Credit cards

Archives for November 2014

Aqua card - credit limit highier than £3750
Hello, I got this card in 08/2013 and I started with a credit limit of 250. They increased it constantly and few days ago they increased my limit to 3750. I am just curious if I can get an higher limit. I heard that vanquis has a maximum of 3000, but didn't find anything about the maximum with aqua. Thanks
Spending 15k a month
So. I earn 2100net PCM. I have an unusual job, I pay for a multitude of work related things and I'm then reimbursed as often as I like. I regularly spend £15k pcm and I'm then reimbursed. This year there was a month where I spent 34k in 1 month. I put all of this through my current account, which is in credit, through…
interest rates
Hi, i have a vanquis car and im confuse how the interest works. its 39.9% APR does that mean 39.9% of the balance over the year divided by 12 to get the monthly rate of is it 39.9% per month.:cool:
Natwest credit card query
Hello all.. I applied for a Natwest credit card yesterday... Online thru the bank site and there they gave me a reference no and a.limit that was ok...my query is this is the first time.I've applied.for a.credit card here in UK.. Sony dont know the procedure of if I'm accepted or not.. Please tell me how to find out??
To Activate or Not To Activate
I've just been accepted for the Tesco Balance Transfer Credit Card. I will not be using the card for purchases, instead I'll just be completely paying it off over the 12 month period. My question then is; should I just not activate the card when it comes, and if I don't activate it what would happen?
When can file/score look good after using CC for cash withdrawal?
Ok say I did cash withdrawal on my CC card, but by March I have a decent balance and want to get another CC card from a bank, what are my chances? and how can you improve your chances in getting a bank CC card?
which to keep
I have four credit cards i have recently cleared the balances and i was wondering which two to cancel Capital one i have had for two years in december Vanquis i have had for a year and 7 months this is one i am sure i am canceling Aqua i have had 1 year and 5 months this is one that the intreast goes down 5% every year for…
Can you still have a decent score/file if you pay lot of interest?
Say you withdrawed £700 cash using Capital One Classic Card, I know that charges high interest fees, but what if you pay more then the minmum regularly, never missa payment and don't have any defaults, CCJs etc...Can you still maintaine a decent credit score and file by doing this? also how long does it take to build up a…
Santander credit card bill warning!!!
Be aware, I have just received my 123 credit card bill and it states I have failed to make minimum payment, could not understand this as D/D is set up on this account. Santander say it is due to computer error due to my account receiving a refund during billing period, was told many customers have contacted them, Santander…
Need advise on moving credit card debt onto a 0% card
I currently have a Natwest Mastercard which roughly has about £4k on it and I'm currently getting hit for about £50-60 worth of interest per month. Spoke to a colleague at work and was suggested to transfer my debt onto another card with 0% interest as the interest is quite large. If switching to a 0% card, I could afford…
Clydesdale bank credit card - online?
I just got a Clydesdale bank 0% purchases credit card. Not the best credit limit in the world at £3500. I initially applied online but the whole process was quite old fashioned with lots of paperwork sent out to sign and return. I gave up trying to get an additional card fro my wife as that meant filling in more forms and…
TSB Platinum Credit Card - Not Contactless ?
Hi All, Just received my TSB Platinum Mastercard and it's NOT contactless :eek: lol Has anyone else found the same ?
sec 75 pre owned wedding dress
Hello, Was wondering if anyone knows if I can claim under section 75 for buying a pre owed wedding dress bought by credit card? The shop I bought it from will not refund even half the price as they have changed their stock and only selling new wedding dresses now. I was told when I bought it if there was any problems I…
Rejected CC
Hi, Looking for help. Applied for a 0% CC to transfer £9k CC debt (some BAD financial decisions over the past few years). However I just got rejected for a 0% deal. Not sure why, a few months back my CC limit on my spending card (use for work expenses) was late in the payment, my fault - totally forgot and I instantly had…
fed up with debt
Hi, So i have a credit card that is maxed out at £1200 and a £500 pay day loan :( . i want to open up a 0% transfer credit card and put the £1200 in and pay that off over a year, the problem is the pay day loan! is it possible to put that on the 0% card as well or whats the deal? I have defiantly learnt my lesson about…
Tesco clubcard late payment 1 day
Hi everyone, I stupidly forgot to pay my Tesco credit card this month. (I had a direct debit set up for min payments, I cancelled it with a view to pay manually this month and change it to my 2nd bank account and then completely forgot.) I've never had a late payment before, my credit history is impeccable. Now, it was…
Halifax changing interest rate mid term
Ignore this, I've now spoken to customer services. There's a letter coming out stating that they are changing the way they calculate their interest, from a standard SVR to an SVR + 0.5% bank base rate from 26th February 2015. If you have a 0% deal this remains in place and the interest rate changes will only affect you…
Credit card application
I've recently applied for a Lloyds credit card to transfer a balance, however the credit limit I've been given is not enough to complete the transfer. I'm still on the 14 day cooling off period but my question is, should I cancel this card in the 14 day period will the account remain on my credit file even if the card is…
Accepted for sainsburys card
I've just been accepted for the 33 month 0% balance transfer card with sainsburys. On the acceptance page it said the usual 'we are pleased to offer you x amount' The thing I'm a little confused about is that it didn't say anything about the 33month 0% (which is why I got it) but instead said I had approx £2000+ available…
uKash - Poor customer Service
Since I signed up to uKash service I have not had any thing but hassle.:mad::mad::mad: 1. Getting the MasterCard USD took two weeks. After two long phone calls plus the helpline telling me it was not available? 2. Trying to top up the master card has been near impossible as I so far have only managed to top up with a £20…

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