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Rejected due to no credit history - what next?
I applied for my 1st credit card (the santander 123 credit card) as I just opened a 123 current account. Unfortunately, I was rejected - my credit score is excellent, but I suspect due to not having any loads, credit cards, or credit facilities of any kind (apart from a mobile phone contract), I was rejected. I need to…
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Can't afford repayments
so, I dont know what to do. we have numerous credit cards, all maxed out and although our budget indicates we can afford the repayments, it appears when it comes to it that we can't. We have been in this situation before some 8 years ago - change of bank accounts, letters to the various banks etc, but now we find that my…
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Anyone Else Unable to Log into M&S Internet Banking?
I can access their banking home page, but when I click on the log in link it all goes pear shaped. Tried in multiple browsers all no worky. Edit: Just been to their Twitter ( where else does one go for banking info nowadays!) It is down. If anyone is interested.
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0% on purchases - Help!!
I'm looking to make a one off purchase of £3000. I've been looking at the Tesco 0% for 18 month card but it says purchases are 0% for a maximum of 51 days in the Ts&Cs. What does this mean? I was hoping to make the payment and pay the 3k off in 18 months with monthly direct debits of about £170 - which I can happily…
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Credit "Building" cards
As my credit history is "poor" I had a look on the Experian credit matches for the credit cards to pay off a couple of "little" debts etc Has anyone has experience of the following cards that they are offering me? Aquis Credit Card Barclaycard Initial Credit Card Capital One Classic Argos Credit Card Vanquis Visa Any Help…
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lookinf for ccard for me
Hi looking for card for me. In uk from september 2011 Last 1,8 years working With credit about 500gbp Monthly income about 1200. Account in Barclays from oct 2011 Barclaycard not accepted because not enough time stay in same adress. Need for extra cash Any ideas?
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secured credit card
Does anyone know of any uk companies who do uk secured credit cards - the only one i have seen is capital one.
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What balance can you transfer?
This may be a daft question but hey ho. I have a personal loan with Halifax and I'm making no headway paying it off even repaying at a rate of £75 a month. I'm not making a dent in it. I'd like to be able to get shot of it asap and will be making some bigger chunk payments but I also wondered, is it possible to transfer a…
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credit card refunds
Bought some clothes using M & S credit card (MasterCard) items had to be returned but I mistakenly used a different credit card although it was also a MasterCard. The refund seems to have gone through and I got the usual refund receipt, but I thought refunds had to be made on the original card Any one done similar to this…
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MBNA Proof of ID
When I send of my documents to them do I need to send the originals or can I just send copies?? They have asked for the below. 1. licence/passport 2. bank/cc/utility
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Halifax clarity V fairFX cards
Have I got it right,. Halifax clarity charges 1 GBP per 100 GBP per withdrawal abroad for cash. FairFX charges e1.50 per withdrawal abroad for cash. No other fees involved and if you purchase a FairFX card over 500 GBP no fees to them either. So which is best for travelling 6 months around Europe! (Or an alternative if you…
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Recommendations for USD cash card please
Hi all - I'm looking for recommendations for a US cash card. My principle activity will be online shopping, and ideally I'd like to fund it from my USD PayPal balance. Any tips? Thanks! Chris
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Easiest way to manage CC?
As some of you may know, I took our a CC a while ago and it came out of the 0% rate just recently. Since then I have been using my card and paying it back monthly (not really used a lot) However, I recently started to use it more, rather than my Debit card, and want to manage my payments etc. Without looking at my…
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Possible to haggle 0% PA?
After a tough couple of years, I'm finally in a position to start paying off my CC (HSBC). I know the advice is to scour and do a balance transfer to a 0% but with HSBC already offering a card with 0% PA for 23 months, is it possible to haggle the existing card to the equivalent PA? I've always heard that customer…
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Interest on balance transfer fee
Hi, Just noticed small interest charges on my 0% balance transfer fee with Nat West. If you don't pay the transfer fee upfront you get charged 3mths interest on it! I asked the lady where this was written in the paperwork. "Oh it's not written anywhere, you will have been told when you called about the offer". Has anybody…
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PO Credit Card
Hi, I just made an application online for PO Credit Card. At the end of the application it said:- Thank you for choosing Post Office Credit Card. What to expect next: You'll receive your card in the next 7 working days. Your PIN will be sent out seperately. You'll receive your online User ID and 6 Digit Security Number…
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Paying HMRC on a Credit Card ( purchase or cash payment ?)
I have a £1650 debt with HMRC that I have been paying off at £75 per month and would like to pay it off with a credit card that has 15 months interest free on purchases and balance transfers , however I have read some of the forums and around the net and need to find out if I pay it off now: Will it be classed as a…
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Barclaycard Early Repayments
Hi, I have a Barclaycard which I do not use very often, however my better half and myself have booked a weekend away in London so I paid for the train tickets and hotel using my Barclaycard. Ive just made a faster payment to clear the whole balance off. The statement has not been issued yet, normally falls around 22nd of…
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Amex Available Credit Query
Hi, I successfully applied for and received my Amex Platinum Cashback card on Friday last week. By yesterday evening I had spent £1778.67 on the account leaving available credit of £221.33. My limit is £2k. I am logged into my Amex account now and it's telling me my available limit is £1776.00. My credit limit is still…
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Strange Aqua Decision
I have the Aqua 3% Cashback card. The one that ends on the 22nd January unless you filled out the forms for the replacement, which I've not. So that means that for me, it ends in just over 24 hours. I've just received a letter from Aqua saying they have increased my credit limit from £500 to £650. A little late, I think!
