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Natwest Credit Card Default
Hi Back in 2011 I was made redundant and suffered financial hardship. I had a cooperative bank and a NatWest credit card at the time and approached both lenders asking for if I could reduce payments for a six month period. Cooperative bank were brilliant and agreed to this and I kept my word and was back up paying normal…
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Do I have to transfer the whole balance?
I've read through the relevant articles on the site and can't find a definite answer to this. I've got around £5k on one credit card, and am thinking about applying for a new card to do a balance transfer. The only thing is, I think I'm probably likely to only get around a £1500 credit limit on any new card. So I'm…
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Confused / Inexperienced Credit cards
So before i ask for help ! got to apologise if this is in the wrong section , its my first post and im not a big forum person I currently have an overdraft of £1100 of which i max each month and subsequently pay off each pay day , i then have two credit cards with a max limit of 500 both of which are almost maxed ....…
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Contactless cards
Morning all. Are contactless cards any less secure than regular cards?
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Confusion over credit rate
Hi, I wondered if anyone could help to explain to me why my credit rate is going up on my Halifax credit card. I had a letter today stating that the rate is increasing as they have recently reviewed my account and noticed that my credit score has changed recently and they have looked at this and my previous history with…
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question about balance
hello, sorry i am new to credit cards and im havng trouble understanding my statement, so my limit is £1000. my current balance on the card is £120. when i receive my next statement saying i owe £120 what happens to money i spend after that? because i hear people say always say pay off the full balance each month, so if my…
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Halifax Clarity Credit Card APR now linked to base rate.
Letter from Halifax today, they are now linking my apr to the base rate, So for me its 17.45 + the base rate. If the rate goes up so does my APR. Is this a new development? I dont mind this as a) i dont carry a balance on it. and b) it quite literally brings clarity to it. We all know that rates go up and down with the…
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Santander 123 Credit Card Annual Fee
I took out a Santander 123 credit card in January this year. As I already had a 123 current account, I was not charged an annual fee for the first year. I assume that I will be charged the £36 annual fee on the anniversary of taking out the card. Is this correct or will I be charged £3 per month? Thanks
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Money transfer cards.
Hi I was wondering if any one knows how high my experian credit score has to be to be eligible for one if these cards. I'm wanna pay off an overdraft with one over 2 years. My score is fair and a few points below good
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BOS student card - credit policy decline
Hi Wondering if anyone can shed any light on my situation: I currently hold a BOS student credit card, which I took out a few years ago when I was at uni. I would like to move on from this card as it has a low credit limit and a high interest rate. BOS advised that the card cannot be upgraded, and that I cannot hold…
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capital one email
Hi, How long does it normally take to receive the acceptance/declined email from capital one? Mine has been referred yesterday. Thanks
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Trouble understanding Santander 123 interest
Good morning, I am struggling to understand when interest applied to my Santander account is applicable for. It was my understanding that interest on my Nov statement would be applicable if the total payments on the November statement were less than the outstanding balance from the October statement. Is this correct?
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18 month interest free, +£3k transfer
Hi everyone. I am looking for a credit card that offers at least 18 months interest free balance transfers of up to £3.5K. I currently have a credit card with Natwest and my credit limit is £3k. This is an old card, so not part of any promotions right now. Any suggestions of which bank would offer a credit card as per…
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Building up my credit rating
According to the money saving expert, I shouldn't pay my credit card completely every month in order to build up my credit rating (To make the credit card company every month). If I have a 0% interest credit card, will I still be building up my credit rating by not paying off my credit card in full every month (not making…
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Potential AMEX & VISA Card Misselling - Partially/Completely Hidden Annual Fee?
Hi MSE Experts, I recently recieved an email from a company (which I shall not name at this stage) offering their MBNA-provided credit card (AMEX & VISA combined). The email stated various benefits which were very appealing and I was excited to take up. I applied and, having a very good credit history, was immediately…
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Balance Transfers
Hi All, I'm a newby to this site so hoping you can all help me and me you in time... I currently have a Very account, is it possible to transfer the debt on here to a 0% balance transfer credit card? I don't want to apply for the card and then find out that it is no use to me. Hoping you can help :)
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Amex Shop sSall
I haven't seen this mentioned but on the website it says this is running from 5 - 20th December 2015. If you spend £10 or over in one transaction at specified independent retailers and pay with your Amex card you get a statement credit of £5. I love this, I always stock up on nice birthday cards for the coming year. It…
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Capital One Help
Hi, I have had a Vanquis credit card with a £250 limit for the past 5 months which I am managing well. I have just applied for a capital one credit card and have received the following message: One of our team will now perform additional security checks, which typically take 7 working days. In a small number of cases we…
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Want to reduce APR
I have a barclayscard purchase platinum with a credit limit of £12500. Annual and representative APR are both 29.9%. I'm still on the 0% interest promotion offer because I always pay the statements in full. I was given the 29.9% due to it being my first credit card, and increased the credit limited every 6 months. Used…
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Capital one classic platinum
Hi guys.. I applied for the card as its 29.8% a whole lot better than my vanquis, filled it out and for me to enter my bank details for DD then on the next page it says to wait 7 days for security checks. Any one else had this?
