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Credit card refund
I was wondering whether anybody can assist me. In July this year I made a purchase from a DIY discount store on Canvey Island where I was working. At the time I was given an old fashioned pape slip as I was told that they were changing bank. Upon getting home I realised that the item I had purchased was no good and upon…
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Skycard upped my limit without asking
Ive just checked my online skycard account, that I used for the 0% on purchases until jan07 deal, and I see they have upped my limit without telling me by £1k. Can they do this? how much would this affect applications to other credit cards?
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why was i turned down for cc
hi I have obtained a free trial of my credit report and everything seems ok. I have only lived at my current address for 2 years 2 months and have only been with my bank for about 3 years. Have a mortgage and another credit card (£1500 limit) never missed a payment with these. I am on the electoral roll, but don't have a…
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First Credit Card
Hi guys Im after a bit of advice. Im looking to get my first credit card, but dont really no what I should be looking for? Ive been through martins question for choosing a credit card and as I spend under £5,000 and will be paying it off monthly, the Morgan Stanley Platinum. I think i need a high income to apply for a…
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SkyCard
I applied online for a SkyCard a couple of weeks ago and haven't heard anything yet. As SkyCard is operated by BarclayCard, are you more likely to get accepted if your a BarclayCard customer already?
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Marbles - negotiate is the key
I have had my marbles card for over a year now with a 1k limit. I regulary pay off the card month to month and decided when i had a nil balance to call them and see if they could negotiate a better interest rate. answer no. I asked about balance transfers, i was told i could have an APR of 9.9% for 6 months, I said no they…
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EGG cash back - BEWARE!
EGG promise 1% cash back on all purchases on their Egg Money card but I've discovered that every month a few pence or pounds have been deducted from my cash back. I complained 3 months ago and the complaints department confirmed that the Operations Team are making the wrong calculations so they reimbursed me, and promised…
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can i do balance transfer from spouse's card
hi all been accepted for a hsbc card with a 3k limit and 12mths o% balance transfer. now what i was hoping to do was transfer my wife's card balance on to this but am not sure if this can be done. any help would be gratefully recieved. best wishes alcamist
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Payment protection/card protection plan
Can these be taken out independently from the card issuer saving you money? Or indeed are they really needed? I'd hate to think i'm not covered when I really should be. Thanks, Pete.
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MBNA problems whats going on i am very angry
I have applied to MBNA last week for a 0% til november next year i did the application over the phone they said the application should take around 48 hrs to reach underwiters i could phone them if i wish ,i rang them last night they had no application on the system.I was advised by them to make another application over the…
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post office 0%
hi there - a few weeks ago i applied for a post office card with its 0% transfer fee and also got my oh to apply a week or so later. he called up today to transfer and was told that there is a 2.5% fee.... i am sure this was not the case when he applied but is there any way we can find this out? some of the paper work…
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who owns who
can someone advise me ,i have 4 cards,mint,virgin,marbles and lloyds tsb.Im looking to transfer 2 accounts onto 0% cards but dont know who owns who,any advice would be appreciated,thanks in advance.
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Overdraft
I currently have an overdraft of £4500 which I intend to clear wihin the next 6 months. Could somebody tell me which would be (f any) the best card to transfer this amount to , preferably a 0% card with no balance transfer fees Is this possible or could somebody suggest any other alternatives that would stop me incurring…
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Penalty for going over balance?
I have a Nationwide Gold Card currently on a 0% interest free rate till February 2007. OH & I just got back from the US, where he made a large purchase on the card. We were able to get Nationwide to increase our limit before we went out there, but I miscalculated the exchange rate only slightly and found myself having gone…
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paying off a loan
Any advice on a credit card that I can BT a loan onto and pref fee free?
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Does Amex offer any special BT deals? (Existing customer)
Amex has increased my credit limit substantially and I am in need of some money to help with my house buying. I don't want to apply for any more cards as 3 of my stooz cards have to paid back fairly soon. I should be able to pay it back within 4 to 6 months when I sell some investments. I can't find any special deals…
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Appealing MBNA rejection letter - help!
I applied for an Abbey credit card (MBNA) recently and was turned down. The MBNA letter says I may supply additional information should I wish to appeal the decision. Has anyone got recommendations on what information to supply? Does appealing such decisions work? I have no debts. I've been on the electoral roll. I've had…
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Cards which don't charge fees to bookies
Hi, I was using my egg card this month for doing bets on gambling sites for match betting.Unfortunately i was a bit ignorant and didn't realise id be getting charged for cash advance when depositing money into these sites.Anyway my mate said there are some credit cards which don't charge cash advnce fees for depositing in…
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B'card transfer fee question.
Just got B'card statement. Recently cleared the balance and then transferred balance from another card to get a lifetime low rate. There was a 2.5% fee which I was fully aware of. The statement today shows the interest on the transfer but also interest on a standard balance. Now, I know the card was clear so what is this…
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G E Money-won't collect D/D
I recently got a G e money credit card(3% cashback) but they didn't collect the direct debit and tried to charge me interest and a charge of £15 for late payment. After 3 'phone call (2 of which cut me off after exactly 30 mins of waiting) they dropped the charges and said they'd collect the correct owed amount with the…