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Credit cards

Archives for November 2014

credit card junk mail to old address, should i worry?
I moved house last week and redirected my post. already getting 'junk' credit card application forms/packs from low credit companies (I'm a good earner and never needed a basic credit card) so usually just tear them up, should i let these companies know i've moved, so at least I can dispose of their junk, knowing it hasnt…
Capital One Reward Credit Card Direct Debit Query
Hey guys, Quick question regarding a direct debit on my Capital One Reward Credit Card - I currently have one set up to pay in full every month. The problem is, it takes 3 weeks or so from the statement coming in for them to take the money. I would rather pay earlier, so my limit resets quicker. If I was to pay an amount…
CCs and not being paid monthly.
I pay my credit card off in full every month. However, I get paid 4-weekly. The next time I get paid is the 8th but my app says "payment due 1st december" I have made a payment in november (19th). Can anybody help me? I don't want to get in trouble because of when I get paid now. ETA - my pay lines up with the payment due…
Credit Card application - specifically timing
Hi - am new to the forum I am looking to take out a 0% purchase rate credit card soon, but am wondering if anybody knows whether I am likely to see a better / worse or neutral credit limit depending on whether I apply before or after Christmas Does anybody have any knowledge / thoughts on this please?
Go lightly on me!
I'm a newbie to CC's!! So, I've had my CC for 2 months now. The first bill I received was for £0.00 so I obviously didn't pay anything. I received a statement for this month asking for me to pay £5.00 on the 1st Dec. I want to pay it all off today (Balance of £500) can I pay it all off or am I better paying £495 and…
Fastest 0% CC from application to receiving card?
Hi all, Could anyone give me an idea of which 0% credit cards appear the quickest (through the post!) from application? A relative applied online for a 0% Sainsburys card a couple of months ago and it took a good month for the decision, paperwork arrival, paperwork sent back, card and pin arriving. I'd like to buy some new…
Pay off Sterling Credit Card in Euros
I am not sure if this has been asked before but I couldn't find the answer. I have amongst many other debts a 0% balance transfer MBNA credit card as high as £8,000 which is due to end by early next year. Incidientally I also have the same sort of thing with a barclaycard with a similar amount but it still has a year to…
Section 75 and builders
We employed a builder to divide a large bathroom into two rooms; an en suite and bathroom. He said the job would take three weeks. Well, 5 months on, we've finally fired him and got someone else in to finish the work. The new builder has identified significant issues with the en-suite which may mean we need to strip it all…
ambushed on phone complaining
Had a baf experince eith wren kitchens took 3 weeks for them to get back to me after waiting for there reply had a bill for £360? By builder due to wrong size cabinates they admited they were wrong took 2 weeks to deliver! Offered yo psy £75 as compensation. Had yo agree. I sm noe £285 out of povket ehere do i go from here…
Amex card rejection letter
Just recently applied for the amex cash back credit card and I have been rejected due to not having a bigger annual income I wouldnt mind but its not as though i get into debt could it be because I am not risky enough because I always pay things of in full ??
Amex card
Anyone have the Amex cash back card mentioned in this week's e-mail...just wondered if any probs or all good ;) Already have a Nationwide card that earns 0.5 % cash back...all fine..
Aqua / New Day Ltd
Does anyone know anything about these jokers? For some reason they seem to think that their 49.9% APR should have me beating a path to their door! The thing is that my credit score is pretty healthy (I think) as I don't use my overdraft, pay my other credit cards off each month and so the only outstanding debt is my…
section 75 and used goods
Does section 75 cover the purchase of used goods? (for example, a used car or items from a second hand shop?)
Balance transfer-details missing?
I want to do a balance transfer but I cut up the card ages ago so that we wouldn't use it-have been accepted for a 0% card but although I have the card number I don't have the expiry date which it says they need-will they be able to do the transfer without it?
Lloyds/Halifax/BoS balance transfers query
Hi I've tried to find out the answer but can't get a definitive one. Quite simply can I transfer a balance on a Lloyds Bank credit card to either, or both, Halifax and Bank of Scotland? I'm just not sure who is part of who these days, and whether that means transfers are allowed or not. Thank you.
Barclaycard Fraud or Data Loss?
I received a call from Barclaycard today and the computer generated voice despite not being able to pronounce my name correctly told me that my card may have been compromised and that it was being cancelled and a new card issued which will be with me within 5 working days. As I wanted to know why I stayed on the line for a…
pre paid credit cards
hi, does anyone know of any car hire companies in the uk that will accept a pre paid credit card. we are looking to hire a car this weekend from luton airport thanks
0% purchase cards
Hi all , Although they say 0% 19mths etc , does that mean when I say spend £1000 after getting the card next week ,that it is 0% over the 19mths or do I need to pay back the full amount each month ? I'm getting confused as there are so many cards and choices out there ,thx A
payment didn't go through in shop
Hi, I recently went to a beauty shop to have treatment, offered payment with a debit card. The shop didn't have any paper in the machine so didn't get a receipt. I was not all that bothered. A few days later, the shop contacted me to let me know that the payment din't go through as their machine was not working on the day…
Should I close NatWest YourPoints to protect credit record?
Hi there I have 4 credit cards - none of which have outstanding balances on (I use them for a combination of rewards points and 0% purchase deals, and always pay off in full). They are: Amex Gold Tesco Clubcard Halifax Clarity NatWest Your Points I never ever use the NatWest YourPoints and simply have it because they give…

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Credit cards

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