Help!
Hi All, I went to Italy in August and staying in both Pisa and Florence, booked two seperate hotels with Travel Republic. Had issued with both the bookings, first booking in Pisa - Air Con didn't work...
View ArticlePoor credit rating because old accounts not shown
My credit rating is poor and I have been refused a second credit card, once I checked with Experian and two accounts are not listed. I chased Natwest and finally got one on there but they still aren't...
View ArticleAdvice on my credit card please?
Hello all, I have a credit card with Vanquis. I have had it only since August so not that long. I made my first repayment recently. The interest is very high so my plan is to keep the card for six...
View ArticleBuying pre-paid cards with a credit card
I'm considering buying a pre paid card with my credit card to earn some extra air miles and then pay off the credit card balance with the pre paid card. How feasible is this? Has anyone had any...
View ArticleOld store card
I have a few debts, most of which I am paying off via a DMP. I have 1 debt not included in this, a store card with Santander. The total borrowed was £350, in 2006. Since then I have been paying minimum...
View ArticleFrozen Credit Card - can I use it for a balance transfer?
I had a Paypal credit card, which was then transferred to Santander and they then stopped offering it. I was advised that my interest rate (just over 12%) would rise, so I asked to freeze the account...
View ArticleBarclaycard Mastercard on line fraud
I recently checked my on line B/card M/card a/c (which my wife and I have had for over 20 years) and noticed an extremely high amount in pending transactions. I immediately called B/card and was told...
View ArticlePoor credit rating and high rate cards
I have a poor credit rating due to some old defaults from before my divorce. These are dropping off now and are mostly paid apart from one which is charging a massive rate of interest and I am paying...
View ArticleHow long for a balance transfer?
I applied and was accepted Monday just after 5pm and requested a balance transfer during application. Online today, my account still says its a pending transaction but has been authorised. I was...
View ArticlePaying off credit cards - credit report/score questions
We are currently in the position to be able to pay off our two credit cards in full this month in one big lump sum. We currently have really high limits on them as well (10k available on each). We're...
View ArticleAqua card payment
Hi all I am new to the forum. My question is I have an aqua card and I paid my balance in full through my bank using the bank giro credit, I paid with cash. When I check my statement with Aqua online...
View ArticleWorking out amount owed
Hi! I've got a card with several different balance transfers onto it with different expiry dates for the offers, but the interest is reported separately for each transfer and I can't work out how much...
View ArticleHow many people have been initially accepted for barclaycard?
Hi, just a quick kind of poll. how many have been accepted for barclaycard then had the card before being told the account was closed/declined after further consideration? did anyone request a balance...
View ArticleVanquis - Cowboys to be avoided!
Ok, a bit of background. Back in August 2009 I went bankrupt after a series of events over a few years. It began with supporting my parents when my Dad got seriously ill, relocating for a higher level...
View Articlebest credit card to go for
Hi, I am fair new at rebuilding my credit just like a few of the users here. I have not had a terrible history with credit only unfortunate thing is a default which i have on my record. At the time...
View ArticleBarclaycard Minimum Payment
I set up a standard payment on my Barclaycard for the minimum amount (to avoid late payment charge). Then a few days before the due date I deducted the minimum from the outstanding balance and paid...
View ArticleInternational Purchase
Hello I am about to make a direct booking for a US hotel. They only quote prices in dollars. When using my credit card, who is responsible for the exchange rate? Is it my CC company? If so, at what...
View Article0% Bal Trans & 0% Purchases - A bit of help please!!!!
Hi all Trying to get my head around this. I have a new credit card 0% on Balance Transfer for 26 months and 0% on purchases for 12 months. I have balance transferred across and i have divided this...
View ArticleWhat does balance transfer involve?
My bank, Lloyds, has written to me asking me to transfer my Capital One balance (£2,800) with a 12 months interest free offer and a charge of transfer charge of 3 per cent. I currently pay an average...
View ArticleReapplying for credit cards after IVA
just wondering if I should avoid credit card companies that I dealt with for an IVA a few years back. I am all clear and debt free but looking to make a £1000ish purchase. I have savings to pay it but...
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