-
Residential Status
I've recently moved in with my partner and am confused about my residential status, particularly for credit applications. I moved into his house, which he owns with a mortgage (all in his name) and I pay him a set lump sum each month to contribute to the household bills. He then pays for the mortgage, bills, food shops…
-
Money transfer - is it recorded as a cash advance?
Hi all, Does anybody know if a money transfer is recorded on a credit file as a cash advance?
-
Want to move balance to new 0% card - not working until next year (travelling)
Hi, I'm new to this part of the forum but hopefully someone will be able to give me their opinion. I'm in a slightly odd situation, whereby I want to move the c.£2,500 balance which I currently have on a 0% Santander CC - the 0% deal ends in July. I do not wish to pay off the balance straight away, so was hoping to…
-
Credit Card Refusal Help
Hello Recently i have been applying for credit cards and been knocked back each time. I have never experience this before. Can anyone shed any light to why i'm being turned down for a credit card? Thanks
-
Capital One Retentions?
Hi all, Does anybody have any experience with Capital One and their retention efforts? I'm about to close a CC which I have held for about 5 or 6 years. In that time I've had very little by way of limit increases, balance transfer offers etc.. In comparison I've been with Barclaycard for about 1yr, my credit limit was…
-
What would you do, which deal to take?
Looking for some advice please. I have 2 credit cards, MBNA and Barclaycard, both interest free currently and paying as much as I can and not using them! My MBNA interest free runs out on May 20th this month, Barclaycard is interest free until November 2016. Now I've been offered numerous promotions by both card providers…
-
Card Blocking
For the second time this month, my Nationwide CC has been blocked. Both times for purchases involving amounts over £200, but prior to the second purchase, I rang them to let them know to expect a payment, specifying the retailer and the amount involved - the idea being that they need not block it if they had advance…
-
Credit Card balance below zero when billed
I have a Halifax Clarity CC and I hired a car last week The hire company took the hire fee plus £200 then refunded me £200 when I returned the car. The problem is that my billing period end occurred during the hire so my balance for May is currently -£190 (following a small spend) What happens if my balance is still…
-
Paying credit card off
Hello there I am in the progress of applying for a credit card. But need to know a couple of things. I live in a village and the nearest bank is a few miles away and is not always convenient to use. So I am looking for a card that I can either pay off at the post office. Or at a pay point. I have tried to apply for a post…
-
Tesco CC Credit card help!
Hi all, first post so hope this okay/right So basically, I got the tesco clubcard around 2 years ago and the interest free period is coming up to end, and it's basically still got my holiday to vegas on it ~£2000 and not paid it due to stupidity/lack of money. Main concern however, is when the 0% interest period ends soon,…
-
Section 75 help from newbie :)
Hello all, I am new to this site but have had great help from Google searches and reading threads and have joined now for future reference and help. I am seeking advice and help regarding section 75, I bought a car 22nd February this year on my Barclaycard credit card for the sum of £3450, the total price was £3995 but the…
-
Third party balance transfer?
Hello I've recently purchased flights on a credit card which I am a named user on. I wish to transfer the balance into my own name. I was about to sign up for the Halifax 0% fee + 23 months 0% interest card, but Halifax balance transfer unit has said that the transfer would not be possible as the addresses involved are…
-
Over credit limit after Barclays removing charge fee
Hi all, I've had two issues with my barclaycard this week, I'll elaborate. On the 26th April I checked my banking app and I noticed that I had somehow gone over my limit by 16 pence. I immediately rang up and made a payment which brought the balance below the limit and the gentleman over the phone cleared a £12 charge. The…
-
Ba amex
Hi, Looking at buying a conservatory for 25,000 and thought about getting a BA Amex card for a companion voucher. Could I get the card and then transfer the money onto the card (so it's in credit) and then buy the conservatory to trigger the companion voucher spend and avios points? Is the BA Amex card the best card for…
-
Minimum payment for £4K Barclaycard Cc?
Just wondering if anyone knows what my minimum payment will be for a new Barclaycard 0% interest credit card for a balance of £3700? First statement is due in a few weeks just wondering if anyone knew Thanks in advance :j
-
Credit card Limits
Just a general question. Why do Credit Card companies give out larger credit limits than applied for? If I apply for a loan and my application is successful I get the amount I applied for but with credit card companies I have always been given more than I want As an example I have just applied for a Halifax Clarity for…
-
Would I be covered by Section 75?
Hoping to get an Empty Property Grant from our local council towards some replacement windows and doors. This becomes payable directly to the contractor if and when the property is re-occupied, which must be not later than 6 months from grant application being accepted. Windows companies I've spoken to seem understandably…
-
New Day Credit and Comet
Hi, Have just looked at Wifes Bank Statement and noticed a Company "New Day" have been charging her a monthly payment of £8 , We have only been together 8 years and this has just been spoken about to me.I understand they manage various storecards and was wondering whether Comet was one of these? I cannot find a contact…
-
Parent died, credit card debt
Hello My father recently passed away, and I am now going through his paperwork. He took ill whilst visiting family abroad a month ago and ended up in Hospital there before passing away there. I have since discovered and Amex bill for him which now states it has been passed to debt collection agency. What do I do? The house…
-
Pin but no card
On Wednesday I applied for a capital one credit card as I'm going to use it to book our summer holiday & then pay it off the before the payment due date. Today, I received my PIN but no card yet. Is it normal to receive the pin before the card?
