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Late payment marker as a result of admin error
I was hoping for some advice regarding a frustrating issue with a previous RBS credit card. In December 2013 I requested to settle and close the account. After making the final payment the RBS customer services told me that I had overpaid and they would be returning £175. Little did I know this was an administrative error…
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Balance transfers???
Am i allowed to transfer a balance from tesco to another card and then back again?? Iv got a 0% offer from tesco but its my main spending card at the mo so got a fair sized balance on it that would be brill to get 0% on!
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Should I get a credit card + credit rating
I haven't checked my credit rating but im sure its pretty bad, Ive never had a credit card or any other loans, im 26 and just use my bank account from time to time on small purchases. To raise my credit rating is it a good idea to get a credit card? what else can i do to raise my credit rating? Is there a free way o check…
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Bank Of Scotland experience.
Thought, I'd give my experience for anyone looking at the Bank Of Scotland, balance transfer card with 0.7% fee. During the application process I was asked for details of the card I wished to transfers from, providing I was accepted for the card. Well I got accepted and it said about now processing the balance transfer. I…
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Cashplus "full" credit card invitation?
Was wondering how many people with Cash plus's pre-paid card have had an invite for their proper credit card? Not sure what to call it. http://
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0 % Credit card is this possible ?
I'm new to this forum but wanted some advice is it possible to pay off my endownment shortfall ( £5000 ) with a credit card and then balance transfer to a 0% card ? Or is that classed as a money transfer ?
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Can't get credit OR a credit score because of student addresses?!
So, I'm having some issues with getting a credit card, which has lead to further issues r.e. credit score & now I'm completely snookered. I'm 21, just graduated uni, only ever had 1 bank account since I was 10 years old with RBS, it transferred to a student account when I was 18, I had a £1500 interest free overdraft which…
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overdraft/credit card
hi all i bank with santander but from august there charging £1 per day overdraft i was thinking of somehow seeing if i can transfer from credit card to bank and put my account in credit as i dont fancy paying £31 per month im sure the credit card interest will be less the overdraft is £250 , im in low paid job at moment…
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Applying for CC new address
Hi, I have just bought house and moved in, the mortgage was the first credit I have got in many years apart from mobile contracts and insurance, my question is this - When will my change of address no longer affect credit decisions ? We have changed our address with our Banks, Council (electoral roll) and all other…
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Business CC with airmiles
Hi Just wondering if anyone can recommend a business CC that has airmiles. Not bothered about apr etc just best rewards. Min spend about 50k per month. Paid off in full.
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Chargeback credit card for undelivered services
Hi there, I've got a question about using chargeback to claim back money for a service bought on my credit card and not received. Details: I bought two separate microlight flights on my Natwest credit card. Each flight was £49 (Total cost £98). After trying since the 1st of June to book the flights with the provider I have…
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Can I get out of paying charges for credit card statements?
Hi- I need to request my barclaycard statements back to 2011 (online, they only go as far back as July 2013). It's £2 per statement- I just wondered of anyone had any experience of arguing the toss to get out of paying it? Thanks
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Credit Card Shuffle?
Hi guys - advice from anyone please? I have three credit cards as stated below which all have their 0% rate running out various times. Want to shuffle but a little unsure of how to manage this and not get stung. Most I can afford in repayments is about £300 a month for a few months - then £800 a month after that. Problem…
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applying for halifax card while changing name back to maiden name ?
Hi Guys Ive decided i want to get a better cc for use overseas so i have looked at the halifax or post office one i currently have a morgage with halifax (in married name) but i am in the process of reverting back to my maiden name after my divorce ... so far i have only applied for a new driving licence ? do you think i…
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payments made when not in credit
hello i am new here so please be gentle. i tried to buy something yesterday and the pin machine said incorrect pin, tried again and it said card locked. called Halifax one this morning to get a new pin and was told i was over my card limit... doh... paid a chunk off it today and started talking to the operator about…
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Cards with free travel insurance query
I'm going to Greece on holiday soon and will be hiring a vehicle so will need a credit card. I've fallen foul of this in the past as I don't generally use credit but I've heard some do free travel insurance. As the card won't be used for purchases etc can anyone recommend where to go for such a credit card. Thanks
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card/loan to pay debt
I am new here so 'hello' to you all :) I am looking at paying off a £1500 cc, a £900 overdraft and leaving myself a few hundred quid to build on. So totaling around £3k. I want all this to be paid off within 3 years, paying no more than £100 a month (ideally £70-90). what is best for this please? balance transfer cc, cash…
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Vanquis....min payments and overpayments
Ok I have a vanquis 3K limit My min payment of 48.70 was due and having a high balance I made a extra payment via a bank Few days later I checked the online facility and see that the payment had indeed reached my account and the min payment was now indicated as zero. To my surprise they still took the min payment due in…
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What is classed as a balance transfer?
Hi, I was wondering if someone could tell me what is actually classed as a balance transfer? I have bought a kitchen from Wren on a buy now, pay later deal but the 0% interest ends in September and I really don't want to pay their ridiculous interest rates! Would this be eligible as a balance transfer? Sorry if it's a…
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can you have 2 barclaycards?
can you have 2 Barclaycards?....is it possible? Do they use there internal score to see if you can have a second or is it a whole new credit check? I would like a second one to keep finances separate for expenses. I Do have an old egg one that I was paying back, I guess I could ask for a new card on that, (I initially said…
