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If you need Sue your credit card Company who do you take to Court.
For Instance If you needed to Sue you Credit card company would you know who to sue ? Halifax Credit card is Issued by the Bank of Scotland, but Lloyds banking group PLC is the parent. Now Bank of Scotland is issued out Scotland so would you sue in Scotland but as it issues in England is also governed by English Law. Do…
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applying for a credit card as a homemaker/housewife
Hi I'm new to this so not sure if I've posted in the right place...here goes. I have no personal income as I'm a stay at home mum, when I'm filling in a credit card application, what should I put when the question is 'personal income' can I put my husbands or do I have to put zero (thinking they don't want to see a big fat…
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Capital one card application
Hi I applied for a capital one credit card and was told they need me to send id. I sent id the next day and have received a letter today saying they have received my id and are processing my application does this mean my application has been accepted thanks!
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Rebuild credit
This about my nephew who is 25. About 4 years ago he had a bunch of unpaid parking fines, and various small time debts here and there. Since then he has a trade and is earning not far short of £40k a year. Most if not all debts have been settled but he has a poor credit rating, no surprise. His partner is a newly qualified…
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CC balance/limit ratio & spread
Can someone tell me which is the best way of managing 4 credit cards please? CC1 Barclaycard has a limit of £6K and a balance of 5.5K CC2 Virgin has a limit of £13K and a balance of £200 CC3 Tesco has a limit of £5K and a balance of 2.5K CC4 Halifax has a limit of £1.5K and is clear I only use the cards to swap balances on…
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Santander rate rise question
Hello I have a Santander 0% bal trans c/c the deal is due to end in Feb. I have just recd a letter from Santander notifying me of an interest rate rise from 01/02/2017. It then explains I can opt out of this rise by contacting them by 31/01/2017 but won’t be able to use the card again until the balance is clear. I have…
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Issues with HSBC CC
Good morning, I recently got accepted for a new Credit Card with HSBC - my first 'almost' prime card in years with a limit of 5.5k. However I'm having a bit of an issue - will give a time line and explain below. Applied for CC Nov 6th Received acceptance paperwork 18th Nov Sent CC agreement 19th Nov Received card 1st…
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American Express Explorer Credit Card
Launched in Australia recently with a very inviting bonus. It will probably never make it in Europe due to the capped exchange fees. Thoughts?
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Balance transfer enquiry
Hi Can anyone comment on if this is allowed? I have 2 credit cards, a YB one and a Barclaycard. The balance on the YB is £300 and the Barclaycard is £0. On the Barclaycard i have an offer of 0% on money transfers until June 2018 at 2.5% fee. I have just moved into a new home and in the sales in January i was going to go…
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Contactless credit cards.
Im not the best at keeping up with technology but today I had a letter from my credit card company telling me that they were about to send out a new card which will be contactless and when I get it I should cut up my old card. I would rather have to use my pin and keep the old card but thats not an option. At the moment,…
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Have you successfully applied with a default.
I understand there are cards you can apply for, with a poor credit history. Lets say i have a satisfied default that is coming up 4 years now. Since the default, all my other accounts have been paid on time. Is a default on my credit file always going to have a negative impact if i were to apply for a mainstream card.
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Help on why my card application was declined
I'm really confused. I applied online for a Santander card so I can transfer a balance and use cost free on my holiday. My application has been declined. I have my credit report, it has a 555 score (Equifax) I have my mortgage with Santander. There is no phone number to call as I applied online the call centre can't help,…
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Creation Credit Card-Something Holiday Maker Should Know
Last month I travelled to South East Asia. I took out a Creation Credit Card as there were no charges for withdrawing from ATM's abroad. It was highlighted on this very same website as a good card for holiday makers. I contacted Creation and informed them which countries I was visiting etc. So everything at my end was…
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M&S credit card applied for in August - free £25 voucher?
I applied for the M&S credit card via the MSE website at the end of August. I received the card and bought a banana (and more) on it before 31 October. I've not received the £25 voucher yet but I can't recall when the vouchers should be (or should have been) sent out. If anyone out there applied for the credit card around…
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M&S Credit Card - Limit Increase
Just looking at my statement online and there is an option to request an increase in the credit limit. As I've almost maxed it out (and still have till January 2018 when the 0% runs out), if I request the increase, will this also be at the 0%?
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Fraudulent Charges on My Account - Halifax won't help!
In May this year I noticed 4 transactions for Amazon totalling about £110. I definitely didn’t make these. I checked my own Amazon account and there was no sign of these transactions. I then called Halifax (my CC provider) and they said they would take the charges off while they investigated. A month or so later they got…
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Best for spending abroad and occasional UK use
I'm looking to get a new credit card - in the process of switching banks, so as good a time as any to look at a different credit card. My main card is Amex Platinum but I'm looking for a fallback in case Amex isn't accepted - currently I have a Clydesdale MasterCard. I don't use it much and I clear anything I spend on it…
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Visa card vulnerability
Surprised this has not been mentioned yet. Research at Newcastle University show that Visa credit and debit cards can be hacked in under 6 seconds simply by trying to make payments with special software at hundreds of websites until the right permutation is used. Seems MasterCard uses different validation. Just wonder if I…
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MSE News: Shoppers to be able to split credit card payments at the till – but you...
Card payment machines in shops will give credit card-holders the option of paying for items in instalments rather than with a lump sum, once the Mastercard Instalments scheme is launched next year...Read the full story: 'Shoppers to be able to split credit card payments at the till – but you may end up paying over the…
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Can 2 Barclaycards be combined and consolidated into one?
Good Afternoon, Today I received an email that I have been accepted for a second barclaycard! I got the platinum one with 0% purchases and 0% BT for 25 months. I have already a Cashback barclaycard which I use regularly. My question is if I can consolidate both card into one ...so that I have only one barclaycard with one…
