-
Egg card rip off
I have made a 0% card ballance transfer to my egg card from another card. they said they had problems getting paymemnts from my bank there were funds in the account and they had the correct details. because they failed to get the money from my account they now say " I " HAVE faulted on the agrement and are charging me…
-
Credit search question
Many lenders now use a combination of credit reference agencies for their searches. However does anyone know whether they will typically search more than one agency in respect of an individual application, or do they just receive an application and just search one agency? I say this because the indebtedness showing on my…
-
alternatives to CPP?
as thread title. Need a single entity that I can call that will deal not just with lost or stolen cards, but notification on all the other stuff (passport, EEC health card, driving licence, all the other cards we carry around) as well. Believe some even help with key loss (?). I've had a problem with CPP getting nos wrong…
-
BA miles credit card - waste of space!
I was browsing the BA website for flights and saw the advert for take out their credit card and get 1000 BA miles introductory offer. Not bad I thought, go for it. Now I have the card I find BA miles and not the remotely the same as normal miles. On the airmiles scheme BA London to Paris is 150 miles, 300 miles round trip.…
-
Who to pay first
I have about 5 credit card balances in total, 2 that belong to me, one for the wife. and 2 that we used from my father. These cards vary from a 200 limit up to about £3600, so should i try and pay off the small ones first and then the money that I would usually pay to them, pay that to the bigger ones? I have tried 0%…
-
Can't transfer my balance
Hi all I have two credit cards which I am trying to transfer to 0% interest. I have failed to find any company to accept me. I applied to goldfish and amex who declined me. Now these two companies has forced my credit rating down to poor. Can anyone advise of which way to go? Thanks Martin
-
Which credit card companies separate transations by Card and supplementary card
Hi I currently have a Citibank card, which is nice in the way that it separates out transactions purchased by both my girlfriend and myself (she has a supplementary card). I took this card out a couple of years ago when there were AAdvantage miles available for a flight to the states. It is now approaching the aniversary…
-
Citibank Arrears
I recently applied for a Citibank credit card to take advantage of their life of balance transfer rate. It took a while for the card to turn up, I had to ask for it to be resent as I didn't receive it for about 3 weeks. I think I finally received it end of April. Yesterday I got my first statement which said I was in…
-
Barclaycard Cash Back - Free Money NOT LIKLY
My dear old mum (wet flannel coming my way!) saw martin on his TV program and thought she would get some of the free cash back money. She has Barclaycard Platinum and spends close to £20k a year on it. Soooo she phones them up and this is what they said.. "No your already a customer, only available to new customers. Can I…
-
Phone call re suspected 'test purchase' fraud
I had a phone call from my credit card company today to check on a small purchase on my card. It was no one I had dealt with and was told it was suspected of being a 'Test Purchase' to enable fraud. The account was closed and I was very glad the card company are so 'on the ball'. However when googling the 'retailer',…
-
VISA Electron Rip Off
I travel a lot with low cost airlines and decided to obtain a VISA Electron card to reduce credit card charges when booking with Ryanair. 1. My card does not have a CVV no. 2. I used this card once with Ryanair the CVV no field got disabled and I managed to book successfuly. 3. I tried to use with Easyjet, the CVV no field…
-
nawest!! help from all
hi i opened a natwest account and credited it with 600 £ and have added another £100 since it was opened 3 weeks ago what i wanted to know is how will it work to get an inturnal approval for a natwest credit card if i just keep adding money with no withdrawals i have read in some threads that natwest throw cards at you if…
-
ccj
Hi could someone put me right please had a lot of credit problems in the past due to a nasty split up i got all the debt! Just obtained my credit reports from all 3 agencies not as bad as i thought !! only thing really is a ccj which was put on 6 years ago on the 30th of this month will this automatically be removed or do…
-
Wrong Spelling of Name Affecting Credit score
Hi, i wasnt sure if this was the right place to post this but i wanted to highlight how a wrongly spelled name can cause hassle. My husband bought a car and got finance, they spelt his name Obrian (his surname is O'Brien). He paid his instalments on time with no defaults and then got a bank loan to pay off the balance…
-
Credit card interest rip off
I had an outstanding balance in my credit card. Subsequently before the due date, a refund was given in the credit card exceeding the outstanding balance. At the date the outstanding became due, I was charged interest. When I contacted the bank, I was told that refunds are not considered as credit card payments. This does…
-
I've forgotten how to use it.
My visa people (saga) have written to tell me that unless I use my card within 30 days, they will terminate my usage. I would like to keep it, even though I don't use it once in a blue moon. The thing is I've forgotten how to. I've never used the pin they issued me with, and seem to remember singing slips of paper. Is this…
-
Egg Card charging interest on a closed account
Hi, wonder if you can help me, last month i paid off my balance in full (£966.02) on the statement due date (by direct debit), there hasnt been any transactions on the card for some months. once the payment showed online and my balance was zero, i phoned and closed my account. this month i got an email to say my balance…
-
Credit score not worth the paper its written on.
After checking my credit score, (with the credit ref agencies) and found to be POOR/AVERAGE. I was always reffered to lenders in my so called catogry. These being Capital One, Vanquis etc. I have in the past year been sucessfull in getting an A+L premier direct account, Eggcard, Egg money card, M&S &more credit card 0% A+L…
-
Vanquis
hi i applied for a vanquis credit card about ten days ago and they couldn't give me an instant descion and said they'd write to me . i've had no letter so do you think this means i haven't been accepted or maybe there taken so long cause the just gonna send me the card :rotfl: has anyone had experience with vanquis and how…
-
Purchasing holiday package on credit card
Hello, I have a question regarding purchasing a hoilday on credit card. I have read that under section 75 you are protected if you pay more than £100 on credit card. So if i pay the deposit of around £300 on credit card, then pay the rest (another £300 on debit card) will i be protected for the whole £600 if i needed it…