-
First time CC query
I have just got a tesco 19 mnth 0% spending CC. I need to pay for some building work - i have the account details of the builder. If i pay for this from the CC online account will it be a 'money transfer' rather than a purchase and therefore be subject to interest? Daft Q, but i've never had a CC before...:o
-
PPi claim on store card and catalogue
I have recently received two confirmations that I had PPI on a store card and a catalogue. Both have been rejected by the lenders since the original agreements were before 2005. One has gone to the finance ombudsman but has been rejected by them because of the timescale. On both these claims I did not know that PPI was…
-
Paying for road tax at post office on a credit card
Has anyone here done this? If so, was there a charge for doing so? Just had my reminder through which states that a fee would be added if I paid online with a credit card. After digging around a bit I've found there "may" be a charge if I pay by credit card at a post office. (Surely they must know if there is or not!!)
-
upgrading my barclays initial to barclays
ive had my barclays initial card for 10 months now ,always pay on time etc ,do i need have the card for a certain time b4 i can get upgrade? and how do i get upgrade? do i just ask or need apply for it also everything on my credit file is clean etc no missed payments etc bar 1 default which is 5 yrs old for small amount
-
Balance transfers for a family menber????
Is it possible? A son has horrific debts and has come to his senses (I hope) He is wary about taking a new card to do the 0% rate transfer as he hope to get a mortgage when this is over and is worried about damaging his credit rating (lol) Is it going to be possible for me to take a new card, have him as a second card…
-
Halifax 20m 0% purchases for Halifax Clarity holder
Hello I already hold a Halifax Clarity credit card with a quite large credit limit of which I typically use very little each month (the highest spending ever was up to ca. 30% of the limit), as I tend to use it when travelling abroad. I am interested in getting the Halifax 20month 0% purchases card. How could my owndership…
-
CC DD help
Hi all, first post for me! I'm new to credit, and have been responsibly using and paying off a credit card for six months. 2 months ago I added a second. Both have direct debit agreements for the minimum due amount, neither have ever been drawn on as I've paid in full soon after my statement date. I'm now happy that I've…
-
Can I use this CC to make purchases on??
Hey MSE'ers. Hope you're all having a good weekend. So on one of my cards, its Halifax 0%, limit of £1000 currently with £110 available on it. It was for an initial balance transfer, and i've slowly been hacking away at it. My question is, can I use this to make purchases on? I have the pin for it, but want to be 100% sure…
-
Lloyds Contactless Credit Card
My replacement credit card from Lloyds arrived last week and sadly wasn't contactless. Do they offer this facility on credit cards and could I just ring and request one? I know I could ring and ask but hey thought I'd ask here first :)
-
pay rent with credit card
Hi i just applied for capital one extra credit card. Is it possible to pay my rent (transfer money to my landlord) using the credit card? are there any fees? only reason is cashback thanks
-
Will I ever clear these cards!
Hello, I am after some advice please.? I defaulted on virgin credit card and stupidly it got sent to AltiVec capital whom I pay £156 PCM to but is going to take about another 2.5 years to clear. My credit file was pretty good had a few late payments but no CCjs etc. I still have 2 credit cards with balances of £3k and £4k…
-
Buying house new CC advice please
Hi, My partner is buying a new house and we have had the mortgage agreed with a move in date of 22nd October. We have really stretched ourselves to put down a 10% deposit and paid a little more than the asking price to ensure we got it (Scotland). By the time we pay all of the lawyers fees and stamp duty etc we are just…
-
Credit card missed payments
Hello all Basically I used my credit card beginning of July then went on holiday and on the day I returned I reported it lost as I left it at the apartment. (I never used the card on my hols)After a few days of returning home I logged on to the mbna website and it said zero balance so I thought I had paid it off. What…
-
Transaction done abroad took 2 months to go on credit card
Unsure if this is the best thread for this. In early July, I went to Rhodes for a week. I used my Santander Zero credit card on a total of seven transactions. Of those seven, three were withdrawing cash from the same ATM. Six of these went onto my account within a couple of days. The final one, an ATM transaction was only…
-
Credit card protection - buying a used car
Hi, I'm looking for some advice on what kind of protection/refund rights I have after buying a used car on my credit card. I'll give a little background to my situation: I bought the car for around £1400 from a used car dealer on 6/9/14. The car ran fine and appeared to be in good shape. On 11/9/14 an engine fault light…
-
Hotel bonds on Credit Card
Hello, I'm looking to hear of other people's experience when checking into a hotel and they take a 'deposit' or 'bond' on your credit card. So I'm going to be checking into a hotel next week, and I have found out they will take a £200 bond/deposit/pre-auth etc at the check-in. I'm not too familiar on how these things work,…
-
Cancelling Credit Card??
Hi All, I have received my new credit card but decided it`s not for me, I have not activated it, should I call and cancel or just not use it??? How will it impact on my credit?:eek: Thanks Suzanne
-
new credit card
posting on behalf of my partner as we are linked with joint bank account ,im aware if he applys for credit mines gets checked too ? we both have credit cards each but my partner wants apply for 0% credit card ,he has no missed payements or defaults etc has great paying history etc ,mines is same bar 1 small default for…
-
Sainsbury's credit card account - can't log in. Unbelievable response from them!
P { margin-bottom: 0.21cm; } We went to our Sainsbury's credit card account this morning and could not log in. Definitely using the correct login details, so we rang their help line. Very polite and attentive rep attempted to help - unsuccessfully. He was unable to even reset our password. He then asked if we had access to…
-
Internet banking overpayment
I usually pay my credit card bill via their website. As I was going on holiday & wouldn't be back in time for the payment date I tried to pay on the day I was going away. Got all the way through to the end of the procedure to be told that a technical problem meant my payment couldn't be processed & to try again later. I…
