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Help with Interest Rates - Barclaycard
Hi there, I managed to get barclaycard to reduce my interest rate to 6.9% APR until the balance of 2031.72 is repaid in full. I have it in writing that this is the case The original rate was 21.9% I still seem to be getting charged the full amount of interest as on my last statement the interest was..... Interest On Your…
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Lowering Interest??
:hello: Quick question about Credit Cards lowering their APR. I have a HSBC card with a balance of £3150 (max limit is £3250). The APR is eating up my payments (paying £90 a month, min is around £80, interes is nearly £50). How do i get them to lower the APR? Can this be done? I am looking at making overpayments of…
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Credit Card "Freezing"
Hello to everyone on this amazing site, my wife & i have had so much help & advice from the threads on here but one questio (among many) seems to not be approached, that is the question of freezing credit card interest. We have a MINT card an EGG card a BarclayCard & a Natwest card, all with extortionate rates of interest.…
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In Credit Somehow?
Hi all, I have a strange one if anyone can help me please. I have a virgin money card and the balance as of a couple of weeks ago was roughly £1250. I made a balance transfer from my mint card for £900 (18th Apr). This showed up on my mint card a week later, and appeared on my virgin online statement. Now showing an…
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charging of interest on credit cards
hi I am new to this site. I have a question regarding the charging of interest with credit cards. I have looked at the details of a few credit cards and they all state the following: "If the account is not fully cleared, interest will be charged on the average daily balance until full payment is made and credited to your…
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Same PIN for credit/debit cards?
On the back (shamelessly!) of another thread about "what have you got in your wallet?" there was mention of how many of us have the same PIN for our credit or debit cards. Thread here: http://forums.moneysavingexpert.com/showthread.html?t=878997 Out of curiosity do you have the same PIN for more than two of your cards?
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Credit Scoring question
Just got my credit report from Experian - can see I need to close a couple of dead accounts but also my partner is shown as a linked name presumably becuase we once applied for a mortgage together that we decided against. We are not linked ie. no bank accounts/mortgages/credit agreements together - should I use the…
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Virgin money up to 34.9%apr!
Got a letter from virgin today, rates on my card are going up to 34.9% apr. I just paid off a big chunk of it and only have £500 left so that was good timing. I think I'd better pay that £500 off as soon as I can!
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Assistance needed
Has anyone got the address of Capital One I only have a contact number but really need an address :grin: to try to reclaim some charges on an old account
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Template Letters - Incorrect Credit Info Help
I remember seeing a list of template letters on the site to ask for full details and a copy of a signed credit contract - does anyone know where this link is?? Tmobile have an old contract default that was not on my name registered to my credit report account and won't remove it as it was listed by a collections agency…
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Barclaycard 'Initial' been referred!
My hubby applied for Barclaycard's basic initial credit card, he has no CCJ's Bankruptcy on file, he does have 1 default from almost 5 years ago. Anyway, he didn't get an instant decision. It seems to have been referred, does that mean a person will actually look at your file in detail? Get it up on their screen and do a…
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Amex
Can you use your Amex.....5% cashback......to pay off existing credit bills and get cash back?
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Splash Plastic Problems
*sigh* Splash Plastic seem to have blocked my card. On Tuesday some money went on to my card £744.09 and £304.03, I took out £20 and then jumped on a train to Birmingham. When I got to Brum I bought 3 things in shops and then my card stopped working. Logged into my account and the card status shows as "Refer to Customer…
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Nationwide Merchandise Interest - AGAIN
I've just checked my Nationwide CC statement and yet again this month they have added £4.17 Merchandise Interest to my account depite my paying off my balance every month in full. :mad: Last month it was 3 hours on hold before things were put right. Last month the Merchandise Interest was £9.64. Today I got though in about…
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Thank you MBNA
Not 3 words you usually see together I know, but credit where it's due. A lady from their security centre called this morning, they had picked up a couple of suspicious transactions on the account. They weren't large amounts but they were picked up on and the account is now closed, with internet banking suspended until a…
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tescs credit card
i got a tesco credit card a few weeks ago and made my first purchase with it on the 15th april. then my payment was due on 1st may, that is very quick isnt it??
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Does any where do a 0% BTF with no fee?
Can anyone advise if this is avaliable. Really trying to get sorted. Thanks.
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0% Interest on purchases
Hi there, Sorry if this has been asked before but I couldn't find anything... If I have a 0% deal on a new CC for purchases, does this apply to paying bills with my card? Eg electric or water, or is it just for straightforward purchases in shops etc?
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Section 75
Well we went into a contract in Jan for a new bathroom total cost £6.8k. We advisrd a completion undertaking of April 1st completion. The deposit of 2.4k was made by cc. The company dragged their heels with installation and didnt start until mid March when they came to remove the old bathroom and do some remedial work. I…
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Attracting "good" junk mail
Martin loves the stuff and, to be honest, I don't much fancy my chances of being accepted for many ideal credit cards given my employment status so I'm hoping the answer drops through my letterbox. Is there anything I can do to attract credit card junk mail?