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getting credit help
Please help My 20 year old Daughter lives at home as been in full time work with the same company for 3 years. Has 2 mobile phone contracts never defaulted on a payment . Wants to build her credit up. But keeps getting declined she has tried bank credit card. A store card and even spoke to the bank again!today!to see if…
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£15K 0% purchases for a year but must be done in 2 months. Ideas?
As title really. Card has a £15k limit and it has a 12 month 0% offer on purchases but they must be made by the end of November. I have 2 new 5% current accounts as has OH so I'd really like to use the cc and keep the equivalent amount in these accounts for a year, but I'm struggling to see how I can spend big in 8 weeks.…
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super balance transfer (SBT) card?
Are there any of these left? I had the old Egg card many years ago and could use that to transfer a positive balance to my current account with no fee. There must be a card still available which allows this?
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passport renewal
Help please anyone. I was cut up in the backlog of passport renewal and I had paid for my girls to go on a school trip. Unfortunately, their passport failed to come back before the trip and was unable to go. Now the school is not willing to refund the money:( Is there anything I can do? Many thanks.
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easiest credit card to successfully apply for
I have a debit card, but in order to make an online US visa waiver application I have to use a credit card. Can anyone tell me which credit card company is the least strict in terms of deciding whether an applicant will be given a credit card? I am afraid of not getting the credit card and then I am stuck. I look forward…
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Pensions
Can anybody help me with pension enquiries. I have just finished work but cannot claim my state pension till July 2015. I have a small private pension I can claim now - should I?
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Stoozing vs 0% on purchases
The traditional method for stoozing is to find a credit card that transfers balance to current account allowing you to move this capital so it earns or saves you money. But with balance transfer fees taking a slice of any future profit is this the best option? Some 0% on purchases are as long as 20 month now. If you spend…
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Help please
I don't have the best credit rating, far from it to be honest, it's very poor. But I'm looking at ways to improve it was was wondering if anyone could give me any advice on how to do so? Recently somehow got accepted for a credit card (it's 26% APR though) and a sim only contract. Will paying both of these (if I use the…
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taken local garage to court and won and they won't pay
I took my local garage to court as they damaged my car. The court found in my favour but the garage owner won't pay and has threatened me. Bailiffs aren't interested as the amount is £210 and the court bailiff will charge another £100 and cannot guarantee he will pay up. What is the point of small claims if this can happen…
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0% Question
I'm not really a newbie but have only ONE credit card with a balance of less than £1000 and no other debts (no overdraft, no store cards, no other credit cards). I'm buying a new second hand car tomorrow (£3500) and not sure whether it would be a good idea to pay by cc and then transfer the balance to a new 0% cc, OR to…
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Credit card help please
Hi, I have never had a credit card before but want to clear my £2800 overdraft as I am getting £50 charges a month(I can pay back £100 a month). I heard that some credit cards can put money in your account for 0% interest for a certain amount of time. Would anyone know the best one to apply for please? Thanks.
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E mail message today
I have just found a message on my computer saying thank you for your order which is being despatched today charge £179.89 on credit card does not give any details of item or card. The mobile number on the bottom is unobtainable the message is from [EMAIL="sales@riederer.co.uk"]sales@riederer.co.uk[/EMAIL]. I have rung up…
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Increasing credit limit
Deleted - moved to different sub-forum
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Amazon Mastercard Closed - Now what? MBNA Rewards, AMEX or Nectar?
Hello all, I currently use an Amazon Mastercard which is soon to be converted to a regular MBNA card due to their association with coming to an end. I used the Amazon card for most of my purchases as I shop on Amazon a lot. I also have an (old) Amex Platinum Cashback Card which has no monthly fee but a cash back rate of…
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Contract termination due to long term ill health
Hi, I've been employed for 11 years 3 months. Unfortunately I have been on long term sick for almost 6 years. I've attended numerous medicals arranged through work which have all supported my consultant and GP diagnoses. I was eventually called in for a meeting today with HR for my first meeting in over 4 years of face to…
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Tesco 0% Transfer Fee? Don't think so!
Just applied for the new Tesco Card offering 0% transfer fee only to be informed at the end of completing the application that a 2.8% transfer fee will apply. Went back out of the site and re-applied, thinking I must have clicked the wrong buttons, only to be told that I cannot apply now for a further six months! Every…
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1.9% money transfer cash to AC offer from Barclaycard
I just got an offer from Barclaycard - Transfer cash to current account - 0% interest until Feb 2015 - 1.9% fee applies - My limit is only £3000 (unfortunately) - I currently still have a container in 3% interest current account. - Presumably 0.5% net profit interest for about four months (0.333 year) Suppose I transfer…
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The Thomas Higgins Partnership Scam?
Hi I recieved a letter from The Thomas Higgins Partnership demanding pay from my Company for £854.35. The claimant is Money Inc Ltd. I don't owe anyone money at present so I'm sure its a scam. There are no details about what its for I don't want ring or send a letter in case it plays into their hands. Has anyone else…
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Halifax 0% fee refund
Just had an offer of 15 months from an old Halifax card - fee is 3% but half of that is refunded after 30 days which really makes it quite tempting, especially as another card balance 0% is coming to an end - but am I missing a trick with the refund? Shame they can't just charge 1.5%
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Excessive card charges
Hi Can anyone tell me if they were able to claim back excessive charges for cash withdrawal. Stupidly enough I withdrew £50 in an emergency one day and because I could ever clear the balance in total I paid back £687.88 interest for £50!! This was on top of all other interest. I was never eligible for a loan from Halifax…