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Late payment interest - ask for refund?
Hi I am usually very careful to pay off my CC in full on time but last month I was late by a couple of days (yes, careless) and have been landed with £24 interest this time around. I have a further credit card which I have been meaning to switch to and which pays cash back (Amex platinum) - what do you think my chances are…
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Have I been conned - card application?
I applied for Sainsbury's In Store promotion for a 3.9% life of balance, balance transfer credit card. I waited several weeks - did not hear - so phoned them - they had no record of my application. The bloke assured me he had posted it.:confused: Thing is - he did not give me a copy of the Agreement that I signed. When I…
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Can i do that ?
I dont know some is using my credit card detail to make online transcation ... i spoke to my bank but is it possible i can have same new card with different numbers on it.. Cheers
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Anyone know how to phone call credit?
I wrote to call credit several weeks ago about an incorrect linked address. Does anyone know a phone number for them (can't find one on their website). I could send another letter but it's frustrating if they don't respond, hence I would like to call them.
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First Direct Credit Card - Cash advance
First Direct have reviewed there cash advance policy and now you'll be charged interest from the day you withdraw cash instead of previously having an interest free period. Just for info .....
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Capital One credit card nightmare !
I have an arrangement with Capital One to pay £30 per month towards my credit card balance. This month however they have taken £33 instead with no explanation. Can they do this ? I can't afford the monthly payment that they require so this amount has been agreed with them. Thanks
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Duration between cards and searches?
Hi All, I am new to credit , i got my first ever bank account in June this year and same time i applied for the barclays card and i got accepted and using that since june , but during that period i made 3 more credit card application with other lenders( Nationwide, Capital one) but they turned me down . Well i do…
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Should I bal transfer can you help?
Hello, I need to balance transfer in Dec this is my problem I have a dispute of £300 with an overseas transaction which is taking some time and will not be sorted in the next 2 weeks, do I balance transfer all of the money and hope that I get the £300 back from current credit card company or transfer my balance minus the…
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M&S online banking "coming soon"
Sorry if this has already been mentioned. The M&S site is now asking for email addresses to provide customers with information about the coming online banking facilities: Can't wait!!
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Quick question!
Got a Skycard with £4,000 on it. Got a new credit card with £5,000 limit. Could I balance transfer say £4,500 from my Skycard?
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Hate HBOS
Halifax have just, at the worst time of year, reduced my credit card limit from £2,400 to £1,400 pounds!!! My balance was only £600...they said it was after a review of my personal situation with credit ref agencies! I have just checked all my files and they aint even searched them...What the hell are they on about??? I…
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bt question
i recently applied and got a virgin cc and have transfered the balance of 3 cards. now the amounts are showing when i log into the virgin money as now being on my cc but when i check my other cc's the amounts are still showing on there as a debt rather than a credit :confused: im confused shouldnt these be showing as a…
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credit card
hi i have been on 0% for quite a while, always transferring to new cards. What im wondering is if , when i cancel these cards (after the 0% option) can i reapply for them again at a later date. Also what is the best non mbna card for 0% balance transfers? many thanks
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Eek, my card details have been "compromised" - possibly on Amazon UK!
Had to call Virgin/MBNA this morning as my card was declined for a couple of online transactions I was trying to make, and have been informed that my card details have been 'obtained' and MBNA have blocked fraudulent use of my card. Chatting to the MBNA security rep, she informed me that they are seeing a pattern develop…
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Credit Protection Gone Wrong!!
Last year I was made redundant and having always taken finance protection, decided to use it. I have an Abbey MBNA card which at the time the balance was about £15k. It took nearly 3 months for Abbey's assigned insurance company (St Andrews) to start paying, by which time the debit had increased dramatically. By this time,…
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Whats the swiftest method
What is the swiftest method of transferring money to a credit card. I will have a sum of money available on Tuesday in my bank account that I want to spend on Thursday on my credit card (don't ask - its complicated!). Is the quickest via phone call using debit card, or over the counter cash paid in using paying in slip. Or…
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"Expected Interest next month" Calculation
Hello Apologies if this has been answered before, but wondered if anyone could help I am creating my own spread sheet to work out the best way (apart from clearing most expensive debts first) to pay off my debts over the coming X months. In fact part of the reason I want to do the spread sheet is so that I can enter…
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Late charges for no late payment!
Hi! I'm new here, I've been reading the forums for ages but have got myself into such a blind rage I need to hear what others think. I have a Mastercard with Lloyds TSB (don't worry I'm changing today!) I have a bank account with Lloyds so just do transfers when it comes to paying my bills. I was issued with a bill on…
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MBNA Help
Last month my statement went adrift with MBNA (visa) i contacted them be4 the payment due date and they sent out another one, as it was getting nearer the due date they took the payment via switch over the phone. This months statement came in and i just noticed they have dropped the payment due date from the 5th down to…
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Reclaiming Interest (MBNA)
Hi Guys Just joined the site. My storey......I recently paid off a credit card with MBNA. Prior to this I was being charged interest for being over my Credit Card limit (whch is fair enough). SO i phoned MBNA and spoke to one of the Customer Service Assistants. She informed me the total I would need to pay off to cancel…