-
Does settlement partial payments of credit cards affect getting a mortgage ?
Credit and Store cards debit jointly held from a dissolved marriage. Now financial matters being sorted. Ex partner wishes to pay partial payments of the debits. All accounts I'm named first, so all bad credit rating for it is solely in my name. Should I push for it to be paid in full as I wish to take out a mortgage and I…
-
Vanquis
Hi All My first post after browsing the threads for a while! I have cleared my overdraft of around £2000 6 months ago, payed of my store credit, and finished my mobile phone contract. I have a poor credit rating due to some late payments and things, however i have never defaulted so wanted to increase my score. I applied…
-
Barclays fraud Dept going into overdrive
Hello - three times in as many days have I had transactions declined by the bank - two internet shops (a supermarket and take away) declined by verified by visa and a payment on my phone bill declined and card blocked until I replied to texts. The third one, fair enough, was resolved quickly but I spent over half an hour…
-
I want to cancel Barclaycard
My 6 months interest free period ends tomorrow and I've paid it off in full and really I was using it to boost my credit rating. What is the best way to cancel the card and is it wrong to try for another card with a long interest free period?
-
Does owning other property have any affect on Credit Rating?
I have assets well in excess of my debts. eg: a mortgage free property other than my residential address. I have recently been declined a Credit Card for which I was rated as being 90% likely for acceptance. All my monthly payments are by Direct Debit. Is it of any relevance to a Credit Agency that I have property assets…
-
PPI checker
how do I check I have been paid the right amount of PPI
-
MSE News: Keep forgetting your PIN? Fingerprint recognition cards on the way
'Shoppers will be able to use fingerprint authenticated bank cards to pay for shopping from next year Read the full story: Keep forgetting your PIN? Fingerprint recognition cards on the way Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to…
-
Credit card - which one to apply for?
Hi I am looking to apply for my first credit card having managed my monthly spend through my debit card most of my working life. I want to use it mainly for groceries and fuel - with the odd 'other' spend in there also - and have earmarked the Amex Platinum Everyday mainly due to its cashback offer. I envisage that the…
-
Balance transfer from Amex to another cc?
I have recently taken out the Amex Preferred Rewards Gold charge card and want to book a hotel on it and then transfer the balance to either Barclaycard, Halifax or MBNA credit card, depending on which one has the best offer. 1. Has anyone successfully completed a balance transfer from this type of Amex charge card before…
-
Credit card
Hi there, I am starting my new job in 2 weeks today. I am currently employed full time anyway but I just have a quick question. I am wanting to apply for a credit card (to transfer existing debt over to) and when it asks for my job, I'm not sure whether to put my current one or my new one. With my new job I am earning…
-
Can you have a paypal account using a credit card?
Can anyone please help me? I am wanting to open a paypal account but want to use a credit card, instead of my debit card/current account, for payment to paypal Firstly because have I had my debit card cloned twice and then had money taken/spent out of my current account so had to wait the usual length of time for the bank…
-
Refund from Germany (answered)
Hello , recently bought and returned product to Germany. But the seller is requesting my IBAN/BICS for refund instead of processing it directly to my credit card (the payment used). If I agree to IBAN/BICS payment wouldn't I loss out on the exchange rate as the banks tend to have lower rates than credit card companies? I…
-
need something besides a generic HSBC card.
Hello! I've had my HSBC credit card for five years now. It started off as a student credit card and then they converted it into a regular one after I graduated. A year later, I began working for them and they altered my card so that it included a staff rate. My HSBC credit card has 11.9% APR. At first, I thought it was…
-
Credit card query
Hi guys Took out a cc at the start of the year, and have had a few fees for late payment.Which I immediately paid as soon as I knew about. Thought i was just getting my dates mixed up with my various bills etc but in one of my most recent statements, they wrote this- "There was an error in the information included with…
-
Currency exchange rate difference if refunded for faulty goods
We bought a well known, and supposedly reputable, brand of watch in lanzarote from a local jeweller, using 2 different credit cards (there wasn't enough limit to buy outright on either). The watch is faulty, which has been confirmed by the manufacturer, but they say we have to get a refund from the shop we bought it from…
-
Which Card to Use?
I hope someone can help me with what my best option is. I currently spend the first £300 of each month on my Halifax Clarity, to get the £5 reward. After I hit this, which card shall I use? Amex Cashback Everyday Tesco Clubcard (Currently 0% Purchases) Nationwide Select - 0.5% cashback I do also have a Capital One Classic…
-
First Cashback Credit Card. When and where to use and not use it?
Applying for my first credit card soon (cashback) but slightly confused on where and on what I should be using it. I want to use it everyday, like a debit card (but paying off in full every month) on petrol and shopping and online shopping. Is this fine? Where Should I avoid using a CC? Thanks
-
Faulty product bought on credit card
A while ago I remember reading something along the lines of, if it as been bought using a credit card, the credit card company is also liable for faulty products. I just want to know if this is true for my situation, please. I bought an LED TV on a credit card nearly 3 years ago from Comet (which is why I can't go to…
-
Best avios credit card
I'm looking to holiday somewhere in America (poss east coast of NA, or somewhere in South America) in two years - will be family of four with both kids counting as adults. I'm wondering which credit card to get to start collecting air miles / avios points. British Airways American Express offers 18000 avios points after…
-
Best 0% credit card - no debts and have number of CC already
Hi guys, I was hoping someone will be able to advise me on what is the best option. I am planning a potentially large purchase in the next 7 days. It will probably be just a bit larger than the single CC limit I would get (thought that's not a problem, I could partially pay cash or split on two cards). The question is -…
