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I have CCJ against company but the debt hasn't been paid
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Emergency Cash in Europe without PIN
Whilst on holiday recently in Tenerife, entirely through a fault of my own, I found myself unable to use an ATM because my credit card PIN was locked. The C.C. was MasterCard issued. I phoned my CC company who basically told me there was absolutely nothing, in any shape or form, they could do to help me. Whilst I had (…
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Other Low Credit Credit Card Companies, Than Vanquis & Capital One
Currently building my credit rating, Been rejected for a few cards but been accepted by capital one (Platinum Card) And Vanquis, Anyone know of similar providers that I can apply for?... Also is it more in your favour applying online or over phone?.. Any helpful advice appreciated.
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Advice on what my minimum payment will be
Say my vanquis credit card has a 2.84% interest rate on purchases, and I spent £200 on it, How much will my minimum payment to pay each month be?...
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How quick do Nationwide send out a replacement card?
The card can only be at home as it doesn't get taken out - it's only been used for internet transactions. I just can't find it. I'll keep looking but out of interest, how long does it take for Nationwide to provide you with a replacement? Going away in just over a week. I'm guessing this is too short a notice & it'll be…
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Costco and AmEx
My Costco membership is coming up for remewal and they have drawn to my attention a dual offer of membership linked to AmEx. Anyone give a heads up on the deal, is it good bad or indifferent? I believe it costs the same as the anual renewal. https://www.americanexpress.com/uk/content/costco-credit-card/
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Rejected despite very high credit rating.
I applied for the Halifax 0% balance transfer card to transfer approx. £3500 from my Barclay card. I am trying to clear my debts as fast as possible while I am in a better financial position, and the card is now my only debt other than my BTL mortgage. I checked my credit rating which is 999 so assumed getting a card would…
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S.O.S (asap)- Balance Transfers
Hi there! I wonder if the MSE community can help :) Apologies but I only have a couple of hours for answers on this as a deal I'll mention ends at the close of business today (the bank is 24/7) x Ok: I have 2 credit cards and these are as follows: Card A - Tesco Current balance approx £450 (currently already under 0% until…
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Sainsburys credit card
I recently applied for a credit card, I did it on line and at the end of the application, they said my application was being processed and would be in touch. I had a letter from them yesterday saying that some info was missing, it's either, post code, bank details or phone number. They said they will reconsider the…
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0% balance transfer
Hi, Can anyone help me understand what happens If I want to transfer my balance on a credit card (7150) to another 0% credit card. Is there a penalty for the swap from the existing credit card? And What happens when the 0% runs out?
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Abbey wont remove default
Here goes first time using this... I am in desperate need of some advice and help. I have taken this matter to the Ombudsman however it seems like their not able to do anything either. Can any one help I have copied the letter to ombudsman below and if you wish to see their reply i can also share that. In 2007 I took out a…
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Help with Super Balance Transfer
Ok, it's been a good 3-4 years since I did some active stoozing, and have decided to get into it, whatever the odds. Have made a good start with getting approved for a 6500 pound credit card from Santander with an interest-free BT offer for 17 months. Now the big question is - since I don't have any credit card…
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My credit card is killing me
I stupidly ran up a lot on my credit card, they kept upping the limit without my asking (thanks for that then!) I'm sure that I had asked them in the past not to increase it anyway at the time I had a great job, however now my circumstances are so different and I struggle to pay the minimum payment of about £250 a month.…
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HELP!! 'credit card to credit card to bank'
Hi all, Can someone please advise if this is legal/illegal, beginning to panic!! I have an overdraft with the bank which charges £1 per day for every day I spend in it, unfortunately things have been getting tighter and I spend most of the month in this - paying the best part of £30 a month for a £1500 overdraft. To get…
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buying new laptop and need advice
Hi I'm new here and need some help, I have a part time job and a low income, I'm currently studding and need to get a new apple laptop and want some advice on what credit card to use. I want to get a card that has 0% on new purchases for at least 12 months and longer if possible. I know that I would be able to pay the…
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Confused about charges for gaming transactions
It appears I'll be charged 2.99% fee for any online gambling transaction (I want to place a £10 bet) should I use my barclaycard. I'm trying to use my debit card but it's not working for some reason. It also says the transaction will be charged as a cash transaction, interest would be payable. However, I've no idea what…
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Got a new Card, now dont need it, what to do?
Hi. We recently needed some emergency funding to buy a new car at 2 days notice so my initial calculations showed it better to put £4.5k on an existing credit card and them transfer it to a balance transfer card, so I applied for one with the Halifax which gave me a massive limit on the 27 month 0% transfer deal. As it…
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Advice
Hi all. Quick question... I have never had a credit card as I can't stand them but find myself in a position this month where I may require one to keep me going as I have recently started a new job and unfortunately need to wait 6 weeks before I receive payment. I only plan to use the card for day to day spending and hope…
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Abroad for 20 years - how long to get onto ratings radar?
Apart from six months last year, I've been out of the UK for nearly twenty years and will return in couple of months. I'm intending to apply for mortgage 3 or 4 months after that. I guess I'm totally off the credit ratings radar? I want to get onto the electoral register immediately. I've had hsbc account kept open all…
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Trying AmEx PRGC Again
I have a feeling the answer here will be a straight "NO", but I'm going to ask for an opinion anyway! I applied for the American Express Preferred Rewards Gold card 3 months ago and was unsuccessful in my application. I put my occupation down as a student on the application. But because I'm also working full-time on a paid…
