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dorothy Perkins, Button etc
I have a DP account card, can I use it instore for Burton as they are the same group? Thanks
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Fraud just happened on 2 of my credit cards, help!
Hi all, I just got back from the shopping centre (Westfield Stratford), after getting my phone fixed, I discovered a text saying that there were some attempted transactions on my card at Argos for almost £1000! I called Halifax (who sent the text) and was on hold for ages, I eventually gave up. I thought I'd call my other…
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Credit Card Repayment Arrangement
Hi In Aug 2016 in contacted Vanquis Bank because I was experiencing financial hardship due to the breakdown of a relationship and asked if I could pay a pro rata payment despite having a £180 deficit every month. To cut a long story short they harassed me endlessly but completely ignored my request and I eventually…
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Avios credit cards
Been told about a lloyds credit card which earns Avios points which im interested in. Not had a CC for years and never thought about getting one again but if i can earn Avios points then has made me think. Quick question though. If I use my card for everyday spending and clear the balance every month would that spend incur…
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M&S BANK cardholder verification
Has anyone else received a request from M&S Bank to provide verification of a second cardholder? I don't mind supplying a copy of a passport / driving licence / utility bill but they are asking for it to be certified by a Professional person. These people typically charge £25 for their 'signature' plus the time and hassle…
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Cashback on Vanquis and Barclaycard
I've applied for these credit cards simply to get the £25 cashback. However, it doesn't specify how or when I will get it. Does anyone know?
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American Express Credit Card - Maximise cashback
I have spent a lot of money (about £3K) on my credit card recently. I receive 1p for every £4 spent on my Tesco credit card. In hindsight I should of opened an American Express Credit Card who offer 5% cashback for the first 3 months. I could of earned £125 cashback. I am thinking about opening this credit card now. Are…
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Balance Transfer Query
Hi All, Sorry if this has been asked before but I couldn't find anything on it. If I got a Balance Transfer card and was unable to pay it off in the 0% interest period, would I be able to transfer the remaining balance to a new 0% Balance Transfer card? On a side note, am I able to transfer the balance of two separate…
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Asking for a lower apr
After some help please, as I have got myself in a Mess and would like to rectify sensibly and on my own without damaging my credit rating anymore than I have. I have 5 credit cards, with a debt of close to 10K. Ridiculous I know, and I have buried my head but I have always paid the minimum on each as thats all I can…
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Barclaycard returned my DD for full balance then charged me interest
Hello, Barclaycard returned my DD for the full balance and then charged me interest. Fortunately I had made an earlier payment that was greater than the minimum payment so I avoided a late payment fee. Has anyone been in a similar situation with BC?
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Paid off wrong credit card by accident!!
Help! Having found myself sliding into debt again I decided to get a loan to consolidate everything and I had an enjoyable evening paying off my cards in full. I was alarmed a few weeks later to receive an email from Barclaycard saying my payment was late. I checked by online account and the £6900 balance was still…
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Some clarity on Credit card payment times
I have a credit card I am using to rebuild my credit. I have never before owned a credit card, say for example I spend 150, and my statement comes through, and say my minimum balance payment is £20. If I pay say, £100 before the due date, do I pay interest on the remainder? And would it reflect negatively on me? Thanks in…
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NATIONWIDE credit card application ...being 'checked'
Made an application for credit and was offered a quote after running a credit cheque I was accepted with a £5k credit limit at 15.9% . Straight after a received an email from nationwide saying ' We're just checking your application to see if we can offer you this credit card. We'll be in touch within the next 7 to 10…
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Where to Go Advice Needed
So I have a poor credit rating and have just been rejected for a Capital One card for people with poor credit. I need something URGENTLY to get through Christmas. My house is sold stc and I'm due to get a big chunk of equity from it which I will use to pay off ALL outstanding credit I have (£30k approx). Do I have any…
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Old statements (Virgin Money credit card)
Hi all. Long story. To cut short, I am doing an online course/qualification, but the training provider is rubbish and so I am requesting a refund of all money paid to them.... The problem is, I cant find the money I pad them. It was an instalment plan, but you have to make the payment over the phone rather than a SO or DD.…
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Tesco Credit Card
Hoping someone could help my got my first credit card from Tesco interest free for 24 months I got a letter saying ive not made my minimum payments for this month. Looking at my statement ive paid double the minimum payment for each month so far, Ive checked all over there website and i cant seem to find out from what…
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Small debt, big worries.
Hi everyone. I was wondering if anyone could give me some advice. I have had a small debt for quite some time which currently amounts to £630. It is on a Santander cc. I am on a 0% offer until next November and can currently make the minimum payments no problem. I am a healthcare student and receive a small bursary and…
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Closing an Aqua Credit Card
I have had an Aqua credit card for some time, and as I have rebuilt my credit score I have applied and been accepted for a card with a better rate. Is it better for my credit score to keep the Aqua card open, or to close the account?
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I spend around £2,000 a month on food, travel, hotels etc. Best credit card?
Hi all, I spend around £2,000 a month on food, travel, hotels etc. What's the best credit card to go for in terms of perks and benefits? I currently have 123 Credit Card but open to something better out there. Your suggestions would be fantastic :beer:
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Need help understanding a debt and it's consequences.
Hi all, Hope this is the right part of the forum to post... I recently found out that my 67 year old mother is 30k in debt and my father isn’t aware. The nature of the debt is a large overdraft incurring something around £100 in fees each month and also a large amount each month in credit card payments, I think its 2 or 3…
