-
Santander charged interest on my credit card
I'm fuming :mad: I knew that my 18 month 0% interest free deal on my Santander credit card was coming to an end shortly. In my October statement, the estimated interest was clearly shown as 0% and the direct debit payment set to a minimum. I have now received my November statement and have been charged interest to the tune…
-
Can I Pay Daily Bills on Amex
Hi, Struggling to find any UK info on this... Can you pay direct debits/automatic payments using Amex? I want to use my Amex as much as possible to get as many rewards as possible (seems silly not to take advantage)! So can I set up things like my car finance to be paid by my Amex, phone contract etc etc... Then just pay…
-
Should I close Capital One Card?
Hi, I have had a Capital One card for a number of years, with a limit of £2.6k. I am sorting out my finances after years of overspend and I am just about to repay the final few hundred off this card and want to know if people think it is best to close the card or leave it open? If I leave it open it will show I have access…
-
Catalogue Interest
It's actually a catalogue not a credit card but still the same premise I think My credit limit is 1400. I'm at 1368 Minimum payment is £75 interest is 40% from what I've read. Does this mean 60% of what I pay only comes off my balance and the rest is interest. If I was to pay £75 a month how long before it clears at that…
-
Help!
Hi, My partner has a ccj that clears in January 2016 so has a poor credit rate history. In the mean time he has run up a £2000+ debt in credit cards as his job didn't pay him enough to live when he was on a 0 hours contract. He is now on a 60% contract but can only afford to pay the minimum and the high interest just keeps…
-
Cap One/Fredrickson + other debts. What to do do next?
Have a defaulted credit card account with Cap One (£4200 balance) which I have not paid since around Feb 2015. Usual story - business failure, loss of income for several months, currently on low income (£670 per month), etc, etc. In Sept 2015 Cap One wrote to say the debt would now be handled by Credit Solutions, Purley.…
-
Debenhams MasterCard Scam
I'm pretty sure that this is a blatant scam by Debenhams MasterCard... I made a purchase whereby I was a about £2 under my limit. A few days later Debebhams added their interest and caused me to go overdrawn. They then added an addition charge of £12 stating that I went over my limit. 1) There are no details in my account…
-
Old credit card overpaid 4 years ago
My mother in law managed to overpay her mbna (used to be abbey) credit card by 418£ in November 2011. She hasnt used the card since. MBNA as far as we can tell has made no effort to send the money back. Should they have? We only just found out now when getting her credit file for her, for another reason, and will get her…
-
10 day notice period before debiting from credit card
I am currently in dispute with Nationwide car rental (for another thread). They have deducted £1200 from my credit card for insurance excess as a result of a minor accident I had. They sent me an email with an invoice and deducted the money the same day. My bank tells me they should have given a 10 day notice period before…
-
over seas credit card
hello, im looking for help on a credit card to use while im abroad. I would like to find one which doesn't charge you a handling fee, and gives you 6-12 months interest free aslong as you pay the minimum off each month. Ive done some research and seen that the Halifax Clarity Credit Card is advised, but I do not understand…
-
Payment protection
I took out a three month subscription to a dating site ( e-Harmony) They have an automatic renewal facility which I must have signed up for without giving it much thought. I was thinking I would not renew but they have now taken the money from my account £113.85 Never mind I thought I can still get my money back as I have…
-
Withdrawing cash with a credit card
Hi potentially a dumb question but I have never withdraw cash with a credit card before. If I withdraw cash with my credit card but I pay it off immediately, will I still be charged interest? A more specific example, say I already have £400 on my card this month (which I intend to pay in full next month) and I withdraw…
-
Credit card to pay off Littlewoods???
Hello everyone. I have an account with Littlewoods and I owe just a little over 2k which includes my buy now pay later if i fail to pay on time and the APR for that is 39.9%. Do you think I am able to apply for a credit card to pay off my debt if only a little bit? Please, any help would be most appreciated. Claire.
-
Should I accept an increased credit limit?
Hi everyone, First time posting on here, so be nice! Currently have 4 cards, running 0% balances, all due to expire in May/June. One of the lenders has offered to up my credit limit substantially (enough to put the rest of the balances in one place), but their 0% deals are for existing customers are few and far between. We…
-
Rebuilding:
How long will it roughly be before I can apply for a new card and have the best chances of being accepted, I keep checking the eligibility checkers but they don't seem to improve for me it's like they are broke, I've got no late markers on my file nothing bad everything paid, been on the electoral roll about 3 months now,…
-
Credit Limit During Unemployment
Hi, I've handed in my notice at my current job and have 4 weeks left to work. I don't have another job lined up, I am instead taking time out primarily to re-train and prepare my portfolio for a change in careers. I intend to be out of work for no longer than 3 months, but that is not guaranteed. My final salary payment…
-
Credit Card Debt Management
I wonder if you can help me. I have called my CC company to advise them that I am having difficulty making minimum payments. They have been really nice so far and said they will put the account on hold for 2 weeks to give me time to organise my finances and get back to them with my income and expenditure at the end of the…
-
Credit card transfer
Hi I’m new to the forum and need some advice on credit card transfers. Last week I used Martin’s tool to see what credit cards would be best for me to apply for (I understand it is not specific to individuals) so I chose the best balance transfer for me, that I had a good chance of getting. The application was declined by…
-
Please help! Balance transfer credit limit too low!
Hello, I am new to the site and this is my first post so apologies if this is in the wrong place! I have a Halifax Clarity Credit Card with a balance of £3,200. I want to transfer the balance to a 0% interest card, so applied for the Low Interest Lloyds 32 months card. Whilst Lloyds accepted my application, they only gave…
-
Mastercard Price Protection
I read on the Internet (US website) that Mastercard has a price drop protection and would like to know if this applies in the UK and if so how to go about claiming. I recently made an online order and was tempted to buy there and then due to a countdown timer on the website stating that their sale was about to end. I…
