Credit cards

Discussion List

• Basic Credit Card Question

  I have just bought a house and after all the stamp duty etc. we hardly have any money left for furniture. I was just wondering if I got a credit card with 0% on purchases for 12 months etc. Could I make my purchases, pay them off within 12 months and it wouldnt cost me anything extra? All I would pay is the original cost…

• balance transfer to current account???

  Hi, I bank with barclays and also recently accepted for a barclaycard. Is it possible to balance transfer to you current account a certain amount? If it is possible, what account/card number do you use? just your debit card number? any advice appreciated, thanks in advance x

• Ryan Air credit card is a con

  The Ryan Air credit card promises free flights but you pay for the taxes and other charges. So that's fine you may think and looking online at the flight prices gives you an indication of these costs which seems reasonable...BUT NO... Ryan Air give you a special voucher number and then you call a special costly number…

• Reporting Card Fraud????

  Who should you report Debit or Credit Card Fraud to? Your card issuer? The local Police? What if the Police don't want to know? (The Official Answer is in Italics below but read on). Recently in the forum there has been cases of Debit and Credit Card Fraud victims being left in the lurch bytheir card issuers. Card issuers…

• Is this worth getting a credit card for?

  I moved into a my first rented place a couple of months ago and am still struggling to afford everything I need in terms of furnishings! (I had to move out with little notice due to very bad family problems, so didn't have the time to save much for the move) - as a result, I still need curtains, a sofa and a washing…

• Tesco credit card increase

  Hi, does anyone know when Tesco Bank credit card offers the first increase in credit limit, or does it only depend on individual circumstances? I ticked the box for automatic increases on my account and don't want to personally apply for an increase, but just wondered if anyone has a card with them and knows when the first…

• scammed by Barclays? ?!

  I applied for a bank loan with Barclays just under a year ago for 2500, was declined over the phone so the girl suggested applying for a "basic" credit card. I was not told anything about the credit card over the phone other than being advised to use it to build up my credit rating. I was never given anything to sign…

• Never thought it would happen to me...help!

  I never thought I'd be doing this, but i have nowhere else to turn so here's my story! I'm 28 and work for one of the biggest names in global media (I'm not showing off, merely demonstrating that ANYBoDY can get themselves into a debt nightmare!) My monthly take home is just under 1600 after tax. Outgoings as follows:…

• Barclaycard BT question?

  Hi I was accepted for a platinum barclaycard with 27 months 0% balance transfer. On my application I initially transferred £250 to my vanquis card (already being processed), but if I was to put another balance onto my vanquis, can I do another transfer to same card??? I have 60 days to transfer what I want onto the 0%. I…

• Are Nationwide pulling a swift one?

  My sister has asked me to find out about this on here as the numbers on her statement aren't stacking up... She was using her credit card to build her credit rating & she had the direct debit set up to take payment in full. So she'd spend on her card, the direct debit would be due, she'd keep on spending, the balance would…

• Amex Charge Cards

  If you have a Amex Chargecard you can find out your limit by calling amex and asking them to do a dummy transaction. I called them and they said the maximum transaction that is approved is £2k So basically limit is £2,000 :cool:

• Next card balance transfer

  Hi I'm looking to transfer my next account balance onto a 0% credit card but have been told I can't because the next card doesn't have a 16 digit card number does anyone know how this can be done if at all please? My balance is only £240 but I'm sick of paying the interest.

• Aqua Credit Card - Urrgggh

  I applied for a credit card with Aqua in April 2013, informed accepted and submitted the signed credit agreement along with certified bank statements (1 month old) and certified copy of driving licence with ID card. Received a request for ID again, so resent recorded delivery, couple of weeks passed and received another…

• first credit card for 18 year old

  My very sensible just turned 18 year old has asked me to help him sort out a credit card so that he can start to build up a good credit rating. He is 1 year into a paid 4 year apprenticeship, so does have an income, although it is low. Does anyone have any reccommendations as to which card would be best to apply for that…

• Should I pay off my cards?

  I purchased furniture, flooring etc. for the house a few months back, on 15 month interest free credit cards - still got about 11 months to pay back full amount and not incur interest. Anyway, I have just inherited enough money to pay them off. It would give peace of mind but part of me thinks it would be silly as I can…

• Airport transfer customers allege bank card fraud

  Customers have taken to internet forums to complain about airport transfer companies Resorthoppa and A2B after bank cards they used to book travel arrangements were allegedly misused. More here http://www.travelmole.com/news_feature.php?c=setreg&region=2&m_id=s~T_~Abd~A&w_id=9281&news_id=2008126

• Barclaycard does not honour its own credit limit.

  EDIT: I have the answers that I was looking for (below) - thanks. I recently started to use my Barclaycard Gold card for on-line shopping. I thought it would be prudent to set the credit limit on the to £50 to afford myself a bit of protection as I've assigned this card to my Amazon Kindle account (it needs a valid form of…

• Late Credit Card Payment

  Hi, I accidentally forgot to pay my credit card. I made the payment 10 days after it was due. I read somewhere that if you make a payment within 30 days after the due date it will not appear as a late payment on your credit report - is that the case? How much does a late payment affect mortgage applications? I am in the…

• Halifax card fraud - am I liable? Panicking!

  Hi everyone - I recently applied for a Halifax Clarity credit card and was approved. Got confirmation from them on 22 August. But never recieved any PIN number (which comes first) by post or the card itself. thinking banks sometimes take ages to get things out I wasn't unduly concerned but called today to see if all OK.…

• AMEX setup Direct Debit???

  I have just received an AMEX platinum everyday cashback card. It says on their site that I can set up a DD by downloading a form from the site or by calling them to send me the form. Maybe I am a little blind but I cannot find this form anywhere on the site. Does anyone know where it is?