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Clarity/Aqua applications
I've been turned down for both these cards a few times, applying a several months apart. As I have no credit card debt on the two cards I have, I wonder if they are not keen to take on customers who will pay off the cards, given that the foreign transactions (my only reason for applying) are a good deal, and probably a…
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Hp cashback question
Sorry if this is in the wrong forum, as I didn't know where else to place it, I was just wondering if anyone could tell me what this means. As I have just recently had an email from HP in regards my cashback claim. We would like to inform you that your order has been released for payment processing as per our mail…
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Credit cards for home improvements
Hi. Hubby and I have always been pretty smart when it comes to finances. We were consious to use credit when we were students to build up our credit score, but always made sure we paid them off in time. Other than that (and student loans) we have never really used credit, and we're good savers saving for a house deposit…
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Credit Card Debt
My first post on here so be gentle with me ! We fell into arrears with our HSBC credit cards. Initially their in house debt collection people were collecting our agreed instalments. However, now the debt has been passed on to Marlin and we are paying them the agreed instalments without fail every month. Can Marlin access…
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Aqua Card - Web services down or just me?
I'm currently in the US, which they know about, but since last night I've not been able to log into my Aqua account. The error keeps happening at different stages so I can't work out if it's just occurring for me or if it's a problem for everyone. They give me an 0845 number which being out of the country is naturally…
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minimum payment vs interest.
Morning all, Just popped on here as had a query re credit cards and minimum payment levels vs interest. This is merely a query, as I settle my bill in full each month on my Barclaycard cashback account so pay no interest at all, but I noticed on my most recent bill of £798.05 the minimum payment is £15.96 whilst the…
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getting best use of 0% CCs
Mods please delete this post - asked a similar question and have had replies! sorry!!
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Nationwide Card Compromised
My Mother received a brand new Nationwide Visa card today. As her card was renewed a couple of months ago this was unexpected. The letter with it stated that they had reason to believe the card no. had been compromised. They said no need to worry as no suspicious transactions had been noticed. They also asked her not to…
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Mint being awkward!
I have discovered I have a Mint Credit card I am positive I asked to close over ten years ago. It is in my maiden name and registered to an address I sold over ten years ago. I rang to find out how to close it and was told it would have to go into my current name and be registered to my new address. The account is also ten…
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Bounced direct debit affect credit rating?
Hello, Does a bounced direct debit affect my credit score? The organisation the direct debit is setup with is not on my credit report, so there is no late/missing payment to report. I am just wondering if the fact that there was a bounced direct debit in my current account affect anything? I received a letter from my bank…
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Balance Transfer Strategy
Hello Everyone, So for the past few months I've been applying, re-applying, appealing, getting old disputed late payments removed from my credit reports (with success). I have now succeeded in getting a 0% card and increasing my overdraft. Let me lay down my current debt situation. CARD / BALANCE / LIMIT / INTEREST RATE…
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Credit card protection on accommodation booking
Hi, I'm going to work abroad for the winter and the accommodation options all require up front payment of the entire season (this appears to be quite normal). Whilst I'm happy the organisation I'm sending the money to is legit am I correct in thinking that paying £100 on my credit card then the other £5000 by bank transfer…
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Long Trip Abroad - Credit Card Strategy
Hello. I am planning to travel across the USA for a number of months next year. I already have enough money saved up for the trip but I am currently considering the best way to pay for certain elements of it. for example, in the lead up to the trip I will be making many hotel and transport bookings direct from the…
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Self employed
Do credit card companies treat self-employed differently when determining whether they will accept you for a credit card please? Are you any less likely to get approved for a card if newly self employed?
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My Shopping - But Its Not My Card Thats Been Charged?
Stupidly posted this on the wrong forum originally :wall: So here it is again.... I did my accounts today & noticed some shopping I bought last month still hasn't cleared my account even though it's been 6 weeks. So I had another look at the receipt - and the last 4 digits of the card aren't mine. Bit baffled since it's…
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Using your card after it's been cancelled..??
I want to check whether what i've been told is correct as it sounds a bit stupid to me. I was told that if you cancel your credit card but you go to use it after it has been cancelled then it basically re-activates it & you can still use it. Makes me wonder what the point in cancelling is then (if this is true). Or is it…
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0% balance transfer card and new purchase.
I have a tesco 0% balace transfer card that has a balance on it, that ive just now made a purchase on. Is there any way to just transfer the new purchase to a different card. If not how does my monthly repayments pay off first.
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Quick credit score question
Well, I say quick... I've searched the internet high and low for answers to two questions, but have come up fruitless. Hoping someone can give me a hand. Let me outline my situation first. - I'm a 26 year old graduate - I work full time, and have done for the last couple of years - I'm married - I'm a tenant - I have never…
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a little help
when i was 18 i went a little silly and told myself i was building my credit score i took a couple of credit cards and opened about 4 current accounts i have decided that I am closing two current accounts but i dont have the money for the credit cards i was hoping for a balance transfer card but although my credit rating…
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Is a credit card worth it for me?
I have a good credit history and do not really use credit cards. However, I have discovered options that offer 3% cashback (Santander) and 5% cashback (American Express). I get 3% interest on my current account. Therefore I was thinking about opening a credit card account with Santander; pay the £24 fee and then earn the…
