Mint over limit charge
I went over my limit in October and Mint applied the over limit fee, which I was expecting. I then paid £300 in November to make sure this wouldn't happen again. December's statement came and Mint had...
View ArticleBalance transfer while out of work..
I have about £1600 on a Tesco credit card and currently have found myself out of work. I would like to transfer the balance to one of the 0% deals out there but know employment is a question that will...
View ArticleA couple in need of a credit rating!!!!!
Hi all, Well the title says it all really :) We need a credit score/rating. Recently we had an accident in our car - nothing major - phew!! But we got a courtesy car and when we went for a drive the...
View ArticleMinimum payments
I've read a few posts on here advising anyone to make more than the minimum payment, even if £1 more. I have a couple of 0% balances at the moment, and I'm making the minimum payment on them. Is this a...
View ArticleA quick question about interest free periods
How many people out there have taken advantage of the 0% interest free period on a new credit card on either balance transfer or purchases for a nominated length of time? But assumed that there would...
View ArticleCan I transfer money from my Tesco 0% on purchases card to my current account?
Hi I'm a newbie to credit cards in fact this is my first one and don't wanna make any mistakes I can't afford to. I got it to make some purchases over the xmas period having started a new stable job...
View ArticleHow 'holding a balance' effects your score?
I'm 20, and I've got a BC Initial (£800) and a Cap One Classic (£500). I hold a balance of around £700 total over both cards, and I am paying just over the minimum every month. Just wondering, how...
View ArticleHelp! Advice to best negotiate interest rates down for £20k debt
Can you hep! I have a dear friend who is has a £20,000 debt on a few cards and missed a few payments. I have advised then ensure they create a standing order to meet minimum payments. I said they could...
View ArticleHSBC Credit Card
Some help if possible, my mother in law received a call from the bank wanting to know why she hadn't paid her minimum payment, she indicated that she hadn't used her card and therefore had nothing to...
View ArticleTesco credit card fraud
I have a Tesco credit card, I went online yesterday to check the account on line and noticed a suspicious transaction. It was for £1,700 and was a money transfer. Tescos were rung immediately, have...
View ArticleDo I need a credit card?
Hello, I promise this post isn't here to wind people up, it's a genuine question! I have switched my spending onto a Halifax/BoS cashback credit card, of course paying back in full each month. I'm...
View ArticleHow to figure out whats owed on credit card
Hi I have a credit card with two different rates, so its hard for me to see how much I owe on the one rate, as the laws changed midway though the term: used to be that payments would go to lower...
View Articlere-cashback
Hi Guys. Can anyone tell me if I get 5 % cashback on M&S gift vouchers, et.al, using my new Capital 1 Aspire Credit Card.?
View ArticleCredit card part payment
I'm having a bit of a problem with my HSBC credit card at the moment. Basically, my bill is almost due, and I'm awaiting a refund. I know from experience that refunds cannot be processed if my credit...
View Articlecombined purchase and balancer transfer cards
The golden rule used to be to never ever purchase on a balance transfer card and vice versa as that was a sure way to get suckered in to paying hefty interest rates. Has that advice changed now because...
View ArticleTransfer balance and then back again?
I currently have two credit cards: - A Halifax card with a balance of zero - A Virgin card with a balance of £3500 Virgin are currently offering 0% on balance transfers made before 31/1/2013, so my...
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Citibank Prepaid Card - Is there an Account Maintenance Fee?
I recently received a Citibank Prepaid Card through the Nikon cash back scheme, card was topped up with £35 which I have now spent. Checked the Terms and Conditions on the card and it appears that the...
View ArticleCredit card direct debit....
:wave: Afternoon, We got through our new CC today and DH has phoned them to arrange the BT, all done, he also asked to set up the direct debit. They advised that the statement will be produced in Jan...
View ArticleNeed help with Aktiv Kapital UK Ltd
Hi All My Girl friend has just started getting letter for the above, so i sent up a email address and email them. The below i what i sent because i she told me the debt was form years and years ago. I...
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