up asking me to electronically sign it said if we can offer you a card the apr will be 49.9% (I pay in full so 49.9% isn't an issue) after I signed it electronically it gave another screen saying "we are unable to…
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Cap one Late Payment. Admistrative fault. Effect Credit Rating?
Hi, Probably been answered may times before. Effectively I signed up for the 5% cashback credit card in mid july. The first payment was due on Thursday 12 Sept. However today I noticed that no payment was applied to my account and noticed a late payment on the credit card statement. I then checked my bank account and saw…
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Payment Protection Query
Two queries really: 1) From what I understand, credit card companies don't really like you making overpayments that create a positive balance but can't really do much about it. Am I right or can they send the money back to the original funding source? If it is dependant on issuer, FYI, I have cards with Capital One,…
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Repaying a Co=op Career Development Loan with a 0% balance transfer?
Is it possible to repay a Co-op career development loan with a 0% credit card balance transfer?
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Vanquis Repayment Option Plan
I opened applied for a Vanquis credit card a few months ago, it was accepted and I got a phone call to confirm my details. On the phone the advisor was very pushy trying to get my to use the repayment option plan, I kept saying no thank you and eventually told him I really didnt need it because I had more savings than the…
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Transfer advice please
I'll ask this here, although it may be better suited to the stoozing site. I require around £2000 My virgin credit card is 12 months 0% balance transfer at 3.5% fee or cash transfer at 4%. SO far so good. Initially I thought I was going to use the cash transfer into my bank account to pay the bill (It's a college fee, I…
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Amazon Credit Card
Hi My sisters partner sadly died suddenly in June at the age of 38. They held a joint mortgage together, which has now been transferred into my sisters name. All of my brother in laws credit cards have been closed, with the exception of his MBNA Card (Amazon). MBNA are claiming that the mortgage they held was 'Tenants in…
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Capital One - no cashback
I took out one of the new(?) Capital One Aspire World cards for their cashback and lack of exchange rate loading. Is anyone else finding that, after three months, no cashback has yet been credited to the account? A couple of messages have merely produced the response, "Oops, we're working on it" but I just wondered how…
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Vanquis card blocked unknown payment
Dear Colleagues, Recently I was unable to login into my vanquis account. When I called them they told me that there was an attempt to make a payment on my card by someone. They gave me the last 4 digit on the card from which payment was attempted and also asked me to provide the front and back copy of the card along with…
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Asda santander credit card
I had a asda credit card which was run by Santander but was told late last year that adsa was stopping this card and collaboration with Santander and that the card could not be used for purchases after 16/01/13, so I cut up card and got another. I've just received a statement from Santander saying that the aa has taken…
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Balance transfer returned
Hi, I applied for a balance transfer on my Barclaycard. It all went through ok. Then noticed my balance was zero. It shows the transfer has been returned. No notification and now missed the payment on the other card. Barclaycard have not replied to my question. Very annoyed that it was returned with no reason and no…
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Reapplying for credit cards after IVA
just wondering if I should avoid credit card companies that I dealt with for an IVA a few years back. I am all clear and debt free but looking to make a £1000ish purchase. I have savings to pay it but with 18 months interest free credit it seems like the best plan. and it should boost my credit rating as well. However the…
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What does balance transfer involve?
My bank, Lloyds, has written to me asking me to transfer my Capital One balance (£2,800) with a 12 months interest free offer and a charge of transfer charge of 3 per cent. I currently pay an average of £120 pm off the card. Roughly what sort of difference would this make to my repayments? I owe £2,900 on my Lloyds card.…
