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Flybe -Sigma Credit cards
Has anyone got experience of collecting Sigma credit card points and successfully using the "free flights" with Flybe. My experience so far has been very poor, with difficulty in booking any available flights, points can only be used by me, not used with/ by my wife accompanying me. The procedures appear to me to be just…
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Section 75 rejected by Finance Company... advice needed...
In summary we bought a kitchen which isn't finished, doors damaged, extremely poor installation etc and having chased the company over the last 4 months we haven't got anywhere, basically 'radio silence' from them. So we contacted the finance company under section 75. They have just rejected the claim because the order is…
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forgot about direct debit
I am trying to sort my finances so recently took advantage of a low interest rate offer on an old card which had a zero balance. I transferred and all was well, paid my first payment as soon as the statement issued. stupidly forgot that there was a direct debit set up on the credit card account, to come out of a bank…
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Prepaid Cards
Hi, does anyone know the best prepaid cards for australia, I've been browsing and browsing and am still no wiser.:o
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Pay remainder of car finance?
Hi all. i currently have £1000 left on car finance, which im paying £100 p/m on, the car is worth less and I doubt it will last me the time it takes to naturally pay off the finance. I have £1000 i could use to pay the car off, and use the car for part ex on a new car.. but im not too keen on the idea of "losing" a grand…
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Balance Transfer Silly Questions!
Sorry if this has all been covered before, I just want to make sure I've dotted all my t's and crossed all the i's before I do a balance transfer. I've got about £8000 on a Tesco 0% card which expires in August and am going to try and re-mortgage in Dec. I would be very grateful if anyone could answer my questions. 1. Am I…
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Credit Card at 17!
Hi, Sorry if this is the wrong place to post, but just after some advice. Aftert a conversation with a friend, I worked out that I was possibly given a credit card by a well known bank when I was 17. I went to visit that bank today and they confirmed that my credit card was taken out on the February, with myself turning 18…
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Advise on balance transfer needed
Good evening everyone, I was wondering if anyone could offer me any advice? The other day I received a letter from Halifax informing me that the interest rate on my clarity card would be increasing from 17.9% to 22.9% from June due to "changes in my credit rating", my balance on this card is currently around £4500 so…
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Minimum Payments on 0% Balance Transfer
Hello! Well I managed to transfer my debt just in time thank goodness..but now I am being asked for a £57 minimum payment on my Barclaycard for my first month. I think this may be the charge for the balance transfer fee but will I now expect minimum payments each month on this even though it is a % card? I paid a minimum…
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Non sterling transaction fees/euro transaction from home
I've recently used my barclay MasterCard to pay for hotel and transfers for a holiday, even though I've paid from the uk the charges are in €. My question is, rather than pay the non sterling transaction fee or suffer the poorer exchange rate can I not go into the bank and pay 170€ cash off my statement for a 170€…
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Would I be Accepted for a Barclaycard if I had problems with them in the Past ?
In about 2003 I lost my job and struggled to pay my debts, I paid what I could but Egg (Later to be Barclaycard) sold my debt on to a collection agency and defaulted me. I have now paid all my debts and my defaults have gone, I actually now bank with barclays and have a full current account with them with a proper ofline…
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Creation credit card cash withdrawls
I have signed up for a Creation everyday credit card but have not used it yet. I have always just used a debit card abroad so am new to the idea of using credit whilst away. My question is if get cash out abroad and then the next day use the card in a shop for example will i be charged interest on the cash until i clear…
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Section 75 for Credit Card Purchase through ebay?
Hi, Wondering if someone could help me? I purchased some shoes online and paid by Credit Card through PayPal. The total purchase price was £107.31. I cancelled the order before dispatch and then had to chase the company for the refund. They have refunded me (not actually got the money yet) £105.07, and say the other £2.24…
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Credit card advice for dummies
I'm thinking about getting one simply to boost my credit score in order to get a decent mortgage next year. Am I right in thinking that if I were to purchase my fuel or groceries on a credit card every month, I could then pay it off in full at the end of the month without paying any interest? Any recommendations of a good…
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interest free period - priority of payments
Ok so I got a tesco bank credit card and moved a balance to it to take advantage of the interest free period, I also want to use the card for my food shopping due to the clubcard bonuses. So what happens in the following scenario (example figures). Balance transferred £1000 Money spent on food £50 so £50 purchase balance I…
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unused credit cards?
Hi i have 3 credit cards all with a 0 balance. I have £15000 available to me if I need it. Recently my credit rating has dropped, could having these cards open but currently not used cause my credit rating to fall. Also would reducing my credit limit on these cards help my credit rating? Thanks Keith
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Vanquis
I applied for a Vanquis card yesterday they called me this morning and basically asked the same questions I filled in online and then said they would call me back is this normal or do you think I've not been accepted i thought they would have told me then and there they didn't even say how long it would be to call me back
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Section 75 Rights/Refund
I wondered if anyone could help me. I purchased a laptop from a company called laptop outlet and used my Tesco credit card. It arrived on 6th January and within three weeks I noticed it was very slow. I went to switch it on one day and after sign on the whole screen was black. I googled this series of laptops and a lot of…
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CC Balance transfer.
Is there a set amount of time that you need to have money on your CC before you can transfer it to another card?
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What card would I get?
Have recently moved house with a large mortgage (4 months ago) on my own and could do with a credit card to get bits done. I had several cards previously and closed them all down in July last year to have a clear record for applying for the extra money on my mortgage for the move. I earn what I consider a good salary and…
