-
Paying off Overdraft with Balance Transfer
Hi, I have just taken out a barclaycard(33 Month balance transfer) to pay off my overdraft that I have with Halifax. It's £1000 and my credit limit is £2,500. I want to move away from Halifax pretty quickly so I thought doing this would be the best way (I have never had a credit card before so very unfamiliar) Now, on the…
-
Anyone else have trouble paying Aqua?
So I recently got an Aqua CC (£250 limit, 49.9%APR) to build up my credit. The only credit I even have on my account is a British Gas account, and nobody else will give me any kind of CC since my report is basically devoid of life so Aqua it is! Plan was to spend & pay it off each month in full, build everything up nicely,…
-
Declined Halifax Credit Card
I recently switched my current account to Halifax, so I applied for their Purchase Credit Card. I was declined. I then got my Experian credit score as I was quite worried having never been declined for a credit card before. My score was 999 Excellent with no negative factors. I therefore wrote to the Halifax and received a…
-
Missed clearing Cc in full by 1 day, should I take it out of my ISA?
argh, I could just kick myself... I've got £2000 on Halifax clarity Credit card, apr 12.9% which has been on since 11th Sept, payment due date is today... I've already done a balance transfer to cover this onto a 0% Barclaycard to pay off the full balance but looks like it's not going to go through till tomorrow now, I've…
-
Whose name to apply for card in
As a couple we have a joint bank account and 2 credit cards, both of which are in my name with my husband as an additional card holder. We want to apply for a 0% on balance transfers card but I'm not sure whose name needs to go as the applicant. My husband is the main earner while I only work part time and so have less…
-
Balance transfer from Amex to Santander
So confused - I phoned Santander a few weeks ago to do a balance transfer from my Amex. They said I needed to get a sort code and account number from American Express which I did. I've just phoned them up and now they're saying they don't do transfers from American Express and are refusing to process the transfer, even…
-
Failed AVS check
I haven't been able to use my CC online since I changed my address. Is there any way to resolve this? One merchant said that it was due to a AVS failure.
-
Quick CC + Barclaycard question!
My credit history is limited but not bad. The only products I've had is a current account, an overdraft (that I've dipped into several times this year and which is always paid off come pay day), a mobile phone contract and a credit card. I've not had a missed or late payment. Nor have I exceeded my credit limit. And my…
-
American Express v Santander
I opened a Santander credit card account yesterday to earn cashback each month (http://www.santander.co.uk/uk/credit-cards/123-credit-card). I have now come across the American Express credit card, which seems to offer 5% cashback for three months: https://www.americanexpress.com/uk/content/platinum-cashback-credit-card/ I…
-
Interchange fee caps
I keep getting emails and seeing on facebook prompts to sign a petition against interchange fee caps. The prompt comes from a site called mycardmatters.com and it says the fee caps are bad for the consumer and serve to benefit the rich. The site has a video spelling out the issue and urges you to sign up to the petition.…
-
My wife has a credit card...
I've just discovered today after a blazing row that my wife has a credit card. I am the only source of income in our household but apparently Nationwide felt it was OK to offer my wife an upgrade to her account which included a credit card. A bit more background: we've spent years sorting out her credit record after she…
-
Alternative to Halifax Clarity
Not sure if it's been mentioned already, but it seems Creation have launched a rival to Halifax's Clarity card - Creation Everyday. Rep APR is the same, 12.9% (17.9/21.9 for less than perfect histories), no fees on purchases, cash, BTs etc. at home or abroad and historically Creation have been more relaxed for some with…
-
Which name(s) to put credit card in?
Hi, my wife and I would like to get a credit card for general spending (which we will pay off in full every month). We want to use the BA/Amex Avios card so we can collect Avios points. What I'd like to know is who's name should I put it in? Currently we have one main joint current account with Santander. I have 2 more…
-
Balance transfer query
I have a Santander credit card which expires in Dec 15, but which has not got enough of a credit limit to last till then. In a previous post I asked for help and YorkshireBoy advised balance transferring to a Tesco 12 month card. I now have that card with a £12000 limit, much better! Thanks YorkshireBoy. Should I transfer…
-
Credit Card 'Purchases'
Hi all, Could anyone help please? Obviously i know what purchases are but I'm hoping to pay 'some' of my monthly bills off on a new credit card Does anyone know if housing rent would fall into the purchase catagory? Struggling to think of any high value bills to put on the card? Thanks in advance
-
Contactless Visa cards
http://www.bbc.co.uk/news/uk-england-tyne-29862080 A flaw in the card, but we are safe because the banks have security systems.
-
Using american express card in websites that don't accept AE
Hi, I wonder is there a way to use my american express card in website that do not take them? Seems for some shops using paypal can solve the problem. I wonder are there any other way that can use the american express via a third party?
-
Transaction not on statement
Checking my credit card statement, I've found a transaction in my records which hasn't come up on the statement. It's now a month old, so I would expect to see it, and it's for a supermarket. Obviously I know that I need to pay the money, but I'm not sure quite what to do. Should I contact the supermarket, my credit card…
-
M & S credit card £30 offer expires in 21days
Recently (Sept 2014)took out a M & S credit card having seen offer on MSE for £30 wine voucher. As I was away on holiday did not study the voucher until this week . Find only valid for 21 days and had expired.No memory of this being made clear at time of application. Contacted M & S and expressed my disgust. They have…
-
Card terminals
Hi, not sure if this is the right section for this question. Is there any card terminals I can use with bad credit? I just got one with paypal and after signing up I was refused due to my bad credit rating. I am a sole trader and looking for a card terminal for customers to make payments. Is there any out there that will…
