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CC deposit refund. Does it remove protection
Hiya Folks We've just put a £1000 deposit on a used car from a main dealer. we were going to put another £6k down making the total deposit £7k. They had offered us £7k for our car but we decided to keep it. Well the damn thing broke down on the way home needing a £3.5k repair bill. So spurious part fitted to get going so…
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Vanquis credit card
I never use the above named card but see I am charged every month for the items below, I take it this all is above board?. Purchase Interest Cash interest Default charge interest the default one is £1.20 As far as im aware I haven't defaulted just seems strange 3 types of interest when I now no longer use the card albeit…
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Tesco credit card refused
Hi I applied for Teco credit card and was instancely refused.:( I wished I have never applied as I don't know what chances I have to get it.Tesco don't provided eligibility check so only option is to apply and check.This leave a hard search on my credit report.My advice will be to check eligibility score and then…
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Aqua card increase?
I received a letter today informing me that i could apply for a credit card increase. The letter stated that the increase would be applied automatically, after 40 days, or i could call a number and ask for a immediate increase. I tried calling, and only received an automated message telling me the number had changed and to…
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Credit card for a student
Hi all, I'm currently a University student. Compared to most students I'd say I'm quite good with money and currently my focus is on building a good credit history for later on in life when it comes to things like mortgages. I have my own phone contract which I took on recently, and I've checked my credit score accounts…
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Finding out my Egg Card account details
Had an Egg card earlier 2000s that may or may not have had PPI on. Coming up against a wall or bureaucratic evasion with Royal Canada in trying to find out my account details etc....(stupidly I have lost these). Any tips bar breaking into their offices and doing a search myself?
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Sainsbury's credit card
Applied for this for the 27 month 0% on purchases.... ....two weeks ago. I don't ever remember an application with other cards taking so long. I've even been with them before a few years ago. I applied online & was accepted. They said they'd send out a form i needed to sign & return. I've had absolutely nothing though…
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Credit cards best for building credit
I was wondering if anyone had any advice on the best credit cards to get when building a credit file? I've been told that capital one has a good card for this but I'm still unsure about it. Has anyone had any experience with capital one and are they are a good company to get a credit card with? Or if anyone has any other…
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Barclaycard....reducing cost
Hi My friend has a barclaycard initial with a credit limit of 3900 and has been running close to his credit limit for a while, and interest is about 80 quid a month. So I said to him, send them a message asking if they would apply a promotional interest rate to his balance. They wouldn't Next, he sent a secure message…
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Do I keep both cards open?
At the moment I have 2 credit cards, Barclaycard and Halifax. Both have £0 balance I only got the Halifax clarity card when I was going to Florida in 2010 as it was a good card to take abroad at the time (not sure if it still is?) I haven't been abroad since 2010 :rotfl: but we are hoping to go to Spain next year. My…
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Can the bank automatically increase your credit limit?
Hey guys, I have a credit card with a £1,000 limit which I mainly use for work expenses. I wanted to keep it at £1,000 to stop me spending much more on stuff that aren't work expenses or necessary. However, I get a letter in the post today from my bank saying they are increasing my limit by £500. I don't want it and being…
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Credit card eligibility calculator
I have used the eligibility calculator to check credit cards, over the period of 2 days I went from accepted down to 95% chance with the same card...any reason for this ?
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What does "pre selected" mean?
I got a letter though the post saying I was preselected to apply for a vanquis card - does this mean that I'd definately be accepted if I return the paperwork?
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Need credit card explained
I've now been debt free for 8 months now , My credit rating is poor due to a default on my previous tesco loan and I wanted to try and get it back on track, so I applied for a tesco credit card and I've been approved , the limit is only £250 but that's fine for me because I'll only be using it for diesel for the car, it's…
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Applying - what income can I include?
I am going to apply for another credit card. Previously I was employed but now I have a small amount of self-employment income, rental income,child maintenance, child benefit and tax credits. Can any of these be included in the application as income?
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Close credit card account or not?
Hi all. I'm of an age where I've not really considered credit scoring to be something that is very important to me, no mortgage, no borrowing etc. Early 2014 I applied for and got an interest free credit card (via this site actually). This was for a specific purpose to offset some expenses and its now all paid off. £0…
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Barclaycard transfer on an active card
Hello, I want to take advantage of a good 0% offer on my Freedom Rewards Card. However, as it's a points card I use it for all of my work expenses. Say, if I transfer 'x' amount @ 0% and continue to use my card and clear the balance monthly, will the repayment go towards the highest interest rate first? Thanks
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Balance transfers with catalogs and credit card
Hi all Can anyone tell me what type of credit card i need please. I have two catalogs Studio and Littlewoods and a Post Office Credit card and want to pay them off with one credit card. I owe £3647 with all. The last credit card I applied for about 4 months ago MBNA only had £1000 think it was for 10mth interest free which…
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I got a credit card and I'm kind of scared!
I got an Aqua credit card with £600 limit but I'm kind of worried. I got into debt during the recession and it was a nightmare. Ever since I've worked hard to below my means and I'm unattached to anything. I look as if I've dropped out of the world on my credit file. I got this card to improve it. My sister uses the card…
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Paying off card query.
Hi, I owe 850 on a very catalogue account. Nightmare interest rate... And I owe 1800.00 on an aqua account....same. I'm in a position to pay approx 1000.00 off this. So, do I pay the very one in full and pay the remainder off the aqua... Would it be best to have one debt paid in full? I'm trying to rebuild my credit I'm on…
