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Credit card 'safety net'
Hi I was wondering about how it is often said when you pay with credit card you have added protection from the bank. What happens if you pay off that credit card bill? Do you still have that protection or because you've paid the bill they can wipe their hands of it as it is no longer their money being used? Thanks
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Declined for Creation Everyday Card - Don't Know Why....?
They say: Our decision is based upon information we received from a Credit Reference Agency. If you would like a copy of your consumer file, please contact Equifax. I went to Equifax, and started a 30 day Free Trial to view my Credit Report. I can see my Credit Score is above average (440) and that I don't have any…
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Minimum Payments
I'm sure this question has been done to death but... I have 2 credit cards with £6.5k spread across them from a car purchase. I receive approximately a £1.5k bonus every 2 months which I use to supplement my salary, savings etc. What's to stop me from only paying the monthly minimum payments on these cards so that I'm more…
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Rental Deposit - Credit Card
Hi, My landlords letting agent has done a bunk with my deposit but I just found out that I paid this with my credit card. Q1. if I cant get it back from the letting agent, could I get it back from the credit card? Its just over a year since I paid (1 day over). Any idea how I can claim. Thanks in advance.
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Who do i pay? Monument raphael mackenzie hall....
SORRY IF THIS IS LONG-WINDED!! Sometime ago my husband made a payment arrangement with Monument to clear the balance on his credit card after he suffered a serious accident. After a while Monument, I believe was taken over by Compucredit (who I believe is an American company) but shortly after that the debt was handled by…
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Can a shop take 2 months to claim payment.
I have an item on my credit card bill for a small amount that says I made the payment on 15/8/14 but the card company did not receive the receipt till 20/10/14 (over 2 months) and I only saw it today 5/11/14. Because its taken so long I can't remember if i made the transaction or not. Does anyone know if there is a time…
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Pay MBNA over the counter
My daughter has an MBNA card and wants to make interim cash payments to it. Any one know where she might be able to ie which banks? It will cost £4 per paper statement which she doesn't do, so only has her card with the numbers on
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Australia for 6 months, what credit card?
We are off to Australia for 6 months and wanted some recommendations on what credit card to use? We pay off in full each month, and want to minimise our transaction fees, thanks.
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0% purchases renewal query
Hi all, My existing Natwest CC 0% purchase deal is coming to an end and I need to renew it for another (the longer 0% period the better.) I have 3 other CC that I have not used for years, one of these being a Tesco CC. (All of the accounts, including my existing Natwest card have no outstanding balance on them.) My…
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Natwest 6.9% vs Virgin 0% with fee
Wondered if someone could help? I currently have £9000 on a Natwest Credit Card at 6.9% variable and paying it off with a fixed monthly sum of £250. I've just received an offer from an existing Virgin card of 0% for 18 months with a transfer fee of 5%. Would I best to move the balance to the Virgin card for the 18 months…
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Credit card company refusing Chargeback
Hello there I am hoping you guys can tell me what to do next as I am fresh out of ideas. On 17/01/14 I bought a brand new mobile phone from WMicroUK an Amazon Seller with a one year guarantee. After 7 months it developed a fault with the touchscreen which rendered it unusable so I got in touch with them for a replacement.…
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Is it worth doing a balance transfer?
Hi, i stupidly signed up to a credit card with vanquis a couple of years ago when i was talking to the salesman for a while. I originally never had any intention on using it except in emergencies. Anyway, in short i've spent my limit of £500 quid (not a lot i know) and now i'm working again i'm starting to pay it back at…
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Amex Platinum Cashback card: Do we lose cashback if we don't extend for another year?
Hello, I've almost finished my first year on the Amex Platinum Cashback card and have accumulated some cashback. I know the cashback is supposed to be credit after one full year, in the anniversary month. Does this mean that if I don't extend the card for another year, i.e., pay another GBP 25 annual fee, I lose the…
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Closing Bank Account - will I have to pay off CC
Hi, after a disasterous year with Lloyds mishandling my current account I feel the time is right to move on. I have a Lloyds Credit Card, so how will closing my Platinum Account with Lloyds affect this account. Will they cancel the credit card and demand an immediate repayment. I have no problems with the card - always…
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Maximum Balance Transfer Query
Hi everyone, I just got an email from Barclaycard saying that I can transfer a credit card balance with 0% interest until 1 Nov 2015 with a 2.9% transfer fee with a maximum transfer fee of £1800. I am currently at £1450 on my Santander 123 Credit Card, but would ideally like to use the maximum of £1800... the question is -…
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Notice of correction on an account?
Hi, When I look at my Barclays current account on my Experian credit report there's a field saying - "Notice of correction: 7-digit number". Does anyone have a clue about what this is? None of my other credit accounts have the NOC field. Thanks
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Citibank Prepaid Card and United Airlines
Hi, One of my friends is due compensation from United Airlines, and the airline told her that the refund will be loaded onto a Citiband Prepaid Card. Neither of us had heard of it before. On initial investigation, it seems to me that if she were to redeem the card for cash (at an ATM for example), she would be charged a…
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Credit Card Direct Debit
Hi all, Can anyone help please If i have a credit card and have paid off the balance and have a good few months left, can i cancel the direct debit for the minimum payment now the card is cleared and aslong as i don't want to use it any longer? Thanks in advance
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applying for argos card after opening littlewoods credit acct
I inadvertently opened a Littlewoods credit account yesterday, and immediately phoned this morning to request its closure. how long should I leave it before applying for an Argos credit card? I was offered £1k credit with Littlewoods and am really worried to get turned down for the credit card, even though I requested…
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Card protection
Does anyone know of a card protection policy which still exists and has a good cover with a low cost?
