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can you claim back credit card interest?
can interest be reclaimed on a credit card or is it just fees and charges?
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Amex reward card no more Amazon ?
I have a Amex reward standard card not the gold one. I have used it for a few years now as I can cash in 10,000 points for £50 amazon voucher which is useful. However, have just looked as getting close again to redeem and it appears all mention of Amazon has vanished from the rewards site. It appears they revamped the…
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M&S Voucher for new M&S card offer:
I received my new M&S card a week ago after applying via a link on this site that offered an M&S voucher if successful. The offer was current when I applied. I heard nothing more about the voucher after applying and certainly haven't received one yet. I wonder if this a common occurrence and whether it is worth following…
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transferring a balance
Hoping to take the family on a first sun holiday in October half term. I can afford it just not till November when I get company SAYE shares. To secure the holiday and keep the OH happy :D I am hoping to pay for it very soon on my capital one card, but this takes me close to the limit with about £6500 owing. My thoughts…
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name not on credit bureau
hi we want to change our credit card to a 0% interest but my wife put here details in and message says not on credit bureau, what does this mean and how can she get on it? thanks
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Easy credit card question
I have a Nationwide Select Credit Card. I put a large payment on it as I am expecting to have part of it refunded in a few days. I already had a balance of £150 on it, so this large payment took me to £20 below my limit. The balance doesn't need to be paid off until the end of this month. Part of the large payment will be…
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halifax clarity credit card.
Afternoon all I am going to Poland in a week for a few days. I have read that the halifax CC doesn't charge you for withdraws. I have such card the one that doesn't get £5 when spending over £300. If i wait and withdraw the amount i want when i land in Poland and pay it off as soon as reach the hotel via online banking…
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Which Santander card?
I am continually getting emails and letters guaranteeing me acceptance for a variety of Santander cards (I bank with them). Until fairly recently I had terrible credit after a couple of bad years in 2009-11. Then due to circumstances I wasn’t really able to make much headway in getting my balances down. I currently have an…
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Question about balance transfer
I have recently taken out a Barclycard and transferred the majority my outstanding Halifax balance to it. My Halifax card still has £30 to be paid off but its saying that my minimum payment due this month is £65. Does this mean I still have to pay the £65 or can I just pay of the remaining £30. Amount transferred was…
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Section 75
Hi all, Where it says this on this website re Section 75 credit card consumer act: If you stand your ground, it's possible to argue that the indirect relationship constitutes an arrangement to pay. The Court of Appeal decided this was acceptable in 2006, but it's unlikely to be an easy task. I just wondered if anyone had…
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store cards to one credit card..??
Hi im new here.. so just finding my way around. I have 4 store cards, which amount to about £2,000 and the interest I am paying everyone month is crazy!! I want to transfer all the balances onto a credit card. I have looked thru the advice on here, but am a little confused. Do I need a balance transfer credit card? It…
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Worth getting when you don't need it?
So I started with a Vanquis card a few year back, then applied for ASDA cashback CC and got it, had it few years now, got way more than enough credit, love the cashback, pay off balance each month. So pretty set with CC's I guess. I ask however, because since I got my credit up, got a few store cards, some accounts with…
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Credit Card Confusion
Hey Guys! OK So I have transferred a balance of about £2000 from a vanquis card at 40% to a new barclaycard that is offering 0% on balance transfers for 33 months On the barclaycard it is 0% on purchases but only for 6 months I also made a couple of purchases on this card totalling about £40 I have heard that I should…
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Credit Rating: decreasing credit limit and Putin
Hello mates, I was surprised to be rejected recently in almost all my credit card applications while my previous cards had large credit limits (around 3600). Recently, I have asked to decrease my credit to 500 in the cards that I do not use. Could this be the cause of confusion when banks estimated my credit ratings?…
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I hate sainsburys credit card service
Hi all, i need some advice? I have had a sainsburys credit card now for just under 2 weeks and to be honest with you, there service is naff, let me explain i applyed for sainsburys credit card because its lower APR rating than Capital One of whome iv been with for about 4 years its a Visa but its one of those special cards…
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Lost my job and have insurance with Vanquis advice
I have a Vanquis credit card and I am now out for work. Can I have my account frozen for a period of time whilst out of work? Can they refuse to not freeze my account for whatever reason? I believe I have some sort of insurance in the event of this happening. I informed them that I lost my job and they sent me a form which…
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Re-activation of cancelled Barclaycard
Hello, I have a Barclaycard cashback card (former Egg card) which has been activated when I refused a rate increase. I have been paying the outstanding balance (more than the minimum every month) and I have a small amount left. I am thinking of asking Barclaycard to re-activate he card as I would like to to use it again.…
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Credit card applications declined, but nothing bad on credit report
Forgive me if this is a common thread and I am just adding to the masses that have already been answered, but I am hoping somebody can offer some advice on my credit card application issues. I have tried to apply for credit cards with Halifax and MBNA, both online and in branch (Halifax). Every credit search was declined.…
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can you balance transfer from Halifax to Llyods card?
just applied and been successful in obtaining a Llyods Platinum Balance card.. they have given me a 4k limit so will cover my Halifax card balance of 3k just coming to the end of its 0% deal,. but now just read on the net they are part of the same banking group and you can't transfer between them! bit of a blow as thought…
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Credit Card Eligibility Amex - 0%
I've been looking at getting an Amex with 5% cashback. I have used the eligibility checker in the past and I seem to remember getting a decent score for this card 50-60%. My circumstances haven't changed but I now get a score of 0% and am told that I am not elegible for this card. I'm 25, full time employed, private…
