-
Building my credit rating & increasing limit on Barclaycard Initial card
:beer: Hi guys/gals, Bit of advice? Trying to build my credit file & have ONE card with a decent limit for emergencies etc. Brief background-not on electoral roll (personal reasons not really for a public board but circumstances different now) BUT have got name down now & should appear early April . I have Noddle to check…
-
Section 75 dispute long resolved, rears its ugly head...HELP!
Hi all MSEers, Im sure this has happened to someone before and wondered if you could offer some advice. Ill try and keep my explanation as succinct as possible! I filed a Section 75 dispute with a car hire company regarding damage to a rental car. Capital one agreed to fight and eventually won and refunded me. Two months…
-
Beware Lloyds Bank and S75
I hired a barrister online under the Direct Access scheme to represent me in a civil dispute over double glazing. I had 14 day cancellation rights and, when I paid, I saw from the online terms that I was entitled to a pro rata refund. Three days before the trial, as it was obvious that the barrister still hadn't read the…
-
Isle of Man resident
Hi all I'm trying to get a credit card. My credit score etc is really good and the money expert eligibility test says ive got really good chances of getting certain cards. Only trouble is that when I apply I'm told I can't have it because I live in the Isle of Man! Is there a way around this, or is anyone else having these…
-
s75 claim
I bought a hotpoint tumble dryer in November 2007 which is deemed unsafe to operate and so I want to make a s75 claim on the credit card company I used. The only problem is I dont know which one and the receipt I have only has the last 4 digits of the card showing. Is there anyway of tracking down the company? Would my…
-
0% credit card to make pension contributions
Hello, Quick query that I help someone can help with, I recently got a new 0% on purchases credit card for 22 months from Tesco bank. Can I use this credit card to make contributions to my SIPP in order to get the additional tax relief in my SIPP without paying interest on the card?? Obviously I will make the minimum…
-
Amex 0% Everyday Platinum Cashback Credit Card gone?
So I've been with amex since Sept 2016 taking out their 21 month (i think) offer and been paying off the minimum every month on time, now logging into my account I see they wanted the full balance (£1,350 odd) Checking around the internet and doing a quick soft credit card search on MSE, I see they have removed all their…
-
If you could only have ONE credit card ...?
If you could only have ONE credit card - which would you have and why? I'd personally keep my Clarity over my cashback cards. My monthly spends are so low, I only get a £1 or so back every month. Just wondered what types of cards people valued the most.
-
Can I apply for a new 0% credit card from company I already hold credit card with
I have a Barclay card that I owe money on and a few other cards that I owe a small amount on each. I'm wondering if I can take up a new Barclay card 0% off to pay off the 'few other cards' as soon they aren't going to be interest free. So I will owe money on two Barclay cards? Thanks!
-
Bank account with credit card improve your chances
Hi I've currently got a Santander bank account and looking at an interest free credit card. I'm looking to get as much lent as possible. Do you stand a better chance of a better deal if you have a bank account with the provider?
-
M&S want proof of ID for additional cardholder
Curious, just received a letter today asking me to send photocopies of passport and utility bills to prove the identity of my additional cardholder. My husband has been an additional cardholder on this account for a very long time... possibly 20 or 30 years), so why now? Also, I kind of think what does it matter anyway,…
-
Pending transaction affecting credit limit
I booked flights last weekend costing £5,500 using my Barclaycard. Today I tried to use my card online and it was declined. On contacting Barclaycard I was told that they give a merchant 7 days to process a payment, after which time it will be declined. Now, the bit I don't understand is that the payment to the airline is…
-
Closing card account that is in credit?
My other half wants to close his Capital One credit card account but it is in credit by £56. Will they let him close the account and send him a cheque for the money? He cut up the card last year so cant spend the money to bring the account to zero.
-
Barclaycard Mistake
Hi there hope someone can help. Had a letter saying they had incorrectly applied my payments to my interest and had overcharged by nearly £2000! Am assuming they did nt apply the payments to highest rate of interest and then lower rate of interest. (Split rate due to transfer deal ending). They have said they are sorry and…
-
Sains no Fee 28 months
In the conditions of the card it says: ' Sainsbury’s Bank reserves the right to terminate this balance transfer offer at any time. ' does this mean they could terminate the balance transfer offer after you have paid the 1.5% before they refund the 1.5 % which they say they will do within 60 days of the transfer?
-
Credit card default
Hi friends, I currently have a card with capital one, which has a limit of 2000 but i am currently 150 over limit, they have applied a default on my credit file which is fair enough. my question is, once i pay to get the account back within limit, will the default be removed? thanks in advance
-
New Card Dilemna
I have just opened a new credit card with Sainsbury's as I wanted to do a balance transfer from a Barclaycard. The problem I have is that the new card limit wasn't enough to pay off the full Barclaycard balance. I already have another credit card which has full life transfers on it. I really want to get rid of the…
-
Considering getting a 0% interest with my bank but I already have it...
A long time ago (I reckon over 2 years) I went in the bank for a reason I can't remember and the guy talked me into having a credit card. For whatever reason I agreed but had no intention of using it but thought it would be handy to have there - nor did I activate it. I've still got it on my online banking, but it has…
-
Unused credit cards
Hello, quick question.. I have two credit cards, barclaycard and Halifax. Both these cards are rarely used and then paid in full despite 0% offers. I only took them out to improve my mortgage chances for the future. The problem is I don't care about using the cards and prefer using my debit card for everyday purchases.…
-
Creation Credit Card
This card is recommended for foreign transactions but is not covered by this site's eligibility check. Has anyone applied for this card? Were you successful? I don't want to risk rejection if I can avoid it. Btw, I find I have 0% chances of acceptance for several recommended cards. In some cases, I already have another…
