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Credit application with bad history 10 years ago.
I have a question regarding applying for a credit card with a company you have had a bad history with in the past. I'm looking at applying for a 0% balance transfer Barclaycard but have in the past had bad credit history with them through defaults and debt collection on a previous Barclaycard just over 10 years ago. I am…
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Quick question about monthly interest applied to credit cards
I've just taken out a loan, which i have used to pay off 3 credit cards I have paid them all off to the current balance, for 2 that was the same as the last statement, for one it was more because i had spent on it since. Provided all these payments clear before my next statement, is that the end of it, do i have balances…
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MSE pre-apply eligibility checker help
Hi there New to the forums but browsed them a few times before. So i got a email recently from MSE and thought i'd try this checker out. Now i have currently 2 CC's and i have been living at my current address nearly 3 years paying council tax yet i get this message EVERY time i do it - Unfortunately, we have not been able…
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Confused about Argos card payment
We opened an Argos credit account this year and the payment is now due to be paid after 6 months interest free credit. We get a statement from them every month online and the last one I got says we owed £0.00 so I was awaiting this months statement to tell me the balance so I could pay and haven't received it yet although…
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Barclaycard question
Hello, A statement was generated today for my barclaycard the interest made the balance exceed the credit limit, I've cleared the card in full today will I still be charged the £12 even though it has been cleared the same day and will this report to the cra? Many Thanks
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First Credit Card - Silly Question
Hi, Just trying to apply for a first credit card. Done the tesco one, how do i know if i have the 0% deal? It said credit card application accepted and interest rate 18.9% but then in some of the documents it says introductory rate of 0% 19 months. Dont want to spend on it and be charged any interest. This sounds like such…
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Contactless cards ?
Hi new to contactless cards and just been sent one by Lloyds. I've read about some of the problems people have had in the past with them, but definitely don't want one anyway as I'm quite happy with the Debit card I've had for years. Can I refuse it and cut it up or is there a choice etc....? Many thanks in advance :)
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M&S £30 voucher still available after delayed application?
Hi, I applied for the M+S card with the £30 wine voucher on the 8th August. M and S processed the application on the 14th. They sent me a letter asking me to further validate my identity by getting my pp signed by a GP or similar. I haven't gotten around to this yet, and was wondering if I do then will I receive the £30…
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Close it down?
I have a credit card with M&S which has a £0 balance on it, a £1500 limit on it, and an APR of 25.9%!!! I also have a card with Halifax which has a lower limit (£950) but also a much lower APR - I think it's 18.5% but not sure. I definitely know it starts with a '1' and not a '2'! The most I put on a card is around £500 as…
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successfull transfer
today i made a balance transfer with barclaycard,no problems at all,i want to thank everyone who pointed me in the right direction.:money:
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Overpayment to sky by debit card.
Hi all. Hope this is the right place - there didn't seem to be a dedicated debit card thread. Sky have overcharged me by £10 this month, as the introductory offer for free broadband for 12 months mysteriously disappeared from my account. They've sorted that out, and told me that a credit will be applied to next month's…
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Santander 123: Tesco Online
So I have a couple questions. I have read on the confirm that some people have mentioned you wont earn cashback on purchases at tesco direct (online). Has anyone had different results Secondly after asking tesco webchat what their merchant catagory code is, they flat out refused to disclose it claiming it was confidential.…
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Unsecured element of existing mortgage.
Hello, First time one here so any help would be appreciated. I currently have an existing mortgage (from 2007) which I’m looking at removing the unsecured element of to an interest free credit card, (£6k). Would this be classed as a balance transfer or as a purchase? Does anyone have any experience in doing this?
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Quick Balance Transfer question
Hi all, I have a Barclaycard which I did a balance transfer to on a 0% until October 2015 a year ago. There is still a balance of £2k on the card on the 0% deal and they are now offering me another 0% on balance transfers deal. If I took them up on this, would it affect the current 0% deal on the card or would that still…
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Barclaycard Freedom Rewards and BHS Hot Drink offer
This offer entitles you to receive one free hot drink in a set size only at any BHS Restaurant, Coffee Lounge, Caf! Express or To go’s, to have in store or take away. To claim your free hot drink, simply present your Barclaycard Freedom Rewards credit card or BHS MasterCard at the till. Valid between 1st September – 30th…
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Get Credit Card with CCJ
HI, I am trying to get a CC but kept getting refused. I then looked at my credit file and realised i have a CCJ but it disapears in June 2015. I am going away next month and need it for Hotels and Car Hire. Any suggestions how to get a CC with a CCJ APR isn't an issue as i'll pay it off when i get back. Thanks
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Balance transfer card- money transfer
Hi, I have a virgin credit card, to which I had moved some balance from another credit card, and also used its cash facility. But their interest free deadlines are different. So as an example, the deadline for the money transfer is 30/09/2014 with balance of 2K, but it is for credit card transfer 31/12/2015 with balance of…
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Credit Card purchase on line abroad
Extra infoReal Madrid ticket website mistake I have bought some tickets from the Real Madrid official website it was at 22.36 at night for a match in December. When the tickets were confirmed they were both for a match about to start on the same evening at 2300. I immediately contacted Real Madrid and they said they would…
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suesim
I am doing balande transfer tommorrow with barclaycard, has anyone got any important info I should know, thanks in advance
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incorectly charged
Despite paying by direct debit one of my card providers has just slapped me with a late payment charge on the same day they took the DD from my account. I have contacted them and they did refund the charge but the late payment charge is still showing on my account. I am concerned that this will end up on my credit…
