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Next account and CC
We have a Next account that we use mainly for their VIP incentives. It took a bit of a battering when we had a wedding to attend and needed outfits for 4. Think the balance is around £250-£270. Should I pay it off with my 0% credit card or just leave the balance on there? Is having all 'debt' in one place better if…
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What is credit card 'loading'?
Just wanted to check my understanding, as I'm looking to get a different credit card for abroad as my current HSBC one charges for pretty much all usage (as I as have several city breaks lined up next year, where I typically make small payments, the charges start to add up!) I've read on MSE about the Halifax Clarity card…
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Paying bills with a credit card?
Can you pay bills with a credit card? If so does it count as purchases or as cash advance? Also is this the same for all card providers? Specifically I want to pay an online catalogue bill not because I am struggling to meet repayments but because I have had customer relations issues and would like to sever ties with them…
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Credit card for Australia
Travelling to Australia in February, Can anyone recommend a cheap easy hassle free c/c. Would be paying off any debits quite quickly. Can you also explain pre-payment cards, are these better ?
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Moving back to an address that you lived for 20 years-does it effect application?
I recently moved back to an address that I lived for 20 years..I lived somewhere else for just 1 month...When applying for a credit do they only take into consideration in how long you lived at the address you moved back to "or" the fact they you lived there for 20 years but only moved out for 1 month.
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Does a small incorrect spelling of surname really stop you from getting credit?
This is something I don't understand. I was told as long as the date of birth, address and other information is accurate then a typo error of just 1 letter of a surname does not make a difference when applying for a credit card and getting credit checked...Now I keep being told that a error of even 1 letter of a surname…
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Minimum Payments/Lump Sum
I'm selling my house and plan to down-size, so I should end up with cash at the end of the process. I have CC debts and wondered if a transfer to a 0% interest deal might help. My intention would be to pay the transfer fee, then the minimum amount each month until I sell the house. At that point, I would then pay off the…
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Can you still be credit checked as same person if there is typo of your surname?
Hello everybody. I have a question. If a surname has 1 different letter on a credit card application then your bank account does it make any difference when they process the applicaton? my name on the electoral role for instance is different then my name on my current bank account, instead of A its E, in a surname......Now…
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Getting round CC fees
Sorry if this has been asked before, I dont generally use this forum . Im after double glazing , and as advised on MSE , Im wanting to use my CC to give added protection in case the small local firm Ive chosen, go bust etc Would it work and am I being unreasonable if I ask the retailer to allow me to pay £30 on my CC (to…
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M and S credit card incentive
I recently applied for a marks and spencers credit card(as advertised on MSE)as it offered a £30 gift card if you applied via this site.I have received the card and pin but I don't remember what the small print was about what you had to do to get the vouchher. I believe you have to buy anything in M and S by a particular…
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Fraud or not?
Hope this section is correct. A family member who is in a care home has a credit card with large amount of funds, one of her siblings has requested from the bank to set up an online account for what they say is "paying off debts" this family member has been known to "borrow" money before from the person in care (before she…
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Double Charged Pay-at-Pump.
I had a few issues at a laggy/defective Tesco pump terminal today. Just checked online banking and there are 2 pending transactions when there should only be one. Its likely that I've paid for the person before me aswell as for my own fuel. Has this happened to any of you good people? I've sent Santander a secure message…
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Theft?
I need some advice here. Firstly when you use your credit card in a shop I assume the communication is directly with your bank immediately and certainly on the same day. Secondly is it possible for someone else to access your account using the same method but without the card, just the number? The reason I ask and I am…
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I want a Maestro Card
Best place to get one . What are my options ?
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Can banks still ask for ID/address even if your on the electoral roll?
Am just curious as I've been given a Capital One card, and also been approved in principle for a Nationwide credit card..Nationwide are asking for ID and proof of address, so can this mean am still on the electoral roll? even if I was not can I still be offered a card from Nationwide as they did say they are only asking…
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Barclaycard affecting my credit score
Hi, Barclaycard have spelt my address wrongly and I haven't been receiving my statements. Also not received them because we have terrible postal service with letters going to other addresses regularly. They tell me that I should have paid without needing a statement. They also told me ages ago that I could not set up a DD…
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Can you still be on the electoral roll lon credit file and be able to vote
Ok I called in my local council and she said our details, but said you need to show national insurance number to register because of an change/update on their system...Am assuming am still on the electoral roll right considering I didn't ask to be taken off or anything. Can it still be shown your on the electoral…
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How can i tell how much my credit limit will be?
I currently have 4k outstanding on my current credit card on which my 0% interest period has just ran out. I want to take a new 0% card and transfer my 4k balance to that. Problem is when applying for a new card will it show what the credit limit will be during the applying stage? I don't want to be in a position where the…
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When Nationwide ask for ID for fraud checks has it anything to do with electoral roll
Ok so I bank with Nationwide i.e flex account...Recently applied for credit card, got approved in Principle..Was asked to show ID such as passport, and now proof of address...They claim it's for fraud checks..Does that include checking if your registered on the electoral roll? or even if your on the electoral roll do they…
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When does it show on your credit file that your off the electoral roll?
Say for example your off the electorol roll from 1st November. When it will show on the credit agencies that your not on? I heard it takes about 6 weeks to update the credit files? also if you re-register on the electoral roll only few weeks after coming off it then will appear on the credit files straight away? as you…
