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Help - Capital One
Hi everyone, I'm a new member, in need of some help. I apologise in advance if I have posted in the wrong thread... Ok, I have a credit card with Capital One. My credit limit is £200. The card is just six months old and my reason to get this card was to purely build a credit file taking into account the dates they report…
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New to credit cards
Hi asking a question for my son. My son would like to get a credit card to use to pay for petrol, he intends to set up DD to pay off in full each month, he's over 18, in full time employment although only earning around 11k, very little outgoings, he's checked Equifax and has no problems on his credit file (none were…
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Direct credit card purchase - but transaction sent via paypal
I recently paid for a service using my Credit Card and then received the invoice from Pay Pal. I have a dispute with the service as it is inadequate and have asked for a full refund. The company whom I purchased this service is refusing to acknowledge any of my correspondence. Who is responsible for the refund - My Credit…
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Transactions before Balance Transfer
Hello! I hope someone can help, I'm a little confused! I have a credit card with Lloyds which is about to run out of the 0% interest, so have applied for a new one with Barclays and will transfer the balance onto this. What I am unclear about is what happens to the transactions on the Lloyds card that are due to be on the…
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How do I get rid of this b*"':;y card?
A couple of years back I got a Vanquis credit card. It was the only one I could get, as there's a 10k default on my credit report from a few years back. I kept up with, and am still keeping up with payments, so they threw limit increases at me like they were sweets. I ate up a large chunk of a 3k limit to cover my wife's…
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Using CC to pay off loan
Wazzup fellow scrimpers and savers, I've got a question which I'm hoping someone more in the know might be able to help with. I'm currently paying off a small loan I took out in the middle of last year and have 40 months left to pay. I'll be able to settle it early pretty soon, which would save me £100s in interest, but my…
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tesco Foundation Credit card-not on electoral roll-no credit history...
Went through app on line-it said 'you may' be eligable for a credit card (£250 limit-39.9%-but will pay in full-just need to build a credit file/history at this address)...asked me to choose style of card & digitally 'sign' pre-credit agreements. Said they'd 'be in touch within 5 working days'-anyone any idea or experience…
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Section 75 refunds - receipts
Hi all, Just put a £100 deposit on a kitchen with a credit card to insure it, as per this: http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases Just wondering if anyone knows how one needs to prove the deposit to claim insurance? I have a card receipt but that has no indication of what the purchase is…
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MBNA Credit Limit Increase
Hi all hoping to get a bit of advice. Have had an MBNA card for about 18months with a 3k credit limit. Last month I got a letter to inform me that I was getting an automatic increase to 6k on December 1st. I rang up a couple of weeks ago to see if I could have it applied straight as I have done with other providers in the…
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Virgin money credit card,strange!!
Applied online after mse saying I was pre approved. Had no decision and was told they would be in touch. Anyway received letter in post asking for photo copy of driving license or passport which isnt problem but I've never had this happen before. My credit history is very good,I pay my cards off in full every month,all 11…
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Can I get credit anywhere?
Hi, I recently visited my local Citizens Advice Bureau in regards to sorting out my debts as I was turned down for credit a few months ago. I believe my credit rating to be pretty horrific to be honest, last time I checked it was just over 500 which isn't too bad but possibly has gotten worse and I am being chased for…
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Top credit rating but refused by Natwest
I did an online application for a clear rate platinum credit card through my bank (Natwest) It was declined. Having checked my credit rating its over 900. I am on the electoral register. I have no debt other than a £1500 credit card balance. I earn £30k per year. Have had no late payments, and recently got accepted for a…
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Natwest Black CC - advantages
Has anyone found anymore advantages to the Natwest Black card apart from no interest on foreign exchange?
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0 % balance transfer card or low standard rate APR
With a balance of of £1500, I have come to the end of my 0% deal and want to change. I am having a baby next year so want a card that will suit a balance transfer of £1500 and maybe some necessary spending should it be required in the future. Do I therefore go for a 0% balance transfer card, or would I be better sticking…
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Miles and more credit card?
My wife is American and we try to visit there every two years. I'm considering the Miles and More card to cover one ticket so we only have to cover the cost of one. Has anyone used it though? Looking at their site, London to LA is 60,000 points. That's much more than we would spend in a year but over two years with two…
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Paying a purchase before a balance transfer?
Good people. I guess the answer to this is easy, but (after a sleepless night) I would really appreciate your reassurance :o I have a HSBC credit card, 0% balance transfers for 32 months and 0% purchases for 3 months. I want to pay for a deposit for a car (so I guess this is a purchase) with the plan that i will pay it…
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TSB Avios Cards
TSB appear to have withdrawn their avios cards for new customers.
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Balance transfer problem
My mum agreed to transfer two sub prime balances for small amounts onto a new 0% interest on balance transfers card which is in her name and I will pay . This is with Halifax . However she got an email saying that the balance transfer failed . When she spoke to Halifax they suggested it might be because I am at a different…
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Capital one classic
Applied for classic capital one got 3 ticks says online account details will be emailed 3 days card 7 to 10 when I called to make sure all went through ok says it's in final check stage what is this is it approved or not ?
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Foreign Currency on Credit Card
Just curious about ordering in the region of £2000 worth of Euros and paying on a Barclaycard. Barclaycard has a credit limit over £6k but has a cash limit of £1150 i believe the interest rates are 7.9% purchases and 9.9% cash If i ordered from thecurrencyclub or similar online site what would happen? Would it be declined…
