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HSBC reluctant to pay me money they owe me
Hopefully this won't take too long, I've had to repeat this story countless times now! A week ago (16/11) I was trying to buy a flight ticket from Hong Kong to Australia through a travel agent I found on the Internet, after an hour of searching for a good flight, I eventually found one and got through to the payment page,…
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Halifax credit card - A surprise!
I have been using my credit card for purchases and paying it off in full every month until a few large purchases, including my car servicing. So I changed my dd from full balance payment to a couple of hundred. Switched some savings round, got another card on 0% for 18 months and 0% fee (3% refunded after 90 days). Anyway,…
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Switching Card
Hi, i've been with the RBS Mint card for years, with no missed payments and a £9,200 limit but they are raising the interest on 20th Jan from 14.04% to 17.436 % ! That's excessive and they don't deserve my loyalty. I've just had a quick look at the best buy's and the Lloyd's card stands out and my wife is a Lloyds…
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25p for charity
I used a credit card in an esso petrol station earlier this evening. After entering my PIN a message came up on the screen exactly as it does in a restaurant asking if you want to add a gratuity. This message said: 'Add 25p for charity? Yes/No' There is no indication of the name or even the nature of the charity who will…
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Setting up direct debit on store card application?
Does anyone know if when you set a store card up in a shop and the cashier is filling the form in, does it ask about setting up a direct debit (min payment or payment in full etc)? Answers would be greatly appreciated. Specifically Miss Selfidge card (New day Ltd) Thank you
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Was lied to about Credit Card by Bank of Scotland
Hi guys & girls. About two weeks ago I had an appointment with Bank of Scotland (my main Bank) about applying for a Credit Card. I had a look through the Credit Card product information booklet, and wanted to apply for the Classic Credit Card. I expressed this to the Advisor who was conducting my appointment. She went…
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Credit Limit reduced
Had a letter today from Co-oP about my credit card. They want to reduce my credit from £5000 to £3850 saying I never go anywhere near my current limit. If I want it to remain at £5000 I should contact them within the next 30 days. My usual spend is about £1000 a month which I always pay off in full. What are the Pros &…
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Very.co.uk terminating agreement
Hi Not sure if this is the right place for this but here goes. I have an old account with Very that I never use. Yesterday they wrote to me to say that as I never use it they are invoking a "termination clause" which will end my credit agreement with them and close my account, unless I buy something else. I don't care…
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Halifax Clarity Reward Payment
Hi, I have just had my first statement for my Halifax clarity card. No mention of the £5 reward, Should it be shown on there or will it be the next month? Thanks
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Why is the credit card security code secure??
The security code on a credit card (CVC2, CVV2 etc...) is supposed to make transactions more...erm...secure. What is it about this code that makes it any more secure than the credit card number on the front? When you make a payment, you have to provide the number and the security code. So if somebody wants to commit fraud,…
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Vanquis Help Please!
I have had a Vanquis credit card for a few months now (I don't have bad credit, just limited credit as in I haven't bothered much with credit in the past) I had been paying the minimum payment each month for the first couple of statements but after being advised by people on here to pay the balance off in full, that is…
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Deciding on a first credit card.
Hey, so basically I decided to get a credit card to build up my credit history for future payments such as car finance, mortgages etc. Now, I've never had a credit card before so I did plenty of research of what type of credit card to get and I've narrowed it down to two. The Barclaycard Initial credit card or the Lloyds…
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Balance transfer help...n understanding
If i do a balance transfer of £2100 onto nationwide Select credit card from santander cc within the first 3months, am I right I won't get charged to transfer? Then can I set up for minimum dd payments for 11 months then in the 12th month (as it is 0% for 12 months) pay it off in a lump sum? With this card i can also make…
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Aquacard
Hi all. Can anyone help. I've just managed to get my first credit card after years of no credit. To be honest more so to get my credit score back up. Planning to use bare minimum and pay back in full each month. Was just wondering how long the payment date is after the statement date ? Would anyone know. I've not used it…
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I don't understand how credit card works
Hey, This is my first credit card. I use it for all normal spending and then regularly pay off the full statement balance because cashback. There's a £500 limit. I was really busy this past couple of weeks and forgot to pay off the balance. Logged in today and I'm at -£600. Immediately paid off the full *statement balance…
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Applying for second 0% purchases card
Hi Hoping someone can help me. I have a good credit rating and want to keep it this way. I have a Halifax 0% purchases credit card. It is in its last month of the promotional period so will go to 20% APR after this month. The card has been cleared and there is nothing owed on the card. I have decided to apply for another…
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Credit card not showing on credit file
Anyone know why a credit card would not be showing on any credit files? Active account regularly used, opened circa 1993?? Will lenders (other than the one the account is with of course) "see it" any other way when credit checking?
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Hilton HHonors credit card
I'd like to start collecting Hilton HHonors points. But the Barclays website for the HHonors card says as a condition: "You do not already have a credit card provided by us, including one of our partner cards". I presume "us" refers to Barclaycard, not Hilton. So since I have, er, three credit cards provided by Barclaycard…
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council tax problem
Hi all, not sure if im in the right section. Sorry if im not. I was just wondering if anyone can help. Basically, ive recieved a notice of enforcement letter for the council tax. The thing is, due to myself doing alot of overtime recently I never seen the letter as my house mate only notified me of it this morning as ive…
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Unauthorised transactions
Evening all, I've come across two transactions that I do not recognise or have I authorised. The amounts are £19.50 to GM Credit Ace and £19.45 to Trakkit.co.uk. I have looked and they seem to be part of payday loans who pass your details on but funny thing is, when I have applied for such loans, I was careful to tick that…
