Credit cards

Archives for March 2015

Credit Card Advice/Help Please
Hi I am new to this site, so sorry if I'm in the wrong area. I currently have three credit cards as follows, Virgin £8,100 debt Tesco £3,900 debt Barclay card - 8,050 debt None of which are interest free. I have been paying the minimum for a long time but getting nowhere. I also have two bank loans which are slowly going…
M&S Refunds
Hello Has anyone had any difficulties or unusual experiences when returning items to M&S for a refund, even when they have the original receipt? Yesterday my husband and I purchased a suit and shirt from M&S to go to a wedding. The store was very busy and my husband wasn't prepared to face the queues to try them on. We…
Average credit rating - Which 0% Card is best?
Hi all. My friend (I know what you'll think) has nearly three thousand pounds on a credit card but it isn't a 0% one. He has a decent credit record apart from he missed two payments 12 months ago. Please can I ask for some advice as to which card he should apply for in order to get a 0% deal to transfer the balance. I just…
Best rewards card?
What's the best rewards card for me? Looking to get the most back for the usual regular spends for food shopping, petrol etc. I'm not loyal to any particular store or petrol brand as I shop around for bargains! Ideally looking to make the most I can claim back in either cash or vouchers to spend at popular places - Amazon,…
Old credit card debts
I had credit card debt from barclays and natWest 2004 £1500 each. From that date to today they agreed that I only paid £1.50 each per month, barclays was sold to Westcott. I want to move on with my life and possible buy a house, I have moved several times, what should I do keep paying or cancel, I've had no contact with…
Money transfer to acct question, please help...??
Hi, I have just got a new MBNA Credit Card in which one of the benefits is to have a Money Transfer into my bank account at a low rate if i do it within the first 60 days. But i really need to know from someone in the know, at the end of this year i am looking to get a mortgage on a property. And i am unsure if this will…
Barclaycard - How many can you have?
I understood that you could only hold 2 Barclaycards - 1 x Freedom Rewards & 1 x Platinum. While looking round for decent BT cards the BC Platinum popped up with the 36 month 0% offer. Ever curious I went onto their pre eligibility checker. The first question asked me if I already held a BC then a further question asked…
First Direct Credit Card
Hi, My brother recently opened up First Direct 1st Account. He just received his debit card etc last week. He applied for FD Credit card through his internet banking. They just asked for credit limit required. At the end it said "Your application has been accepted" subjected to our eligibility checks and forms will be sent…
Very
hi guys ive a VERY account ,which ive had couple years ,never missed a payment etc but today i reslised i stupidly forgot to pay it :mad: it was due on 27th and paid today 29th and also set up direct debit which i should have done b4 like i do with my credit cards my credit file is in great nick and wondering if ive ruin…
Can I challenge this late payment charge?
I recently opened a new credit card with Lloyds, I was paying interest on my previous account and this new one had a 0% interest period. I opened the account in February and transferred my balance. I was fairly sure I'd set up a direct debit payment - why wouldn't I? But I have been very busy lately so I was a bit shocked…
List of lenders that offer 'soft searches'
I've used MSE's 'eligibility checker' tool along with similar tools from various comparison sites [all, it appears, powered by HD Decisions]. There are some lenders who offer a 'soft credit check' service directly from their own website [see list below] but I was wondering if anyone knows of any more lenders offer this…
Interest free card
I have a debt on an 0% card £2100. The interest if free on purchases for 19 months, I took it out in September. Should I cash in an ISA and pay it off now or pay it off slowly. I do not intend to purchase anything on it again. I would really like to get rid of it as I don't wish to spend anything more on it. I am with…
credit card
I'm going abroad soon i need to rent a car but i dont have credit card i never had one before,i need one is just to rent cars abroad that is it any one have any idea what should i do?
£1 credit limit with halifax transfer card
This week I applied for a balance transfer card for which I was accepted. Unfortunately it showed a £1 credit limit, I was quite shocked as I hadn't had any problems over the years with my credit file. I then checked to see if it was the 1st of April and it wasn't. I assumed it was a computer error especially when I later…
Barclaycard balance transfer one card more than once
Hi, I have just completed an balance transfer onto my Barclaycard - however my Argos card is not recognised - this is due to Argos use an 15 number not the industry standard 16. Anyway, my intention is the first balance transfer has completed, pay off the Argos card with my original credit card - and then complete an new…
Limit on balance transfer
I have a Capital One credit card with a credit limit of £3000 which I have currently used up to £2800. I am on a low income with high interest rate so the way I got such a high limit (for someone in my position) as I have been making payments regulary each month for a few years. I would like to transfer the whole balance…
Section 75 protection on faulty tv purchased from Comet
I purchased a Samsung Tv approx. 3 years ago from Comet which has now developed a fault. I came across a thread on AVforums with a lot of people with the same problem(translucent black bar across the top of the screen) and a few mentioned they have had it repaired by Currys under the Sales of Goods Act. As Comet are no…
Should I close my higher limit CC when I get a new one
Hi, I have decided to apply for a Santander 123 CC due to the cash back on petrol it offers. I have a Barclaycard Platinum card with a £7100 limit on it, I rarely have more than £200-£500 debt on it, Barclays just kept upping the limit as i am a good customer, not because i requested or needed it The Santander CC averages…
Halifax Clarity Card
Daft question time... Does it actually say the word 'Clarity' on it?
plumber overcharged me and landlord and credit cards company ignored me
I am renting this flat in london and in september I have been ripped off by an emergency plumbing company who helped me with a neglected (by the landlord) leak from the ceiling of my bathroom that in one week (while i was away) it transformed in a flood. to make it short the landlord won't refund me all the money because…

