-
Sent application form
Hi NatWest has obviously noticed that my other half is employed and has money coming in now, so they have sent him an application form for a credit card without him asking for one Are they allowed to do this? Seems a bit irresponsible to me...
-
Credit Card question / debt and the dead.
I have a question regarding credit cards and who is responsible for the debt if the card holder dies. Scenario :- A mother has a credit card with 6k limit she draws out that 6k and blows it, 2 mths later she dies, would her only son be responsible in anyway for any or all of her debt? The son has no connection to any of…
-
First time credit card to improve credit report?
Hi All, Following from a post that I recently made regarding being rejected for a loan despite excellent credit ratings (Experian) it was suggested that the reason I am declined finance is because I have never had any credit cards and only a handful of past loans for small amounts. Would I truly benefit from having a…
-
Ocean Finance Credit Card - new Subprime card from Cap1
Did search the forum, couldn't find it, I found a new sub prime credit card - Ocean Finance Credit Card (don't think I can add a link) as new, but go to ocean finance website, click credit card As someone rebuilding credit, I gave it a try, got several defaults from 2010-2011, but no late/missed payments in the past 2/3…
-
help with a balance transfer
hi we have £3000 on credit card on 0% interest, this is running out shortly so I want to do a balance transfer and then pay off over time. From what I can see most 0% balnce transfer cards have a ctedit limit on £1,200. Does anyone know any that have a higher credit limit???
-
Using Credit Card to pay for House Renovation
HI, I can just about purchase a house without getting a mortgage. However the house needs around £15,000 of work done to it. The plan is to bring in a builder. What would the best option be to borrow this money. I'll be reducing all my outgoings by moving to this smaller house and am pretty confident that I can repay the…
-
Best option for short term borrowing ?
My 21 year old son has asked for advice on funding a car purchase and I'm struggling to know what to say so ..... help appreciated ! He is in full time employment and earns around £13,000pa. He lives at home, he has no other loans/cards/borrowing and never has. He has no outgoings other than paying his "keep" ! His…
-
Will 3 day late payment on CC go on credit file??
Hi all, Made a bit of a c*ck up with the CC this month! I made two payments last month (on 1st May and 23rd May) thinking I'd paid for May and June. Payment always due by 19th month. Alas, statement period starts from 24th month. So in fact, I had paid May twice! Then I made an extra payment on the 22nd June just because I…
-
Which has the greater negative impact?
According to my experian credit report two of my negative factors are that I have a high number of credit accounts, but also the usage of my available credit has a higher risk. In this situation which of these two factors are going to have a bigger negative impact on my credit rating? Also are store accounts taken into…
-
Please can anyone advise? Complicated!
Hello All, This isn't an easy post to write as I feel so naïve. I'm hoping someone reading this can just help point me in the right direction - it's a bit long winded but thank you in advance for your time & thoughts. I was working for a limited company in the renewable industry as an employee. It was a great company & I…
-
Buying a car, need cash but only have cc
Hi folks, I'm new here so sorry if this has already been a thread or if I've popped this in the wrong place!! I am looking to buy my first car, and intended on doing do with my credit card - I have 0% until next April which would give me ample te to repay it interest free with monthly repayments. Because of this, I've been…
-
Convert current Santander credit card to 123
I highly doubt it but does anyone know if Santander would convert an existing credit card to a 123 credit card? Will call them when they reopen but thought it worth asking here. Thanks
-
Credit Card - interest rates?
Hi Probably a really simple question but I'm getting frustrated at not finding the answer. I have a 0% promotion on a credit card (balance transfer). I pay so much each month so st the end of the promotion period the balance will be zero. I have just made a purchase on the same card (in error!). Does anyone know if I pay…
-
Insurance cover with credit card deposit
Hi, apologies if this has been posted before, but here goes...I recently bought a new bike for £550, paid a 10% (£50) deposit with my Visa credit card, and the rest on a 24 month finance agreement, with monthly payments of £22. Within two weeks the bike was stolen and it is extremely unlikely that it will be recovered. The…
-
Paying rent using credit card
I have recently used my credit card to pay £300 to my monthly rent with North Lanarkshire council. Would this be considered as a cash advance? I'm using a Vanquis card. Thanks for reading.
-
Can I get interest frozen on old CC?
Hi all I seem to recall seeing a post on here recently where someone had had the interest frozen on their credit card (but I can't remember what post it was). Anyway, long story short, a good few years ago I had a Barclaycard which I spent up to the limit on and struggled to meet the monthly payments. The card was stopped…
-
Best Way To Balance Transfer?
Hi, I have £14K credit card debts on 4 cards. I would like to get a new card (or possibly 2, if 1 lender won't want such a large debt) so that the cards are more affordable to pay off. I have a limited company which I will be closing within the next month or two (once creditors have paid) & I will be starting in full time…
-
Egg credit card debt vanished... why?
Hi there to you all. MSE has been helpful by just reading for such things as credit repair and PPI claims but i cant find any relevant info on this subject. I had a debt with an two egg credit cards (one EGG green and the other EGG blue) I'm not 100% sure when they date back to but i know it was around 2004/2005 EGG green…
-
"Non sterling transaction fee"?
What exactly does "Non sterling transaction fee" mean? I have a Capital One Aspire World credit card which in the past doesn't charge for foreign purchases in the local currency. However, I received a leaflet in the post today from Capital One saying that they now charge a "non sterling transaction fee". Looking on my…
-
Court Fines _- Credit Card
Hello there One of my work colleagues and close personal friends is likely to receive a large court fine (£1-5k) and has asked me for the best way to pay it (almost to the degree, I think he is asking me to lend him the money to do so). Essentially, he has tied up a lot of his money in Fixed Rate Bond's, and has little…
