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Aqua taken money from me a year on!
Did a balance transfer from Tesco to Aqua in March last year. Messed up and was meant to pay off my Lloyds card instead so requested that Aqua send the money back to Tesco. They did, however they did this twice. I hold my hands up to not noticing this happening. They have since just taken the money from my Tesco card…
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Different credit limit for second card holder?
Barclaycard's call centre drives me mad so I thought Id have more success asking here! I have a Barclaycard with a credit limit of £7,000. If I add an additional card holder to my account would they have access to the full available limit? Or could I set the spending limit on their card to say a few hundred pounds?
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Paid off credit card - what now?
Hi everyone, I've paid off a £2000 credit card and on payday at the end of June I'll be able to pay off the last £100 of another £1250 credit card I have. That's all my credit cards, and I have a couple of overdrafts to work on next. I'm not sure whether to close these accounts. I don't plan on having a credit card ever…
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Credit card surcharge policy
Hi, does anyone know if there are rules concerning how online holiday companies operate when charging by credit card and adding an additional 2% transaction fee. In this particular instance I booked a holiday online and it was certainly not made clear anywhere about the extra 2% charge when paying by credit card, in fact…
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Would Barclaycard let me pay off part of my account?
Hi everyone, I owe about 3K on my credit card. I have the means to either pay this off, or to pay off my overdraft. My overdraft is at a much higher rate. Hypothetically, would Barclaycard 'settle' for a 2.5k payment? Or are they likely to request every last penny? Any ideas? :)
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Which Credit Card Help
Hi I'm going to apply for a 0% credit card to pay off my online Very and Next Accounts. Can anyone tell me if I need a 0% on balance transfers card or a 0% on purchases card? I'm confused which one to apply for. Any help appreciated. Thanks :)
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Bad Credit Cards
Even with an apr of around 69.95% my application said it is being referred. This is with Aqua. How is this the case as it is for 'bad credit'?
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Debit card charges
Has anyone paid charges for using a debit card????? I checked with my sky account yesterday and they have been charging me credit card fees 50p a month for...........17 years!!!!! I do not own a credit card and this payment is made monthly by debit card! Checked with the bank and it has always been by debit card! After a…
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Non contactless card
Can anybody tell me who offers a non contactless credit card? ps Barclaycard = no Thanks
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Vanquis Contact
Does anyone know if there is something wrong with Vanquis? I've been trying to get in touch with them to confirm my final interest payment amount so I can clear my card. None of their phone numbers work, even the alternatives on the internet. My online account has also been barred.
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Balance to pay if refunds have been paid to card
OK. So I get statement with £1000 on credit card. Before it gets to payment date I return something to shop and get refund of £900. After this more spending goes on.... What do I have to pay to clear bill completely from last statment? £1000 or can I account that some payments have been made in the form of refunds?
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Visa Dispute Rejected
My bank refused my visa Dispute because i know the person that stole from me and as he is only 7 the police won't do anything oh and it was £11,000 on apse and gaming sites all non refundable as I can't prove it was him to them as it was on my phone. But I'feel some one had stolen my phone and done this they would refund.…
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Distance selling regs
I purchased a pedal bike online the bike arrived but I was not happy with it so one day later emailed the seller to cancel the sale I sent the bike back and it was delivered back to the seller 4 days later since then I have emailed the seller numerous times but have yet to receive a reply. The bike was purchased on my…
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Its always worth questioning your CC companies decisions.
I received a text from Lloyds on Saturday saying they had slashed my CC limit from £3550 to £500:eek: Its fair to say I was shocked and surprised. I immediately checked my credit file and found all was okay so I filed an online complaint. I pointed out my management of not only the Lloyds card but all my other ones as…
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How many credit cards is "enough" for the average person?
I currently own two credit cards. A student credit card with a £500 limit, and an AMEX cash back card w/ £3k limit. I'm thinking of applying for the AMEX basic card, but wonder whether 3 is too much? Thanks.
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Cash Advance on credit card and pay back on straight away to clear bill?
Has anyone done a cash advance and then paid it back on to the card in order to clear a minimum payment on the card? I ask as I won't be paid for a little while yet but my statement date is due in 3 days hence why I was wondering if it was worth doing a cash advance, wait for it to appear on statement then pay it off…
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Exchange rates
Most credit cards charge like wounded rhinos for purchases made in local currency. My Halifax Clarity card charges nothing, which is great, but The Halifax hates customers and never answers the phone. Does anyone know of any Cr card Co that gives good customer service and free exchange costs from local currency to sterling?
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Barclaycard: refused limit increase after 2 years
I applied for a Barclaycard literally the day after I came to the UK (about 2 years ago), since I've been told how important it is to build your credit score and such. Was accepted with a £400 limit and a ridiculous interest rate. I immediately set up a direct debit and started using the card with no problem, except for…
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Deposit on a credit card?
Not sure if this is the right place, but here's my question: If I use my credit card to put a deposit on a holiday apartment, how does it work with my balance? The deposit would be a safety net - it would be given back at the end of our rental. If this money gets taken out, how would it be refunded if it goes over my…
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CC protection
We are a group of guys planning a trip to S America. We have found a local travel agency there that can arrange our tour and accommodation there (we are booking flights here seperately). The tour company want a 50% deposit and the rest when we get there. I can, and would like to, pay the deposit with my credit card so to…
