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Credit card contract
Is it possible to request a previous credit card contract of mine from the company? Even if it was created 6-7 years since. Thanks in advance..
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Poor credit no credit
Hello, Recently, I came into some money. I owe a lot of creditors, hospital bills, etc. Is it best to pay off on what I owe or should I opt for the settlement offers? With one way impact my credit more? My credit is very poor as it is. It may take another year or two for improvement. I had a few hiccups and made some…
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Wanting A New Credit Card With Benefits
Hi all, I have had a quick flick through on here and on Google and couldn't find a definitive answer and was hoping perhaps one of you would be able to advise me. I have had a Tesco credit card for about 4 years now. I accrue points on my monthly spend but I rarely use those points so I was wanting to switch another credit…
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Aqua cashback card rounding down!
After several months where no new cashback was added to my existing January balance. I got to my yearly anniversary and they rounded down the cashback by just over £5! Now the only reason I will carry on using the card is for the 0% non sterling transactions. And knowing my luck they will start charging for those as well!
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Balance Transfer.
Hello All, Can you transfer a balance that isn't in your name? In otherwords, can I transfer a balance in my wife's name only to a credit card in my name only? Hope this makes sense.
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American express gold card
Ive just received my new gold business credit card - where can I actually go to get some cash from it - anybody know plz ??
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Balance transferring from one card to multiple new
Hi all, I have been helping my partner manage her debts. She presently has one card with a balance of approx £3,000 at 17.9% APR. Using this website I pointed her to the Tesco 12 month 0% balance transfer card. She applied, and has been successful, but only with a possible balance transfer of £1,200.00. Is she likely to be…
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cash back reward credit cards
When we use these cards is there a time limit on how long we have to be "in debt" for the cash back to be added to our accounts annually? IE can you use the CC for a purchase then pay the debt off the next day and still received cash back for that purchase?
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Balance transfer - part 0% and part standard interest - advice?
Hi all, Just wondered if any one has the answer to this query, I have a credit card balance of £5300, £1300 of this is on a current 0% deal valid until April next year, the remaining £4000 is on their standard interest rate. If I were to transfer £4000 from this to another card which I hold, which is offering me a 0%…
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Recommend credit card to help pay for £1500 energy bill shock
An oversight but my quarterly bill has come through as an annual Going to need an interest free credit card to help pay for this over the next year Only card I have now is tesco which is RBS Any recommendations for ease of getting one just soley to pay for this and pay back each month?
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section 75 of credit card
Hi im just new to this site. And was wondering if some one can please help me, is their a time limit on how far back you can claim from credit card? I bought a weekend break last october from a marketing agency and went to use the voucher last and only realised and seen it on the internet the marketing company done a…
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Unforeseen balance transfer problem.
I have cashed in an ISA, on the advice of a debt charity, in order to clear some large credit card debts, following a failed business. Following advice to clear the most expensive first, obviously, I cleared off one (29.9%apr) and thought I could do a balance transfer onto a Barclaycard offering at least 10% lower…
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Accidentally paid this month's payment last month
I like to pay my credit card bill as soon as I get paid and as this is monthly it works out well and I don't miss a payment. Unfortunately I made two payments within the same statement (2nd payment made 1 day early) meaning I would have to pay twice out of my last pay packet to meet the minimum payment. I rang HSBC up and…
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In a mess - please help?
Hi Long story - sorry! Please help if you can! I wonder if you can help me in terms of how I should approach this situation as I am hearing horror stories about this particular company (Link Financial) I had a MBNA credit card. For various reasons outwith my control I got into financial difficulties and needed some…
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M&S Credit Card
New. £30 M&S wine voucher credit card freebie. Get an M&S 15mths 0%* card before 31 August, (for new custs, ONLY via this link), spend even just 1p on it by the end of Sept, and by 7 Oct (in time for Christmas), you'll be emailed a £30 M&S voucher valid on wine, champers & soft drinks ....... Anyone got their voucher code…
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0% balance transfer and minimum payments
Hi, I have Barclaycard with 0% balance transfer and that money is currently in my saving account for offset mortgage. Balance is over 6k so minimum payment is £140 to £150, i was wondering if i use the card for purchases and spend less than £140 and every month the minimum payment will clear that purchases balance. this is…
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paying interest on balance transfer fee?
i recently had a BT to tesco on a 0% offer. the fee for the balance transfer was approx 180 pounds. upon getting my first statement it shows an interest rate of something like 1% on the balance transfer fee but 0% on the actual amount transferred. there was nothing mentioned regarding a interest charge being applied…
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When to apply for a prime card?
Hi, I currently hold a subprime card with CapitalOne. When should I apply (and have a reasonable chance of getting accepted) for a prime card? 6-12 months, or more? I don't have any "negative" credit history... Thank you Kristian
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Barclaycard Cerdit Limit Increase
Hello I applied for an increase of my credit card limit with Barclaycard online yesterday and it said I needed to contact them to check further details. I cannot get through to them yet but does anyone know why this happens? Is it likely to be a decline in your experience? Thanks Rob
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Quick question about how Credit Cards work
Hi, I've got a new credit card with MBNA which has the long 0% interest deal on balance transfers, which is great. I'm also planning to use it for a regular payment to someone via paypal, and the monthly payments I'm planning to make to MBNA are around twice this - the idea being that the balance reduces over time before…
