Credit cards

Archives for February 2015

Annual Credit Card Statements
Hi Does anyone know if credit card providers have to send out annual credit card statements or is it optional? Thanks :-)
0% Balance transfer Question
Hi, i have what is probably a really silly question! I am trying to sort out mine and hubby's finances after a few difficult years, after looking on here for advice i did a soft search for balance transfer cards and saw Barclay Card 0% for 35 months, didnt think id get one but i did. Now its all come through and the credit…
Card surcharge - cashless society?
Just been to the shops and wanted to pay for something for £2.50 with a debit card (note-not credit). I was informed there was a 50p charge for purchases under £5 for all card transactions. Is this right? I thought debit didn't attract a charge? Given we are being told to ditch cash for cards is this a sign that the…
Charges more the minimum payment - can they do that?
My fella spent over over his credit limit so he has around £1300 on a card where the limit was £1200 Each month they charge him £22 interest and £12 for being over the limit, so the total charges are £34. The minimum payment (paid by direct debit) is £30, so he'll never repay it!! Now I know he's daft for not paying more…
Help with allocation of payments
Hi. My OH has a Barclaycard with a balance of £3000. £1000 of this is on 0% due to end soon. The other £2000 is on 0% not due to end until next year. If I pay £1000 to my card will they allocate this against the 0% rate that is about to end or do I need to ring them? Thanks
New to Credit Cards
Ok I am brand new to Credit Cards, never had one before in my life, never been accepted for one either. I tried a couple times when I was younger and always got declined (even with Vanquis). I can't truly understand why I've been accepted for one now (with Vanquis) , I was discharged from a DRO in August 2012. Yea I messed…
Chances of getting a credit card?
I have just moved back to England after living abroad for 7 years. I would like to get a credit card, basically so i can pay for my wife and childrens flights from where i used to live to come to England. I am unemployed at the moment, but not for the want of trying (whole different story). What is the likelihood of me…
Which 0% credit card now?
Just noticed my 0% Barclaycard has ran out and I've been charged interest for the first time, so time to move to something else and do a balance transfer. It can't be with halifax, as I already have a credit card with them (it's not 0% anymore either so has nothing on it). Which is the next best? Or is it possible if I…
claiming on credit card for stolen goods
This is my first post, so sorry if it's in the wrong place. Can anyone tell me if I'm right in thinking that if goods purchased on a credit card are stolen within 90 of purchase, then you can claim against your card. The item in question was £180.
Barclaycard Balance Transfer
Good evening, applied for the above card and the automated response informed me I had been been approved. I then received a message informing me that the site was having technical problems and that they would be in touch within 5 days. Does this mean that I have not been accepted. Many thanks
Claim to offer credit cards to people new to UK, then ask 3 years address history
If I search google for "credit card new to uk" aqua, vanquis and luma all show up because their websites claim they are out to help people new to the UK to build a credit history But when I try to sign up I can't complete the application because I have only been in the UK for 6 months and it won't let me put my previous…
M&S 0% Purchases Card - With £30 Voucher?
Advertised on MoneySavingExpert is an M&S credit card. (Afraid I can't post the link as I'm a new user) It has 19 months of 0% on purchases, and MSE claims you receive a £30 Food and Drink voucher upon using your card. I've signed up for this deal, but the £30 voucher isn't mentioned on any of the M&S correspondence or…
Ppi clams
In 2012 I claimed through a claim co I had four cards they claimed on three the last one barclaycard they Could not get a refund on ppi. That was in 2012 then on the 25/2/15 barclaycard wrote to me saying I was in tilted to the ppi Then to day I received a letter from the claim co with the same letter barclaycard asking…
The BT higher than existing balance. Problem ???
Dear All Just want to try to explore this loophole …… After doing BT by myself from Card A (existing balance) to Card B (new CC to be transferred to) I just noticed that I could ask the BT even higher than my existing Balance in Card A. Leaving the Credit card A in credit (positive balance) without being detected and…
Credit card interest slashed thanks
I was on 28.9 % with Barclaycard plucked up courage to call and ask for a better deal to clear debt and was given 6.9% for 2 years ,so happy thank you Martin.
Anyone else apply for and have M&S Card with £30 incentive declined?
I applied for the above card after seeing it advertised on MSE. My application was declined despite a 90% assurance of approval. I have no outstanding debts, am registered on the electoral roll and have rented the property in which I reside for the last eight years. I have NEVER before had a card application refused. Has…
New Virgin Credit Cards
Virgin has released new credit cards. Cannot see if they are issued by MBNA now. BT Card - 36 months 0% 3.49% fee BT Card - 26 months 0% 1.25% fee All round card - 18 months purchases & 14 month BT I have checked their credit card section afew days ago and nothing was showing at that time.…
Help and advice please
If I have a credit card can I transfer some of the money to my bank account to pay a loan off and will they charge me for it the loan is with tsb
I need some advice please
I have a £15,000.00 hire purchase agreement which carries a hefty interest rate and would like transfer the debt onto a credit card. Any advice in this respect please?
Late charges for missing "payment window" with Natwest CC
Hi all, I'm new here. Last year I spotted four late payment charges on my Natwest credit card statement despite paying my credit card on payday as I always have. I called them and they explained that their new "payment window", a range of dates each month within which the payment must be received, was missed and therefore…

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