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MSE News

Barclaycard's cutting minimum repayments – you could be in debt YEARS longer paying DOUBLE the interest
If you've got debt on a Barclaycard, it's likely the minimum you have to repay each month will be cut from July. If you're unaware, and don't act, you could stay in debt for many years longer and pay possibly £1,000s more in interest.
NatWest, RBS and Ulster Bank to close at least 100 branches in 2024/25 – here's the full list, plus alternatives
NatWest, Royal Bank of Scotland (RBS) and Ulster Bank, which are all part of the NatWest Group, will shut at least 100 of their bank branches in 2024/25, after RBS announced a further 18 closures.
Co-op Bank customer? You could be moved to Coventry Building Society in future – here's what's happening
The building society has today agreed to a potential takeover of the high street bank – though it's still very early days and the deal needs regulatory approval.
Got a text, email or letter from the Met Police? Don't ignore it – you may need to act to protect yourself from scams
If you got a text message or email from the Metropolitan Police between 4pm and 6pm on Wednesday 17 April – or you get a letter in the next few days – don't ignore it.
Save up to £1 on your takeaway coffee – while saving the planet
Many of us regularly reach for a cup of coffee or tea to give us a caffeine boost, but if you’re out and about and can't bring a thermos from home, the cost of this can quickly mount up.
Chase customer? Check if you can get its boosted 5.1% easy-access saver
If you have a Chase current account, you may be able to get a table-topping 5.1% easy-access savings rate to go with it, as the bank has launched a new, temporary bonus offer for some existing customers.
New online state pension boosting tool promised to Martin Lewis hit by delays – here's what you need to know
The tool was first promised to MoneySavingExpert.com founder Martin Lewis on ITV's The Martin Lewis Money Show Live last summer and was expected to launch before the end of the 2023/24 financial year.
Spotify to hike prices by up to £24 a year – here's what's happening
If you've got a Spotify Individual, Duo or Family account you'll see prices rise by up to £2 a month (equivalent to £24 a year) in a month's time, the music streaming service has announced.
Subway customer? You've got until 14 May to use your loyalty scheme points before shake-up – here's what's happening
If you're a Subway Rewards member, you have until the end of Tuesday 14 May to spend any points you've built up – or lose them entirely.

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