-
Problems for additional card holder (Tesco)
I recently applied for a Tesco credit card and was accepted. However, I'm having trouble adding my partner as an additional card holder. We've lived together since 1989, moved to our current address in 2009 and both of us have been on the electoral register since 1988 yet Tesco insist on extra documents being sent to…
-
Limits for 0% purchase cards
My wife and I are in the process of buying a home which we'd like to do some basic redecorating/improvement in (mostly painting, probably new floor, possibly new carpets). We'll have just over 10k in savings set aside for doing this. I'm considering opening a 0% purchase CC once we have keys and using that for as much of…
-
New job in 2 months, can I use that salary when applying?
Hello everyone, My fiancee and I are moving to a new rented flat in the coming months. Currently she works part time in retail and it is difficult for her to get a line of credit. I have accepted an offer of employment starting in September and the first time I will be paid for working is in October. I have just graduated…
-
Section 75 (Does £100 include p+p?)
Just a quick question. My dear mother has been caught up by the Stemalogica scam... the item cost £97ish plus £4 postage and packing. I assume that the cost of the item being under £100 is on purpose to get out of the section 75 claims. my question is, if the total cost is over £100 including p+p would we be able to invoke…
-
Using a Credit Card Abroad
We've off to Spain in a couple of weeks and we're hiring a car when we're out there. Which card is best for paying for this? I'll be taking Euros and also a Halifax Clarity card to use for with drawing cash from an ATM. Is it best to use the Clarity card and pay in euro's or use another credit or debit card? Other cards…
-
Delivery of MBNA credit card -- signature required, problems...
About three weeks ago I successfully applied for an MBNA credit card, but I never received it. I phoned them today to ask where it was, and they said that because I live in London (although why only London wasn't explained -- maybe it has more flats with shared mail areas, and higher fraud rates?) they require the postman…
-
Halifax clarity processing times
I applied online for a Halifax Clarity credit card a fortnight ago now but haven't heard anything yet. The application page says if successful the card should arrive within 7 days. However, I have a niggling doubt that my application might not have been submitted properly - when I pressed the submit button I didn't receive…
-
MBNA Credit Card, worth it?
Hello Guys My mum just went through the eligibility check for an MBNA card. Their system came back with this: It states that they couldn't provide us with our first choice, but they can offer the above! Is this a good card to have? What is this handling fee? and that stuff about 23.9% pa! We were planning on using this to…
-
Additional cardholder: different card number
I've just given up using my Capital One (formerly 1% cashback) card, and I've started using my M&S credit card (0.5% back in M&S vouchers) instead for most spending. However, I've got a problem. On the old card, I sometimes used to buy goods (e.g. clothes) which my wife would then return to the shop under their returns…
-
Tesco CC online not working?
Have just noticed if you go back 3 or 4 months it says no transactions available....I wish!! IT does give the summary of purchases and payments up at the top, but no breakdown of specific transactions. Or is it just me? sk56
-
Vanquis CC - balance transfer OUT
Hi, Decided to take advantage of my new Tesco Balance Transfer CC and transfer the remainder of my Vanquis credit limit out to it. I balance transferred my Natwest CC to it and that has gone through but the Vanquis one hasn't (2 working days have passed and Tesco state that is the usual lead time). I've googled a bit and…
-
Amex transfer
Hi all, Does anyone know which credit card transfer a balance from AMEX? I have the gold account with the card number starting with 3 and 15 numbers long. Santander said they only do the Amex that is a MasterCard starting with 5. Any help would be appreciated.
-
American Express asking for credit card number before I can login
Hi, Just wondered if anyone else has had problems logging into the American Express site? I can login but it takes me straight to a page that looks like a credit card asking me to fill in my credit card number and security code. I don't really want to enter them online.... The site has the secure padlock thing next to the…
-
Credit card newbie
Hi guys I have been looking at the 123 credit card and work out that I can cream a tidy £40 a year after the £24 a year charge (from year 2 as year 1 will be free for me as a 123 user). plus the TCB I can get for opening the account Having never had a credit card before as I hate debt, I'm unsure on how things work (will…
-
Money transfer to pay off purchases?
I have a Barclaycard with around £1000 of purchases on it at the standard rate of 20-odd percent. They are offering me a money transfer at 0% for 18 months with a 3.9% fee. My credit limit on the card is £3000. Is there any reason not to do a money transfer of £1000 from the card to my bank account, and then pay £1000 to…
-
Used Eligibility checker but confused and can't take a chance getting rejected!
Hi all, I wonder if you could please help me. I have used the eligibility checker and am thinking of 0% with either M&S (19 months) or Virgin (24 months) but am confused because it says on the checker that they are "ranked in order of likelihood of acceptance" but several of them are the same percentage - so if the M&S and…
-
Should I close down my unused credit card?
Hi, I've recently balance transferred from Barclaycard to Capital One, is it advised that I now close down the Barclaycard account? As i'm aware that multiple open accounts can have a negative affect on your credit score. Thanks
-
Unpaid Bills. Not my problem?
A relatives daughter with a *history of poor financial management left home to work abroad about 6 months ago. * she'd get into bother but sort things out on way or another when her in the UK. Now she's the other side of the world she's left behind her a string of card debts. She is aware of the torrent of red letters and…
-
Balance transfer on 8000
I am looking to transfer a credit card balance of about 8000 but have just applied for one and was accepted but they only had a credit limit of 2500, are there any cards that will offer me the full balance. If not does anyone know of any way I can get a 0% interest deal otherwise? Thanks
-
Nationwide Refusing to Shut Down Account
I've been trying to close my credit card account with Nationwide since the end of April and they have been giving me the run around. I've now reported them to the FOS. The long and short of the story is they stopped my credit card as part of their fraud protection measures but instead of allowing the purchase when I…
