-
balance transfer or request freezing interest?
Hello, I am new to the forum so this question may have already been asked before. My girlfriend and I have decided to look at our finances and try and get on top of everything. My girlfriend has some debt on her credit card, at present she is not managing to clear the debt because she is paying off a lot of interest. Would…
-
warning!! virgin/mbna 1st payments
i've recently been accepted for a virgin/mbna cc. when i gave them the 'courtesy call' for my initial application a very helpful woman told me how much the BT fee would be on my 1st payment but warned me also to pay the minimum payment with it. apparently if i didn't make that payment they can remove the 0% interest free…
-
which credit card gives an instant online decision?
Exactly as the title says Which credit card company will give me an instant online decision? Thanks
-
Natwest Mastercard statement help
Ok DH just got his statement through and I'm trying to set up a spreadsheet to work out future months interest charges etc. I've got stuck! Current balance is £2094.05 We are currently paying minimum payment which will be £47.00 Purchases are 1.736% monthly interest which is £33.80 and current o/s bal is £1940.77 Cash is…
-
Optional call to MBNA to followup on application?
Good morning people! I just applied online for an MBNA card, at the end of the application they suggested ringing them about the application but if I didn't they'd still have a look at my application anyway. My question is, what do they want to know that isn't already on the application form? What are you experiences with…
-
Building Credit - keep current accounts open?
I have recently begun trying to repair my credit. My experian credit report had a score of about 500 (very low). I have paid off all my debts and have opened a new current account at Barclays - the only type of card I could get was the hole in the wall cash card..... no switch, no solo, no visa! I have heard that the best…
-
Pay off my credit card or overdraft first?
Hi everyone, I'm hoping for some advice. I'm desperate to clear my debts and clean up my credit history in the hopes of buying a house sometime in the next century. I have an overdraft of £2500 on my bank account that is maxed, and have an £800 on my Egg card that they kindly closed for me earlier in the year. Both have…
-
Cash Plus Credit Builder
Ive just applied for one these cards and was wondering if anyone knows if that when you have applied for the credit builder option, whether it is possible to obtain the plus point on your credit file if you pay off the £60 immediately instead of over a 12 month period? Thanks in advance
-
Payment not showing
Hi all I have received my credit card statement this morning and I have a payment not showing on it. My card is MBNA and I made a cash payment in Abbey on the 14th April, I still have the receipt but the details under the account are different to my card number. This has never happened to me before and I am worried incase…
-
Letter asking to remove credit black mark
Hi i got into trouble 3 years ago with a natwest credit card, and have a mark on my credit report. they have given me a card again at the beggining of the year, however i checked my crdit report and the old default is still there after i have paid in full the balance i used to owe. Is there a template letter i can use to…
-
Unauthorised transaction??
I have no idea where I stand on this. Can anyone help. I recently booked a holiday with a French travel company. During the initial booking, when I paid my deposit, I firstly gave them Mastercard details but then realised that was a card with fees for foreign transactions. So I immediately told them I wanted to replace the…
-
Is it worth closing CC's not being used..?
In view of the credit crunch or other economic reason ,I'm wondering if I'm best closing a CC account as its no longer being used. Heres the facts.. I have an Egg card with a 6k limit,nil balance but dont really need it. I have a Mint CC 0% for 12 months/8k limit carrying my 4k balance,no other debt.. Also,I have a…
-
Best credit card for internet shopping
I'm looking for a credit card that will be used solely for internet shopping. As the post tends to get lost now and again where I live, I'd like a card that provides cover against any problems. I've noticed that some cards offer internet delivery insurance (eg John Lewis and Barclaycard) and some offer insurance against…
-
Hubby missed payment!
Am looking for advice on how missed payments affect credit rating. Our situation is as follows: We pay all our bills by direct debit EXCEPT my husband has a credit card which he uses for personal stuff ( a weekend to Dublin with the boys for example!) it only has £160 on it and he has been slowing paying it off but is…
-
Going Abroad
I'm going to Italy for a few days later this year. I will of course take some Euro with me but where does my Debit and Credit cards stand. I don't want to get stuck with Euro when I arrive home. If I prepay say £200 into my credit card account (Bank of Ireland Mastercard and Visa) can I use that money without suffering any…
-
Help! basic advice needed.
Hi everyone, I've had a browse through and dont think my questions has been answered, but sorry if they have. I tried posting this on the newbie sticky thread, but only saw an option to reply to someones post, not start your own query, so sorry if this is in the wrong place. I am in my final year in uni, graduate in June…
-
Lloyds TSB Credit Card Rip Off
I have just received my monthly Duo Credit card statement from Lloyds TSB and I noticed that I had been charged over £30 monthly interest even though I pay the full amount each month. I called Lloyds and challenged the figure and they immediately agreed that this was a banking error. Their response was to credit my next…
-
Barclaycard Initial
Hi Guys Just applied for a barclaycard initial online, said it would give me a decision in 60 secs, it then flashed up and said that they might have to write to me for further info or that they would send me the card through the post! What do you think my chances are?? I have a poorish credit file nothing drastic just some…
-
Cash Advance Fees for Accounts in Credit?
Hi Folks, Here's a hypothetical question for you... If I put my Barclaycard in credit by say £500 would I still be liable for a cash advance fee if I withdraw £500 or less from an ATM or a credit card cheque?:confused:
-
Can store refunds count towards your cashback total?
I was wondering if anyone can help with this question. When you buy something expensive (£1000 for example) at a shop that happily refunds you on unwanted purchases (which is nearly everywhere) and then take it back later in the month and have the money credited back to your card, does this amount count towards your…