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Halifax CPD Markers
I am wondering if Halifax have my account marked with credit policy decline marker. A few weeks ago I applied for the All in One card with them, I bank with Halifax and have had the Easycash Account for 6 years. I also have a current account since July 2011. That has an od facility of £300 on it, which I have never once…
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leaving my bank
hello, the halifax has wrote to me to state they are taking my 980 overdraft away from me on the 10th of this month, i know they can do this but i just dont have 980 quid lying about otherwise i would not need an overdraft if i did. they said worse case is it goes to collections, the agent i spoke to could not understand…
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Can I buy a car on a 0% credit card?
Hi, if anybody can help I'd be really grateful. Does a credit card exist that allows me to have a high spend limit whilst having 0% on purchases. I have a really good credit history and borrowing record. What I don't want to do is apply for a credit card that will give me a basic minimal spend of £2,000... what I'm after…
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0% credit card for insurances
So in march my car insurance is due to renewal, mot/ service/ tax all due, I am going on holiday and buying a house. I would like a credit card what I can buy my car insurance and home insurance on. A 0% intrest one, what sort of 0% one will it be classed as would it be purchases? I will be doing it all online...
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Moving monthly payment date?
How would I go about moving my repayment date by a few days? I just need it to move back by 3 days so my wage comes in before the card payment goes out. The Natwest website doesn't seem to have any info on how to do this and I can't get to a branch/ring them at the moment due to work hours. Is it easier to do this if I…
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Looking for 0% balance transfer... but I'm a student?
Hi, I wondered if anybody could help. I have about £1500 outstanding on a credit card and would love to transfer this to another card which can offer me 0% for a certain period (and the lowest transfer fees!) however I'm a full time student and not in employment which makes me suspect credit card companies won't want to…
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Barclaycard Improved Deal
Hi Guys, Recently i lost a default from my credit file after 6 years. I did a MSE soft search out of curiosity and it came back with a 90% chance of a Barclaycard Platinum at 18.9% APR. At the moment i have a Barclaycard initial at at rate of 34.9% APR. I was curious to know, if i speak to Barclaycard is it likely that…
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Balance transfer to partner's name
Apologies if this has been asked previously but I can't find it if it has. Does anybody know whether it's possible for my partner to apply for a 0% card and transfer the balance from a card in my name? Thanks
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Credit card payment not applied to account
Hi there I found a cheque which is 5 years old from my credit card company - my card had gone into credit so they sent a cheque to pay me back. There were no chaser letters sent by them and no follow up. The cheque (£2705) was left outstanding on one of their internal accounts and not followed up on or credited to my…
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Discount thorugh credit card
I have seen an article on braces fetish and talked to my girlfirend. Now she is interested to get braces and requested me to arrange it. I have no cash in my hand and i can use now credit card only. Is there any discount available if i use credit card for purchase?
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Barclaycard trying it on?
Hi Money Saving Experts & all the fans. I'd like to share my frustration with you and how I've just tackled some trouble given to me by Barclaycard. Back in 2007 I went through some tough times: my family home was repossessed, I had 2 credit cards Barclaycard & Mint) & a loan and was paying substantial interest rates.…
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Capital One charging to a closed account
Need to get the opinion of fellow MSE'ers. I had a capital one credit card and made the decision to pay it off and close it. Before I closed the account I had disputed a payment to a third party. In June 2013 Capital One advised me that they had investigated the payment and the monies had been refunded to my card. I paid…
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Advice: if i should wait to get a credit rebuilder credit card
Hi All, firstly i'd like to say thank you in advance to any general advice people can give. I've seen recently a few of these credit re-builder cards, and it got me wondering if it's worth me getting one to re-build my credit rating as in the future i'd like to buy a house and stuff like that. what i can't decide on is if…
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Halifax Clarity Card - Rejected Application
Wish I'd not bothered mentioning to be honest
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Asking for a Raise in Limit - High Risk?
I've had a couple of credit cards for about two years now but I want to ask for a raise. The one I need the raise on did have a default payment as the CC company simply didn't collect the direct debit. I called them up, they apologised and wrote off the £4 that was outstanding. However the limit (which was £2000) has now…
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Paperless statements & making payments
I've gone paperless on my credit cards and generally make online payments. However yesterday I wanted to pay cash onto my credit card so I printed off the paying in slip The bank had abit of difficulty in processing the slip (apparently the ones you get through the post are magnetic and so can be read by the banks till…
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Problem with MBNA online?
Ive just tried to log into my account, and my card account has disappeared, and a message saying there is no account associated with this ID. Ive tried adding it, but its not recognising my details. Anyone else having problems? Ive rung the automated telephone service, and it gives my balance, so im hoping its just a…
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Credit card cash advance: Should I make payment straight away?
Hi All, I withdrew £100 as a cash advance on one of my credit cards (Barclaycard) when I was out and about earlier today. I had forgotten my bank card and I needed the cash. Now I believe that interest is assessed on cash advances straight away from the moment they are made, and more than likely a cash advance fee applies.…
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Trying to work out how purchase interest is paid on a BT card
Hi I'm looking for some advice as I've read up on this but I'm still confused, doesn't take much :p Suppose for example: I had a 0% BT (29months) card (1.5% purchases) that I had transferred £2000 on to & then made a purchase in a shop of £500, would I pay the 1.5% on just the £500 or on £2500? And then if I paid £100 per…
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Paying off credit card balance
Hello there, six years ago my husband signed up to a citibank credit card, which was handed to him on a plate and we never really checked the terms or conditions! It turns out our interest is 24% Apr. We have been paying it off faithfully for years, but as you can guess the balance is far from going down. We will be…
