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Second balance transfer card with same provider
Hi, I have 3 credit cards one of which is an MBNA "Standard" card. According to the MSE checker tool I have a 95% chance of getting an MBNA "Platinum" card with 0% on balance transfers for up to 36 months. Now I know that I can't transfer from one MBNA card to the other, but what I'm wondering is, does the fact that I…
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Credit card fraud
Hi all apologies if this has been asked before but hoping for a quick response. Today we received a call from my MIL asking if we had made any applications in my husbands grandfathers name, as he had been declined a loan due to CC apps being declined at OUR address! My husband categorically denied ever making any sych…
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Refund from house of fraser
Can anybody advise if I have any protection I ordered and paid for hoods on my house of fraser MasterCard and since returned unwanted goods which to date have not been refunded can I claim on my credit card for th refund just after some advice and guidance thank you
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Credit Card novice, consolidating debt
Hiya, Bit of a novice when it comes to Credit cards and debt, but I find myself at the limit of my overdraft on a couple of current accounts and with a smallish Credit Card (2k) maxed out. The only good thing to say about it is it was caused by some bad luck and everything happening at once rather than dreadful money…
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Closing credit card cringe spiel!
Hey. Has anyone noticed that when closing a credit card that they really pile it now with the sales crap and flattery and try and convince you to stay? And try and say all the reasons you should keep it (like you haven't thought it through yourself and made an informed decision). My god, it's so cringe? It is just so much.…
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Fraudulent CC account in my name
Hi There I hope I'm posting this in the right place. It's a bit of a story to bare with me. I split with my wife 2 months ago. About 1 month ago a received a credit card statement and payment demand from capital one. It had a balance of roughly £2400 outstanding. Checking my credit file(never done this before or I would…
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Santander increasing interest rates
Has anyone else had a letter from Santander which states their standard rate is increasing from 1/11/18? I've had one today for my Santander Zero card. It states the new standard rate will increase from 18.9 per cent per annum to 23.9 pa. Quite an increase :( .
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Help/advice on store cards/catalouge debt please
Hi, I've been looking into the best ways to clear my store card, catalouge debts. As I'm paying a large amount to them monthly but the interest is killing me. Could someone tell me if I'm on the right track here? Basically I have debts on both Very and Next (Both just over 1000 pounds each), I have a Capitalone platinum…
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Capital One - Missing Transactions in App
When checking my Capital One statement/transactions online (in a browser), all transactions are visible. When looking in the iOS app, it seems that a lot of transactions are missing and do not show - can anyone else confirm if they also have this same issue? These are posted transactions, not pending ones.
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Capital One - Approved but cancelled afterwards
Hi, I'm looking for info on details on how capital one deal with approved customers, I applied for a new credit card 7 days ago with capital one, after applying I was Declined for a different card so I tried the classic card that helps build credit and I was Approved with a £200 credit limit so it asked me to sign the…
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Balance offer
Evening all, I have a rack of cards etc adding to a total of around £30K and have an opportunity to possibly clear these. The full amounts are nowhere near possible but can I make an offer to settle but less than the full amount? If so are there penalties or a downside to this? Appreciate all the advice.
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0% Purchases with same company
If you had a 0% on purchases with say, Barclays and then when the 0% was up, you paid it off, closed the account and cut up the card, can you still apply for another 0% on purchases say, three or four years later with the same company or do they remember that you've already had a 0% with them in the past?
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Credit Cards
Hi, I cureently have several credit cards as seen below, not in a great way currently but I have just received some money around £5000 to pay off some of my debt what would be the best way to distribute this? I was thinking highest interest first add it all to that my score will then improve then apply for some more 0% and…
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0% cash transfer with 4% fee?
Im having some minor building work done which will cost about £3000. I have the cash for this but I'm not sure whether getting the same amount at 0% for 30 months is a good idea?
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Sainsburys Bank - Customer Service
Hi everyone has anyone used these before? They have one of the worst customer services I have ever come across. After a financial irregularity with my balance I requested some further information from them. After been told there was nothing they could do they finally told I could have copies of past statements but i have…
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Go back to previous card issuer or a sub-prime
Long story short, left the UK 8 years ago, now moving back. I’ve kept my bank account open whilst out of the country with the banks permission and I had a Barclaycard when I left that ended up staying open until I remembered about it and closed it about 2 years ago. It was at zero balance for years. Just been put back on…
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Not in the right place but quick question about current accounts.
I currently have two current accounts with overdrafts, they are not maxed out or anything and one of them I barely use but is it ok to have two open with overdrafts at the same time? Thanks
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Amex Advice
Hi all, Just following on from the advice on this here website, I've gone and got me an AmEx gold reward card. Mainly, because of the £100 amazon voucher (which is incredibly useful). To get this deal, one has to spend £2000 within the first 3 months. Well, I intend to buy a costly TV from a well known store and also an…
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Reclaiming cost of lost holiday paid by credit card
I booked a holiday over 6 months ago and paid for it by my Barclaycard. Unfortunately, at the last minute one of my family had a panic attack just before boarding the plane. This meant we were unable to board the plane and missed our £4000 holiday. What are the chances of me reclaiming the credit card payment or even part…
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0% credit revoked due to accidental missed payments - should I balance transfer or suck it up?
So I have a 0% credit card on which I owe about £850 on . Stupidly, I hadn't set up a direct debit for the minimum monthly payment (I know, naive!) and I've made two late payments in a row meaning they've revoked my 0% interest, not because I don't have the money. Should I suck it up and pay it off asap (I could probably…
