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Unauthorised transactions
I thought I was doing reasonably well with my finances until I decided to log into my accounts online and have a detailed look with the view of paying off a good chunk of debt from my credit card. I was shocked when I saw that my debt was not £1500 as expected but over my limit at £6580. I looked at all the transactions…
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Neo credit card by vanquis
Has anybody got one of these cards and if so are they any good. I can't find a lot of information on it. Any help would be appreciated.
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For those of you who pay off in full each month
...when do you 'pay' your credit card? So, if you're somebody who does all your household shopping on a credit card and then pays it off, in full, the following month, which month's paypacket do you allocate to paying the card? The month you're spending in, or next months? Err... or another way... say you used your CC for…
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Is having no credit card bad for credit?
In the past, I've been in some tricky situations using credit cards, so at the moment the only debt I have is a mortgage. However, I'm slightly concerned that not using a credit card is probably not good, either. While I technically have an HSBC Gold Card, I don't use it. Should I cancel it? I have no idea whether I'm…
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Final Settlement for Credit Card with Default
Hi everyone. As you'll probably see, this is my first post, but have been lurking around here for many months. Firstly, I'd like to thank everyone for the help I've picked up on here, and have successfully managed to complete a PPI claim on an old RBS loan, to the value of £4,300. My financial status isn't great - I have a…
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Advice re credit card claim please
Hi, I'm hoping to get some advice for my daughter from all you knowledgeable peeps! She is currently travelling in Asia and had purchased a flight(on her Barclays credit card) from Bangkok to Nepal before the terrible earthquakes took place there. She has checked via the British Embassy website which states that all…
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Barclaycard bt for existing customer
I have a Barclaycard (migrated from Egg) and have recently had notification of a limit increase which will take effect on 4th August. Does anyone know if I'm likely to be offered a balance transfer deal at the same time? I phoned and asked but all they could tell me was that they are offered from time to time. I had quite…
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Santander CC vs. Costo PFS?
Hey guys, So originally I was looking at a Santander 123 CC to purchase petrol, and then stooze the money into a regular savings account (First Direct 6%) to be paid off at the end of the term.... however I already own a Costco membership and their diesel is currently 6p cheaper per litre than the cheapest nearby Tesco…
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Foreign spend conversion rate date
Hi, Can anyone confirm if the rate used when making a purchase on a credit card in a foreign currency is the rate at that exact time of transaction or the rate when it clears which I've seen take over 72hours in some instances? Thanks in advance.
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Card Fraud
Hello, I may have posted in the wrong area so I apologies if so. Basically last week I noticed a large sum of money coming out of my bank when I looked at my online banking. I check my mobile banking app pretty much every day to keep an eye on bills so I knew something was suspicious straight away. I couldn't work out what…
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Virgin Credit card application delay
I applied for their new credit card 7 days ago and was advised it would take up to 5 working days. In speaking with them today, they are now running at about 10 working days or more to process applications. Has anyone else had the same experience?
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what should my next move be?
Ok so heres my current financila situation, and ideas on what my next move should be? Natwest Master Card (Platinum Card) Available = £2700 Banance = 0.00 * this is a long over used platinum card 15.9% (i have recently cleared the balance) Natwest Current Account (Overdraft) Available £3300 Balance = - £1000 * overdraft…
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Not covered by credit card protection??
Hi, Hope you can help. I spent £109 on an emergency call out with Homeserve after my bathroom was flooded. Their engineer came out and claimed there was no leak but that water was probably leaking through the bathroom seal when I was showering. I took no more showers in my bathroom but the flooding got worse. I called out…
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Barclaycard Duo Cashback Card
Hi guys, I currently have a Barclaycard Initial, and asked to be upgraded to the Duo Cashback card at the beginning of July. The adviser said that would be fine, but wouldn't happen until my next statement date (which is around the 24th of each month). I received a letter around the 3rd July saying that my switch was…
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Credit score - which card to close?
Hello, I'm a long-time lurker on MSE but this is my first post… I have just checked my credit score on Experian and it comes out at 984 out of 999 which is good. The only point counting against me is that I have "no settled non-mail order credit accounts". I have two credit cards which I pay off in full each month. The…
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Balance transfer
Hi I've been offered a good transfer rate from my barclaycard so I have transferered the balance from my Debenhams storecard to my barclaycard. The money came out of the barclaycard on 14th July but it's not showing on Debenhams account. Any ideas why or is this normal thanks
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Credit card....balance transfer
Wondering... I have been offered a 30 month balance transfer from halifax.... Can i transfer into a. Prepaid currency card ?
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What to do? Balance transfer and close accounts?
Hi, I'm wondering if anyone can help with the following.. I've two Barclaycard's (one an old Egg account). Both these are accounts currently are down as closed due to them increasing the APR a few years back but I'm still paying interest at 16% APR. I'm wondering if it's best to transfer the balances of combined roughly…
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Credit Card Protection Question
Hi all, Were in the market to buy a sofa and are about to take the store up on their 4 years 0% offer. They wouldn't knock anything off the price regardless of how we paid so why not. If i paid say £200 on my credit card and then took the remaining balance on 0% finance would i be protected in full by the credit card…
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Section 75 Query
Hi I currently have a Barclaycard which I was intending to shut a couple of weeks ago as it was at a high interest rate and also small limit. However when calling to close, the retentions team put in on 0% for 12 months and also upped the limit to something more useful. I am using an inheritance in the new year to pay for…
