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credit card pre eligibility test
hi all, i just used this to asses my chances of a cash back credit card, and now the system wont let me go through it again with different details, i just had a wage change and it increase again in april, i need to be able to try it with my upcoming april wage to see if that increases my changes since it's higher but the…
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Looking for the best way to balance transfer!
Hello everyone! Long time lurker here :j Just looking for a bit of advice in relation to balance transfer cards for people with poor credit ratings! Bit of background... I'm a 22 year old home owner, earning 16,000GBP per year. I have 2 credit cards, one a Lloyds Avios duo thing; limit £2000, balance £1800 used for home…
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Need a Credit Card
Hi All, I've been advised by a friend that I should get a credit card to improve my credit rating (and spend only a small amount on it, then pay it straight back). Firstly, I'd like to know if this is correct? Secondly, I've looked into credit cards online already and I don't really understand them. I don't have a credit…
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Visa Debit Payment Issue
Not to sure where to start on this one so I thought of here!! I took a Visa Debit card payment yesterday for a reasonable amount but unknown to me, the card was cancelled upon payment. It wasn't until today that I realised the error. I have a surname, which is not listed in directory enquiries and the declined Visa Debit…
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Is section 75 applicable?
I am paying a large amount for a solar install. The deposit and workmanship are insured under a scheme seperate to the installer so if the installer goes bust that's covered. However if I pay by CC (a small amount due to charges) then would I be covered for manufacturers warranties for goods bought by the installer and not…
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Company Amex
Hey all, I travel quite a bit with work, and although all expenses can be claimed back, I could do without being out of pocket for the time it takes to be reimbursed. I've been advised to apply for a Company Amex. I'm worried if I'll be accepted for one or not. I'm not sure if it comes down to me as an individual, or the…
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vanquis
Hi iv recently applied for a vanquis credit card and they have said they will call me in the next few days. i was just hoping to get some advice off people who already own one. If I'm successful i believe i will be put on the standard plan due to being a homemaker. I read on part of the website (which iv now lost :/ ) that…
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Barclaycard balence transfer to current account
Hello, Here is my situation... I have paid off and closed a number of credit cards and just have the one Barclaycard remaining. It has a credit limit of £3600 and a balance of about £1800. I have now started receiving offers from them (hopefully a sign of improving credit). One such offer is '0% on transfers to your…
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cold feet - credit card company side
Hi all 4 years ago, I got a Barclaycard - then suddenly literally a day after I'd had it and not spent anything on it, Barclays phone up "we're cancelling it, we can't give reason, please cut up your card" so I did.. and I thought "ok my credit rating must have been so borderline barclays were doing a catherine tate on…
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End on 0% interest rate
First time coming to the end of a 0% rate with John Lewis Partnership card. On my statement (January 15th) it says the 0% rate "will end on the next statement date after 27 February 2014". This will be March 15th. Does this mean that interest will start occurring from March 15th (which means I need to pay on the day of…
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Ebay not refunding money for item not received
Hope someone can help me with this! Ordered a custom made oak tv unit on 27.10.13 from ebay - paid £229 (full payment) via paypal using my Lloyds credit card. Various correspondence came via email from the supplier apologising for delay in delivery as they were really busy & had taken on more orders than expected and asked…
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Freedom-Card
I have been given a gift of a prepaid Eagle Cash Card MasterCard issued by Freedom-Card which has not yet been activated/used. I understand that these cards are no longer issued and the Website is listed as under construction. How can I go about activating this card or recovering the cash deposited on my behalf?
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Does the CC Fraud team, VS CC Dispute team, both refund money in the same way ?
If an unrecognised transaction has appeared on a credit card, and the money has to be sent back to the card from the company, from the credit card team. then if it is done though the fraud department...or alternatively trough the cc dispute department, then are both ways the same way and procedure and speed? or one way is…
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Balance Transfer Question
I have a question and think I know the answer, but would appreciate any views. I have total credit card debt of approx £9000 spread over 4 cards.On one account I have a credit limit of £4000 with a debt of £3500 owing on it. Today I have recd a zero percent balance transfer for 12 mths, initially I thought oh well I can…
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paying in euros with a card
I have used my credit card to pay for something in Turkey and I was asked if I wanted the charge in sterling or Lira. In sterling I only paid the amount of the bill and no extra charge for being in Turkey but I have just made a payment in Euros and had a £32 charge put on my bill. What is the best way to pay in different…
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Credit Card - dispute?/refund, an unauthorized payment, Procedure?
If a payment has been taking out of a credit card, where the card holder was unaware about it, i) what is the procedure to get the company to refund that money, through the credit card legal terms and conditions? ii) and if the company who has taken the money from the card is being awkward and dont refund the money, can…
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Best (or any!) Credit Card for occasional user?
Hello, I'm tasked with finding a good credit card for a client who only uses it occasionally - but does want to have the option of having one. Does anyone have a suggestion? Thanks in advance :)
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Barclaycard 31 month BT
Halifax launched a 30 month card the other day and Barclaycard has now changed to 31 months. http://www.barclaycard.co.uk/personal/credit-cards/platinum-balance-transfer I expect a 32 month one to come out soon. That's getting on for 3 years no interest.
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statement dates and payments
Hi, fairly new to credit cards, just need a quick question Current statement 3/2/14, balance of 63, min payment of 5 due 20/2 I made a payment of 63 today. If I spend money now, will I still have to pay the min payment? My next statement is 3/3/14. Thank you
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3 cards , 3 offers, 1 headsctrach
Hi People Iv already posted similar question, however iv got new scenario and Was wondering what's the way foward sensibly I have 3, card's. Virgin now at 1744 (limit 3k) balance transfer onky 0% til december 2015 Halifax all in one with 360 (limit650) purchase and balance transfer 0% Until April 2015 Barclays 228.(limit…
