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paying credit card balance off
Hi i am thinknig of applying for a halifax clairity card as i am planning to travel a bit later in the year what i need to know is as i havent got a halifax account and dont plan on having one how do i pay off the balance can i transfer what i owe from my barclays or natwest accounts to pay off the monthly balance sorry if…
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Credit Card Cancellation Footprint
Hi, I just cancelled a old card that I hadn't used in months as have transferred by balance. Wanted to just 'tidy up' my finances and thought that by cancelling card that if in a couple of years time I wanted to use them again I would be starting again as a new customer so would get a better deal rather than just holding…
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Overpaid wages
In 2010/2011 I worked for Dixons in their call centre. I was there for 10 months and never had a day off sick which was quite unusual there ! I had 2 weeks holiday in the summer and was forced to have "my time" days. These were days that we all had to take , something about summer being quiet periods and rather than cut…
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Aqua Card ??
I applied for an Aqua card They claim they give you an instant yes or no But on mine they said they can't make a decision yet What does this mean for me?
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Advice sought on card payment date
Hi Folks, I thought I'd write and see if anyone can offer any advice (from a 'what are my rights' perspective) with an issue I'm having with my card provider. I've a creation credit card and the payment date falls 2 days before pay day. The issue that I have is that at that time of the month, I don't tend to have the money…
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Help. Credit card debt !
My partner has 4 different credit cards with outstanding debts totalling £15000. What I want to know is will he be better to take out a personal loan and repay the cards, or add an additional loan to our mortgage to pay them off !? Can't bear the continual credit card interest and non sympathetic credit card employees.…
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Did you get the 0% deal you applied for?
Hi! If you've recently applied for a balance transfer, did you get the deal you went for, or did you get a lower number of 0% months, or even recommended to take out a different card with the provider? Please report your experiences here - what was the deal you went for? Which lender was it? And what deal did you end up…
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How soon after i do a balance transfer, can i do another balance transfer?
Hi, not posted here for 5 years, but been reading other posts. I have 2 credit cards and until a year ago, was on 0% deals with both. I missed a payment and lost deals. Fast forward to now; I have same 2 credit cards, and just got offered a 0 % balance transfer by card one, so i transferred the balance off card two to card…
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Stay at home Mum - what income to use to apply for credit card?
I want to get a credit card, mainly to boost my credit rating as I recently got declined to be added onto my partners account, meaning we still can't have a joint account. I am a stay at home Mum, so don't have any wages coming in. However my partner earns a half decent wage which is what would pay for it (and I would just…
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Barclaycard Initial application
I applied for a barclaycard initial (as I am relatively new to the UK so need a credit building card). I completed the pre-assessment which stated that I had an 'excellent' chance of approval for the initial. I completed the application and was asked to electronically sign a credit agreement, set up an online account (i.e…
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intrest calculated per day
OK i'm getting my head round the intrest and would just Like a idiot proof description Standand rate 18.9%apr With a balance after a 0% rate end of 220 What will the monthly intest be as I remember it being a few quid but Others have filled me with doubt that its going to be pounds per day Any Freindly civil advice answers…
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At last! Good deal for existing Barclaycard customers
I'm quite new round these parts, so if I'm committing a ghastly sin by posting this, I'm really sorry! Anyway, I've had a Barclaycard for nearly 20 years; I've not used it in about 8, but hadn't ever got round to cancelling it. Today, I got myself sorted and phoned up to cancel the card...and got passed over to (I'm…
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Balance Transfer Query
Hi, Quick question. We want to transfer a small balance on to our new credit card which has 0% on balance transfers. If we then use the new card for purchases (which doesn't have 0% on purchases unless over £200) , will the balance transfer attract interest? Sorry if this is a silly question, not done it before. Thanks :)
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changing a euro card to a sterling one
hi I have a mbna euro card having lived in Ireland for the last 7 years .I am trying to get the balance or some of it over to a 0% card here but I am having a problem with that. Has anyone got any ideas thanks
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Aqua - Shorter turnaround between statement & payment due
Hello, Just wondering whether I've got unfortunate timing as to when I opened my Aqua account but the turnaround from statement to payment due date is about a week shorter compared to other accounts I have - is this normal? Statement produced 4th of each month for a payment due 21st month. My other accounts would do 4th…
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PayPoint - cash advance
Hi all, probably a silly question, but hopefully someone can help me out: I have an electricity keypad in my house - top up codes can be bought online or via PayPoint at a shop. For some reason I can't use my credit card (only my debit card) to top up online. If I go via the PayPoint route and use my credit card in store,…
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Balance transfer question
I have a question about my MBNA credit card. I transferred £3000 to it at 0% last year that expires in March of this year, just before Christmas I transferred an additional £3000 at 0% again until April 2015. If I make a payment of £3000 now will my payment go against the first £3000 and will I continue to enjoy the 0%…
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I wanted a larger credit limit!
I am new to new 0 % credit cards. I have just been accepted by Santander 18 month 0%. But my credit limit with them is only £2000. I was hoping for up to £5000 for car purchase, I have phoned them but that is all I can get with them. I am 74, so maybe my age has a bearing on their decision. So should I apply for another…
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Chargeback on Visa Debit card
I paid a deposit for a holiday using a Natwest Visa Debit card. Since then the flight times have been moved by over 8.5 hours to a time that's not no longer convenient. If the provider refuses to refund the deposit paid would I stand a chance of making a successful charge back? (The T&Cs for the holiday booking do mention…
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Where should I sell my ipad?
Hey folks, help out a newbie here. Looking to sell my ipad (and the rest of the families ipads for that matter!), no dodgey offers thanks ;) Can anyone recommend the best place. Price and Trust are the main things. Not keen on the TV adverts- those guys dont seem to offer much. Then the guys at the top of comparison sites…
