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Please remove
Cheers and merry Christmas
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Cheapest way to pay money to a bank account?
Anyone have any ideas on what the cheapest way is to make a payment to someone using a credit card?
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Use a credit card to pay in monthly instalments
Hi all :) I'm moving to the UK next month for work. I landed a permanent position in London and it's wonderful :) I do have some questions though. You see, I'm Croatian and here it's the norm for people with credit cards such as American Express or Diners to use them for big buys (a couch, a washing machine, a fridge etc)…
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Why does RBS direct debit my account 10 days before credit card due date?
I have a direct debit setup for the full balance on my credit card and noticed that they take the money out a full 10 days before the due date. All my other cards debit my account on the due date. This sounds odd to me. Aren't they effectively reducing the no.of interest free days I get by 10 days?Is this a fair business…
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Vanquis interest rate
Hi Guys received a letter from Vanquis saying that my credit limit has been increased and that I'm now a gold customer whatever that means can anyone explain the Apr rate to me my purchase rate is 2.839% I'm not sure what this means I appreciate any help Thanks
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cc money owed by previous tenant
Hi I am owner occupier of a property (lived here for just over 2 years) Over the past few months several 'private and confidential - to be opened by addressee only' letters have been sent to an unknown woman who I assume used to live here. I have 'returned to sender' them all but today I opened one and, as expected, it's…
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Changing card types
Lloyds Banking Group (Halifax and Lloyds Bank) allows customers to swap their card types. http://www.halifax.co.uk/creditcards/help-guidance/existing-customers/swapping-your-credit-card/ http://www.lloydsbank.com/credit-cards/existing-customer/swapping-your-credit-card.asp It seems that they don't let you swap from a…
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American Express Educational Status?
Just wondering if anyone else ever had to enter their educational status, when applying for a any other credit card/s. It's seem like a strange thing for american express to ask, think they are only one's asking this.
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Bad credit history but dad willing to be guarantor?
Hi everyone, I have a pretty bad credit history which was the result of a messy break up a few years ago (about 4 years ago) and as a result I have not even tried to apply for any credit since. However just recently my dad said if he could help by offering to be a guarantor to help me get my credit history back in order,…
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New Increase Facility:
Just called capital one asking about a credit increase and apparently it's all done online now, she said it was a new thing out about 2 weeks ago, anyone seen this as I can't find it?.
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0% credit card debt shifting question
Hi all, I am new on here so hope this question hasn't been asked and answered over and over again? We have a (Barclay) credit card with a balance of £6900 ( we are paying £250 off a month). It is currently on a 0% offer which runs out in February. I have another 'empty' (Halifax) card with a 6 month 0% offer plus fee, to…
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BarclayCard & Amex Credit Limits
Just received both my Barclaycard & Amex credit card statements and they have increased my limits. £25k & £37,500 respectively. My question is this bad for my credit rating having high limits on the cards? I don't use the Barclaycard ever. Any advice would be helpful. I've read the guide but it just refers to what % you…
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American express charge card
Hi, I primarily use my Amex Platinum Charge card for all purchases as i get the points and pay no interest. My question is with the protection that you get by using a credit card. Does the same apply to the Amex Charge Cards? i.e. - are Amex liable in certain circumstances as say Barclay Card would be for payments over…
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Should I increase my credit limit?
Hello, I'm new here and after some advice. I've had a Capital One card, my first credit card, for a bit over a year, it will be 2 years in May next year. The limit is £200 a month and I've never had any issues with repayments, every payment has been done on time and in full - apart from one which bounced as I was getting…
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Virgin Money Card Balance Transfer Problem
It is my first ever post here after reading the forum for quite few years - please be gentle:-) I have just tried to transfer a balance from Amex credit card to Virgin Money card but the online system said it cannot recognise the card number. I have phoned customer services afterwards and been told that it is not possible…
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barclaycard AMEX
I had heard that Barclaycard do an AMEX which gives you cashback? I can't see anything on their website about this though. Does anyone know how to apply, or do you have to be offered it?
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Balance Transfer options
Hi, I have a fair amount on my Barclaycard that was originally 0% (I was silly and didn't pay before 0% was up) I have balance on my next and very account and the idea is to combine all 3 (including Barclaycard) to a 0% balance transfer card and set up a direct debit to clear my debt. my question: is it better to pay very…
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Available Credit Question
Good Morning Experts I have a question that hopefully you experts can help with. When your debts decrease due to you paying off the balance on credit cards, is it best to: a) decrease the limit on the cards (reducing the available credit) or b) leave the limits as they stood (thus leaving lots of available credit? Which is…
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credit card with deferred income
Hi, First time using this forum. I have a job offer starting in September in which I get a sign on bonus when I join. I would like to go travelling for a few months before I start but lack enough money at the moment. What are my chances of getting a 0% interest credit card? My plan is to borrow a couple of thousand pounds…
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Santander pin number blunder
Hello....don't know if this is the right place to post this..but I have just been left without a valid pin number for my debit card until the 29th of December due to a blunder on their behalf..they sent me a new card with a new pin..but the pin number apparently was a dummy pin..as I have been told on the phone today when…
