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Used car purchase section 75
Hi I purchased a car paid £500 deposit on credit card and the rest cash when we picked it up. Since getting the car we've found out the milage is incorrect in 2009 milage was 42000 then in 2010 it was 8000 and now it's 61000 the milage which was stated when advertised and what's on our receipt. We suspect the dashboard was…
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Credit card in credit
I was just transferring a couple of balances to one card, and accidentally transferred too much money on one (2000 too much!). This means my other credit card will be in credit - do you know if i'll be able to transfer this credit to my bank account?
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Investing in forestry
Does anyone know about investing in forestry management. They are claiming that the returns are above 20% and tax free.
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Card Rescue - small print
Hi, I am considering taking out a policy with Card Rescue, administered by CPP-Direct, to take the hassle out of reporting lost or stolen credit cards. In the small print it says ' There are a small number of card issuers who won't let us cancel cards on your behalf' . Please could you tell me which card issuers this would…
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Balance transfer or money transfer???
So I opened a new Virgin credit card to take advantage of the 0% transfer deal, they charged me 3% and then charged me interest!!!! When I queried this they said I had done a balance transfer not a money transfer! At no time was the difference explained to me. Anyway I rang today to sort it and will give them full marks as…
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Getting a 0% credit card before they all disappear
I'm looking to buy as a first time buyer before the end of the year and will need to make some large one off purchases when I do that so am looking for a 0% credit card. I've always got by just fine with my debit card up to now, I've not had a credit card before as I've never had any particular need and have been put off…
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Credit Score for Bank Credit Card
Hi Guys Does anyone have an idea on what credit score you would require as a minimum to get approved for a credit card with your primary bank? Any help would be appreciated?
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Halifax Reward Clarify Card
Halifax has removed this card from online applications and advises to apply for this in branch. But I read that if you apply for the normal one, you will get the reward as long as you satisfy the terms (£1000 monthly income to reward current account; £300 monthly spending etc). And this is even in the T/C. Just wondering…
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MBNA Balance Transfer limited by application?
Hello all, a quick (and possibly naive question). Last week I took MSE advice and applied for the MBNA credit card. During the application I asked for £1100 money transfer (my overdraft) And £800 credit card balance transfer. I have been approved and given a £3000 limit. Now my laptop is playing up and I can't be without.…
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Capital One not always cheaper abroad
I recently applied for a Capital One card using the link on MSE for Capital One Classic Extra as I wanted it specifically for using abroad. I received a Capital One Platinum card and when I checked it was confirmed that this also did not have a foreign use fee. To compare I used this and another credit card in germany on…
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Clarification on 0% purchases
I've just got a credit card with 14 months 0% interest on purchases. Am I right in thinking that if I spend say £800 in a month, then don't use it again and pay it off at £200 a month. I won't be charged any interest?
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credit card application
I tried applying for the Tesco credit card with 19 months 0% interest but got stopped in my tracks when the application asked for a landline number. I do not have a landline phone and am very frustrated that I need one in order to proceed. Can anyone suggest a way to get a credit card with a small overdraft where I do not…
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Never had a credit card - where to start?
I've never had a credit card, have good credit, am a home owner just never had the need. Goin to use it to spend on holiday rather than having cash - want to pay the full balance off the month after I'm home. Will probably then just use it in the same way, buying very occasional things then paying it off. Any advice?
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1% or 2.25% minimum payments with sainsburys 0%16months purchases c.c?
Does anyone understand the terms and condition for minimum payment on Sainsburys 0% Nectar purchase card, i would copy text but struggling so i have copied link http://www.sainsburysbank.co.uk/library/default/pdf/cca_sainsburys-purchase_cc_april_2014.pdf Hope it works.. Can you understand/explain the 1% and the 2.25%?
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Paying off credit cards
Hi Guys, I have the following credit card debts outstanding and was wondering how I shall pay them off. Credit Card 1 mbna £5870 Credit Card 2 Asda £1900 Credit Card 3 Bank of Scotland £570 My present situation is that I have £8000 in savings but I am currently looking for work. Any help or advice would be appreciated. P.S…
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Post Office not giving advertised BT fee.
I applied for a Post Office credit card earlier this week and was accepted. I made a balance transfer as part of the application process and this has gone through. HOWEVER - I've just received my card and the T&C's state that the balance transfer rate fee is 2.98% rather than the 0.7% that I was expecting. Unfortunately I…
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Nationwide & Credit Card Offerings
I dunno about you guys... but everytime I visit Nationwide (to pay money in or something), they offer me upgrade of account or credit card. I know I have a bad credit score / rating. But Are they offering me this because I am already pre-approved or just because they are trying to hit a sales target? Anybody know? Cos I…
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New Credit Card
Just wanted some advice about the best credit card for my needs as there's so many to choose from I can't make my mind up. Basically, I'm going to book a holiday in the next week or so that will cost about £5k or £6k and I need a card that won't charge me any interest for about 4 months (as I am due to get a big lump sum…
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are credit card companies insured against loss
I had over 10 years ago a credit card and due to ill health then homlessness i couldn,t pay the card off,,, so i am pursued by a debt collection agentcy ,, that part i,m not concerned about,, but what i would like to know is,, the credit card issuer would they have been insursured separatly against my failure to pay back…
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56 days, how does it work?
I have a credit card from Nationwide and the payments go out automatically on the 1st of every month. This has been setup by Nationwide. However my balance is never fully cleared. Lets say I got 750 debt on the card, today they took 450 leaving 300 on the card. So the balance is not taken in full. As far as I can see I…
