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Calculating a single months' interest in advance??
This might be super simple, so forgive me if it is! All I want to do is to know how much interest I'm likely to be charged on my credit card balance, before I get my bill this month. I've looked online for a calculator, but they all seem to just want to tell me how long it will be until I can pay the whole thing off, and…
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Monarch Section 75 Refund
Hi folks. I put a claim in via email to Lloyds Disputes when Monarch went bust. It's been 15 days with no news (not even an acknowledgement of my two claims). Has anyone else heard anything back from Lloyds/received their refund or been refused? I am sure they are inundated with claims, but was wondering how long to wait…
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Two matching APR credit cards?
I have just activated a Capital One Classic card, and have been given a £750 limit. I also Have an Ocean credit card (Capital One too) with £1200 on it. I built the debt while in between jobs, I am now paying the Ocean card off at £250 a month. My question is: should I USE the Cap One Classic card, for basic monthly…
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Lloyds C.C Limits online adjustments?
Does Lloyds bank credit cards still allow you to manually adjust your credit limit up or down in its back office once you're accepted? Some companies have this facility I know Lloyds and Tesco had it but others did not.
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MSE News: New fee-free overseas credit card to offer 0.5% cashback
App-based Tandem Bank is launching a top credit card for use abroad, offering fee-free spending and overseas cash withdrawals PLUS 0.5% cashback on all purchases...Read the full story: 'New fee-free overseas credit card to offer 0.5% cashback' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Aqua or Marbles card. Is there any difference?
Been looking into CCs for someone new to credit with a very limited but so far so good history. Seems to me that Marbles and Aqua cards, both by New Day, are pretty much the same thing. On the MSE eligability checker the only difference seems that the Aqua card offers a 6 month balance transfer whilst the Marbles only…
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Money transfer to pay expiring balance transfer...
Hi everyone, I've had a look and can't see anything specific for this, maybe I'm searching the wrong terms. I'm looking for a bit of guidance please: I have a Barclaycard credit card with £5000 on it which is the balance left over from a balance transfer from my wife's Santander credit card. We transferred it to get a…
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Vanquis Payments
Spoke to Vanquis this morning. Had an extremely rude lady who told me that she has concerns I will not payoff the card and that I should "get my bearings together" before using my Vanquis card. This was because I was confused about how payments are made against the statement balance. My statement balance as of 3rd October…
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Struggling to get refund after online purchase
Good evening to you. On September 12th i placed an online order for a Pressure Washer from a company called Tool and Fix. After receiving a confirmation email from them i heard nothing at all. On September 16th, i contacted them to find out when i was going to receive it and they replied on September 19th to tell me it was…
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Bank refusing Chargeback
Hi, I am looking for some advice on a chargeback. My parents were renovating their house and bought a kitchen in Septemeber 2016. It was subsequently installed in February 2017 after building work completed. By mid-July 2017 we noticed the doors seemed to be failing and tried to get in touch with the company by phone.…
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Paid by Credit Card?... think you’re covered?..perhaps not!
Firstly, apologies if this has already been covered on here;…I’ve searched but I can’t see anything. Er’indoors recorded a ‘consumer’ programme on BBC the other day and it concerned a man who’d bought a £1000 item by credit card ‘online’ from a well established UK company. Unfortunately the retailer went bust and the buyer…
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£40,000 Private Medical - Cash or put on Credit Card to improve rating?
Hello, I have given up on the NHS 24 month waiting list and decided to go private. The bill is about 40,000 GBP. I have a question should I spread the costs over my credit cards, and then pay minimum interest for 3 months then settle them all? Would this increase my credit, and are lenders likely to lend me more? Advise is…
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capital one not accepting payment
hi im trying to pay my capital one credit card bill but they wont accept payment from any of the 2 cards i own. ive never had this problem before paying my other credit card. i hope someone can help as i dont want a late payment on my account.
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Overlimit Fee
I've been with Capital One for just over a year, I started with a £100 limit (as a student with non existent credit score) and have slowly increased to £450. I have never missed a payment or gone over my limit before. I even received an email from them last month stating that due to the way I manage my account, they were…
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HSBC refusing payment plan...help
Hi I'm after some advice I have a credit card with HSBC and I can't afford to make the minimum payments every month . I have phoned them four times to try and set up even a temporary arrangement but they are refusing to accept it or freeze any interest in the card all they offered was a 60day payment break but still whack…
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Pay off card balance
My partner is trying to pay off her Virgin credit card balance of £3000 but when she called to make the payment she was told that she can only make payment of £750 per month. Surely this isn't right?
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Aqua Application
Hi there I’m a newbie so please be gentle Currently saving for a mortgage in the next 2 years and am currently focusing on trying to improve my credit history. I had some issues 4/5 years ago when I was unemployed and defaulted on some accounts. These are all paid off in full but obviously will still show until they reach…
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Credit card question
had a credit card, big mistake... we all do it at least once though.. i paid it off and closed it, i was owed about £11 or something like that. a cheque was sent but i did not get round to cashing it within the 30 days, this was about 2 months ago now, to be honest i couldnt be bothered to go to the bank for £11.... but i…
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Barclaycard credit card
18 months ago I found myself in debt and sought help from each of my creditors. Whilst every card offered me a repayment plan whilst taking a default on my credit card, Barclaycard offered me a repayment plan WITHOUT taking a default. However, in setting this up they made 2 mistakes so each actually took 3 attempts to get…
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Hike in Interest Rate
Please can someone tell me if this is correct......I have a credit card with Aqua. At the moment the outstanding balance is £3741.33. Just recently I have noticed that my monthly payment had increased, even though I haven't used my card, and not done so for quite some time. When I logged onto my account on line, I saw a…
