-
Rattan Furniture
Help! I purchased a Rattan Garden Furniture Set through Ebay back in June 2011. I've gone to cover it up ready for winter and to my horror the whole framework underneath the Rattan is totally rusted through. I have copies of the original advert which states that the framework is aluminium and that the the furniture is…
-
Interest Question
OK, I'm a bit confused by the interest charges on one of my cards. If you clear the balance on your payment date, should you be charged interest? What happens if you used your card the day before your payment date, but the transaction hasn't appeared on your account yet? Or does it vary from card issuer to card issuer?…
-
Automatic credit limit increase - should I say no?
My credit card company (Lloyds TSB) has sent me the usual letter advising that they are going to increase my credit limit at my next statement date. They've provided a slip to fill in and send back if I don't want it increased. I can manage without the increase but it might be worth having in an emergency. My question is,…
-
British Airways American Express CC thoughts?
Hello, I'm interested in signing up to the BA American Express CC to boost my Avios from my daily spending. I was wondering whether people would recommend the card and service? Thanks in advance.
-
Trying to close card account that was taken over by Barclay's.
Hello. I seem to have problem closing down a Barclaycard account. The account in question was previously an Egg credit card. Barclaycard took over from Egg credit card in November 2011. The Egg account was empty at the time of the takeover and my last egg card I got sent in 2010 was never activated. On my credit report…
-
Lloyds Mastercard - getting a US refund
Bit of a horror story. A friend of a friend paid a large amount of money (over £100) 2 days ago to a Canadian company (SparkTrust using Safecard) for computer services. Apart from cancelling the service and requesting a refund from the Company(s) (no service appears to have been provided) would Lloyds Mastercard provide…
-
Halifax Clarity fraudulent transaction
Just logged into Halifax online banking and was surprised to see a balance on my Clarity card, which I haven't used since the end of July. One transaction for approx £200 at Bangkok Bank (approx 10,000 THB, so I assume a cash withdrawal. Called Halifax who confirmed the account had been flagged by fraud and stopped, but I…
-
Barclaycard Application confused (longish post)
Earlier I used Barclaycard's pre-checker, it came up with two cards I could apply for. For the Reward card it said 'very good chance' then on their more basic card the Initial it said Excellent chance. Here are the results from the pre-checker? ]The results of your pre-application check show it’s likely you’re eligible for…
-
Using A Credit Card To Pay A Private Seller?
Good evening all, I'm after some advice. I'm considering using a credit card to fund a purchase of around £1500, however the seller is not a business and I'm not entirely sure they will accept a PayPal payment. I'm new to the world of credit cards so I have a couple of questions. Firstly, I believe there is a large…
-
More Balance Transfer Cards
Hi all, I have recently applied for a 0% balance transfer card in order to shift debt from card to another. I do have a card which is still in its 0% balance terms, but I also have another which has now ended its 0% term, so am starting to pay the interest on that card, so intended to transfer it again in order to avoid…
-
What's the easiest way of spending money on CC?
I am thinking of applying for an AMEX which gives 20,000 Membership Reward points if I spend £2,000 in the first three months. Problem is, I can't really spend that much in that time. Is there any clever way of spending that amount? Of course, I know that I could use PayPal or Western Union to put it on a bank account -…
-
Help please
Hi, I took out a Barclaycard in 2008, with a limit in the region of £2000. I made sure that I remained within this limit, then to discover around a year later that my limit had been reduced to £1,200. Since then, I have been continuously paying off this debt, and included within this is a £12 monthly charge for being over…
-
MBNA everyday card application outcome !
Unfortunately we’re unable to give you an immediate decision on your application, but we will be in touch with you in the next 7-10 business days. Should i consider as unsuccessful ? any one applied lately and got approved after the same message ? Many thanks Sadi
-
Overdraft £4250 looking for best way to clear
I'm currently paying around £60 per month on this balance and its not reducing. If I get a credit card and do a money transfer could I pay this £60 per month to clear the credit card balance? If so what's the best deal. Also when the deal runs out the 0% can I transfer it to new credit card ?at 0%? Any help appreciated and…
-
Post Office credit card: downloadable statements?
Does anyone know if the Post Office Credit card offers the option to download statements as .pdf's ? Thanks Sunil
-
Got these cards... what should I apply for?
Hi all, I've spent a long time trying to clear up my credit cards, I used them for a long time BT'ing to a new card and then all of a sudden I started getting rejected (even though I always paid), my Experian score dropped to 869 and over the past 18 months I've been working hard to reduce and clear debts, use existing BT…
-
Got these cards... what should I apply for?
Hi all, I've spent a long time trying to clear up my credit cards, I used them for a long time BT'ing to a new card and then all of a sudden I started getting rejected (even though I always paid), my Experian score dropped to 869 and over the past 18 months I've been working hard to reduce and clear debts, use existing BT…
-
Current 0% interest ends soon (November)
Hello, My current 0% interest ends soon, in November. I have seen the excellent deals available at the moment and am interested in a low fee deal. I know you can get longer periods (28 months etc), but am thinking that another 15 months would be ideal for us and it'll be a lower fee. As my current deal with the Halifax…
-
buying car on Amex (supplementary?)
My wife needs a car for work. We found a dealer who after haggling a bit agreed to take my Amex gold charge card for a low fee. I am guessing I would need to ring Amex before attempting the purchase, anyone tried anything like this before? As I am the main cardholder is it better if I become the owner of the car while my…
-
Credit Card Company stopped me using card - can they still increase interest rate?
I have been stopped from using a few credit cards for a number of years - can they continue increasing the interest rates I have to pay?
