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balance transfer needed but unemployed.
barclaycard near its limit of £800 but im unemployed didnt expect to be out so long,can i get a balance transfer in this situation.I bank with the coop.
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Suspicious card
My partner's ex wife left home over 6 years ago. We have recently had some mail addressed to her which contains what feels like a credit card. The return address is P.O Box 9134 , 51 Saffron Road Leicester LE18 9DH. Apparently she has a very poor credit rating and is in financial difficulty. The only other mail that has…
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Have Halifax ripped me off?
Hi everyone I thought I was quite numerate but Halifax have confused me. I took out a Halifax card about a year ago with a 0% balance transfer offer for 28 months. Transferred about £2000. Then about six months ago they increased my credit limit and offered me another balance transfer offer which was 0% until April 2015. I…
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transferring mastercard to mastercard
I was wondering if I can transfer from my mastercard to another mastercard if its offered by a different company. Can anyone answer this question for me
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Tesco card options for holidays?
We have used our Tesco card points to save on our holidays but the ratio of conversion is getting worse it seems each year. Last year we ran near 40k through the card and are frankly disappointed with the "yield" in holiday discounts. We are open to suggestions as to how to do better? PH
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Monthly payment on balance transfer?
I have applied for a new credit card for a balance transfer. Successfully accepted etc. I am just wondering if I will still need to pay the monthly payment on my existing card even if the balance is transferred before? My payment is due on the 9th with my existing provider, and I was accepted on the 1st for my new card.…
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" Credit cards
Hi guys I have 2 credit cards with different banks for £5000,00 I pay about £125,00 per month in interests only. Had a balance transfer of £600,00 and then I used it again so I still have £5000.00 in total owing. How can I reduce the amount owing as its eroding my income. Help guys. Ta dude44
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Is signing back of card necessary?
Can anybody help me on this!
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What's next for me? Journey to a good credit history
Hi all, I am a 20 year old who wants to have a good credit history so I can apply for a mortgage in not that far a future. I am wondering what I should do next regarding my credit cards and how I should use them. So far I've got: Barclaycard Freedom Rewards (over 1 year now). £500 limit HSBC Student Credit Card (5 months)…
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Should I transfer other 2 CDs onto 1, do you think this would save me money
Hi there, I'm a bit confused I have 3 CCs of varying amounts however 1 lender has increased my limit to £4000 and I'm thinking of transferring my other 2 onto this and then cancelling them. If I only have 1 credit card and the other two have been finalised would this boost my credit rating? Ideally if so I will be able to…
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Money Transfer from HSBC Credit Card
Hi, I'm looking for a clever (cheap) way of transferring cash from my HSBC credit card to my current account. I want to avoid charges associated with cash withdrawal, say from an ATM. I only need the cash short term (60 days). One idea I came up with is to buy goods from a friend via Paypal using my Credit Card. Transfer…
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Credit card and flight delay
I have 2 claims against TAP Portugal One for 24 hour delay for technical problems and a second for cancelling a flight They acknowledged the claims but nothing since. My case has been taken up by UK European Consumer Centre but TAP do not reply to them either They have referred my case to the Portuguese regulator. My…
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Chances of getting Amex Platinum Cashback Everyday?
So my Experian credit score right now is a supposedly "Excellent" 968. I currently earn £27000 a year and have £3200 available credit with 3% usage. I'm never overdrawn. My credit report lists 5 positive factors with the only negative factor being that I have no settled credit accounts. The only credit searches showing up…
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Advice on keeping my credit rating high
ok guys, I've only just got to the position where I have a favourable credit rating. I obviously want to keep it this way. I have 4 CC's Card, Limit, balance, account open for Vanquis, £3000, £0, 60 months Luma, £2750, £0, 30 months Aqua, £1500, £0, 10 months Barclays 0%BT, £8000, £5200, 1 month As you can see, I've just…
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NatWest Credit Card - Available balance doesn't update instantly
I've recently opened a NatWest CashBack Credit Card, however I've noticed the available balance doesn't update instantly, like all other credit cards I've had. Is this normal for NatWest, or is there a problem with my internet banking/mobile app?
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Paying Credit Card by Standing Order or Direct Debit?
Hey, Im writing to understand if its best to pay a credit card off by standing order or direct debit. I get billed every 15th of the month where an amount (including interest and min payment) is taken from my current account. I want to be able to pay 60 a month onto the card to eventually pay it off, however I'm worried if…
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Santander Credit Card application - how long
Does anyone know how long Santander are currently taking to process credit card applications? I applied last Sunday, had an email saying 3 days but have not heard anything...
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help please,re cancelling gym membership
Hello all,new here. As title suggest,my daughter has gym membership which expired yesterday 31-1-2015.She went to tell the gym that she will not be renewing her membership,and they are saying in the small print in her contract she has to pay a 3 month notice period.Basically a realease clause.Now im under the impression…
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Chargeback (Leather Sofa World now comitting fraud)
Hi, I was given some excellent advice by the contributors and received £564 back from the above company via Chargeback. The company is now challenging this with me, by actually saying I was delivered this Sofa by them, and they have sent me a copy of the delivery note. Firstly I never received any Sofa from them and I feel…
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What's a bad search?
Hope I'm posting in the right place. I currently have a Noddle account that I check every month. I know a lot of searches count against you and I also know that there are good searches (soft searches, comparison site quotes - that lenders can't see) and bad searches (like when applying for actual credit.) I'm unsure as to…
