-
retired and need new credit card
Can you advise? I have a squeaky-clean credit report and have never been turned down for anything financial (yet) and always had a couple of credit cards on the go mainly for 0% purchases. My Halifax credit card is due to be paid off in full in the near future so I will do that no problem and move on to a new card. Now I…
-
Historic Debt Team
help - i got a letter this morning as follows: ***************************** Court code: 840 Date of birth: mine account number: **** division number: *** Amount imposed - £698.40 Amount Paid 70 there is still an outstanding balance on the above account which was imposed at VARIOUS COURTS on 15.02.2007 Please see attached…
-
Moving credit from account
We have a interest free MBNA credit card and paid for a holiday with it 4 months back and cleared the balance completely a month ago. Unfortunately we should have been on holiday this week, but due to illness have had to cancel it. Easyjet have refunded us £833 of the payment and our travel insurance will refund the rest…
-
Barclaycard BT to AMEX - Non Working
Hello all, I am a bit frustrated by the new Barclaycard which I recently applied for paying off my AMEX Platinum debt. I tried several times to transfer the balance to AMEX and is not working. I still receiving error messages. I contacted both Barclaycard and AMEX and they can't help me. Everybody is bouncing me to each…
-
Quick Question re unauthorised transactions
Evening all, I'm away at the moment and just had a call from my father who opened his credit statement and saw a large amount and some transactions he didn't make. He HATES using the phone but his first reaction - as would be anyone's was to phone them saying he didn't understand any of the transactions and the account…
-
Marbles website login not working
Anyone else use marbles? I used it whilst building my credit history, i have a bill of £300 to pay this month (pay each month in full) when i will then be closing the card as I've just got a barclaycard platinum. However their website has not worked for a while unless its my phone?! I've tried every browser etc but the…
-
tsb cc intrest rate increase
Hello has anyone else's tsb cc intrest rate gone up? I just got a letter increasing to 18.9 from 17.5 iv had it for about 15 years, they've never changed rates or 2750 limit, iv had 2500 on it for years then did a balance transfer. in the last year or so iv been paying it in full and now they increase it
-
Bathstore
Hi, I purchased my new bathrooms through Bathstore, I paid using my MBNA CC, they did not deliver an item with the rest of my order. I called the store first thing on a Monday spoke to a member of staff who would look into it then call me back. I never got a call so had to chase, when I eventually got back through they…
-
When it hasn't hit my statement can I still pay it off?
As I understand it, there are three types of transaction on a credit card account: 1. Authorised but not yet posted to the account 2. Posted to the account but hasn't appeared on statement 3. Has appeared on a statement I believe that if I make a partial repayment, it will be applied to category 3. only, even if category…
-
Overseas Credit Card loading
Hi, I have a Halifax Clarity card for overseas travel, which doesn't charge a fee for overseas cash withdrawals, but does charge interest from point of withdrawal onwards. If I preload the card with my planned cash withdrawal requirements, will I be charged interest when I withdraw the cash overseas? Thanks for your…
-
FCA Handbook question
I'm trying to understand the FCA Handbook and its application with a credit card agreement under CCA 1974. CONC seemed to be the obvious place to look, but checking CONC 1.1.1 for application I cannot see clearly how a credit card agreement falls within the definition of "credit-related regulated activities". I want to…
-
MBNA Money Transfer Card
I filled in the basic info on the MSE Credit Card Eligibility Calculator and there was a 95% approval rate for the MBNA - up to 36 months 0%, 2.99% fee LONG MONEY TRANSFER CARD, WITH A LOW FEE option. Ont he moe info tab it said: Does that mean MSE can tell me if I will get the card without doing a hard check (subject to…
-
Mistakenly re-applied for Credit Card within 6 months deadline
Hello, I have a good credit history with no issues but I just did something silly.I mistakenly re-applied for Credit Card within 6 months deadline as I saw an offer I liked, but I closed one from the same company in February. I was subsequently declined. Can I sort this at all? Approach the company to explain? Many thanks…
-
Clearing Credit Card Balance + Balance Transfer Advice
Hi all, I actually have two questions as I'm after a bit of advice. I am going to be relocating and leaving the UK in the next 12 months, so need to clear up the debt I have ideally before I go. Before I begin, some info: Current Debt: £750 (17.8% - tsb student credit card) from my student days £5850 (18.69% - lloyds bank…
-
Credit card soft check - worth doing and which one?
Are these soft checks Martin talks about worth doing or not? I have heard conflicting opinion where some saying it is meaningless. If there is value I am looking for something that won't count against my eligibility by making a mark or require handing over my personal information for marketing. Does this exist? I found one…
-
Card utilisation and credit score.
I am looking at getting a mortgage soon. I have 2 cards totalling 14k They were at the limits on 0%, which ends soon. I have paid off 9k and I am now on 37% utilisation. I have also been fighting Experian who had such a mess of my credit file, my score was 420-490 for months. That is all sorted now and it is 981, and in…
-
Credit Card Full Payment?
Hi all, So I've just got myself a credit card with Vanquis. I was wondering could I make a purchase then make a full payment that same day/day after to still increase my limit. Or should I just leave it to be taken via Direct Debit. Thanks.
-
Cash Transfer: Jumped too quickly
I'm wondering if anyone has any suggestions... Saw a car I wanted and arranged a cash transfer to my debit card account. It transpires I have only until September 2018 to pay off the transfer on 0%, not 2019 as I'd thought. Any suggestions for extending that year of 0%, given that it's sitting in a debit card account?…
-
Section 75 and the FOS
What is the proper process when your credit card company rejects a Section 75 claim? Is it necessary to challenge the decision with the credit card compnay directly before going to the Ombudsman, or can you go straight to the FOS?
-
Advice needed
Hi. Advice please. I am going to Florida later this year and am thinking of paying my holiday balance and tickets by credit card and then paying this off in full. But wondering what the best credit card would be in order to get something back. Like cashback, airmiles or clubcard points.
