Credit cards

Archives for November 2013

Halifax AllInOne BT partial refund - anyone else not received this
Halifax All-in-one offers 15 months 0% on BTs at 0.8% BT via a 3% fee being charged and then 2.2% of the fee being refunded within 30 days. Except mine has not been refunded. I will chase and no doubt get it but I wondered whether this 'oversight' might have happened to others and whether Halifax might make a 'profit' out…
Pay off Hire Purchase with credit card.
Hi everyone, Looking for a bit of advice. I am moving to America in January and im arranging to hand my car back to Ford (currently on ford options scheme). Unfortunately as I haven't had the car long and didn't know at the time I would be moving to the USA, I am in negative equity so owe money to hand the car back. I am…
Guaranteed Halifax All in One- Can I Ask for Reward Clarity Instead?
Just curious to see if anyone else has been in a similar situation, where they have been guaranteed a card via online banking but wanted a different one. When I went in branch before to change my pin they did mention this offer (I already had seen it in my online banking but it had disappeared in the interim) and when I…
interest on credit card
hi im sure im over thinking this and worring for nothing but what happen when the 0% finishes on your credit card and you still have some balance on the card ? do you start paying interest from the date that the offer finishes or as you didnt clear the balance do they then back date the interest you would of paid over that…
DD - minimum payment
Hi all, My bank & CC provider (same bank) is confusing me with the minimum payment DD. Previously, even if I have made a manual payment during the month, my bank has taken the minimum payment by DD as advised on my statement for the amount and on the date the statement advises. This month, I put a large purchase on my card…
Credit Card statements not sent
I was wondering if anyone has any thoughts on this. For an extended period Halifax did not send me any credit card statements, though I continued to pay. I've read a lot recently about companies not being able to charge interest under a CCA regulated agreement if they're not sending statements. Do you think in this case I…
Choosing a credit limit
A friend is looking at trying to improve his credit score - he has never had a credit card before, has no other outstanding credit but will soon be applying for a contract mobile phone for which a credit check is carried out. He has found a suitable card provider and is in the process of filling in an application online,…
Vanquis didn't take payment,now they have passed me on to a debt collector.
I received a phonecall from vanquis saying that my balance is overdue and I must make a payment. I made an arrangement to pay what they wanted on a day that we were both happy with. They confirmed the details of my card and account that would be used to pay the amount. They never took the payment even though I definitely…
Check balance on cancelled Visa Debit card?
Hi, Strange question, but can I check my Santander Visa Debit card balance even though it has been cancelled and a new card is being sent out to me? The reason it was cancelled was because there was potential fraud, later not, but a crap company, anyway I only have around £15 on this card, and a payment may come out in…
Rejected for Bcard Initial
Apparently even though it's now easier than ever to receive a bcard initial I was rejected! Since they didn't have student as an occupation I said I was unemployed. I assume this is why I was rejected. Can anyone give me some advice on how I can inprove my chances for being accepted? (I'm on electoral roll, landline, have…
Money Transfer Cards
I have foolishly taken out 2 payday loans. (wonga & QQ) I would like to take out a money transfer card, to pay these off and pay the debt off through the card. Ive looked at the cards recommended on the main site. I've applied for 2 of them and have been turned down. Im 25, homeowner, full time job, 20k annum pay. Does…
Capital One Classic Complete
Hi all, I'm looking at getting the Capital One Classic Complete Credit Card (0% Interest untill May 2014) Fortunately i'm not in HUGE debt, however I owe a friend £400 and i'm due to pay this back next week - This will leave me with £16 in my Halifax Bank account for the whole month ( after all my DD are taken, Until next…
New Card or stay where i am?
Hello, I've posted this is another thread in a different area but i think this maybe the correct area. Two questions... I'm currently 24 looking buy a home with my partner in 6 months’ time. I have banked with First Direct since Aug of this year, they have now offered me one of their "gold" credit cards. I currently have a…
Santander direct debit change
Need a little advice please - I've got a 123 credit card that I've been using for about two years. I have always paid it off in full with no problems but this month my fence came down, my roof started leaking in the utility room and my motorcycle needed work. Plus, chrimbo innit and my wife is spending like a trooper. I've…
My first credit card - advice?
I have had a maestro debit card with Yorkshire Bank for a few years now but I'm finding more and more online stores do not accept it (or paypal, my usual goto alternative) So... It's time I get a Visa or Mastercard. I don't intend to ever go into debt so that aspect isn't important, I obviously want to avoid charges and…
New Barclays contactless card - old pin does not work
I was recently sent a new Barclays contactless debit card, although my current card does not expire until June 2014. It can be used by just swiping, no pin needed, for amounts under £20. However it is a different card number to my existing cards and I was advised to change all my automated payments which used the existing…
Credit Card Interest
Hi, I have a question about Credit Card Interest - apologies if this has been asked before. I recently paid for a holiday on my credit card. I knew there was a bit more on there than the holiday, but paid the majority of it off before the payment date. A few weeks later I bought a new car and paid £6k for that by credit…
Adding new Barclaycard to existing mybarclaycard login.
I have existing barclaycards that I service online through mybarclaycard. I have just been accepted for and have online access to a new Barclaycard but this is via new and separate mybarclaycard login details. I already had a Barclaycard when they also took over the Egg cards and those automatically appeared under the same…
Aqua gone mad
Back in Sept after being declined a Barclaycard Initial I checked my file saw nothing obvious untoward and decided to apply for the Aqua card. I received the card and have been paying in full since (granted only 2 months and the 3rd is due now) however since this I've had several emails from aqua which states; "We are…
Claiming section 75 for cancelled flights/cruise
Claiming section 75 for cancelled flights/cruise. Several months ago, my wife booked 4 flights to the USA with Air France and also paid a deposit to Royal Caribbean for 2 cabins on a cruise, Sadly, my wife passed away at the end September and under the circumstances it was necessary to cancel our arrangements. We have been…

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