 I know how to reclaim all your unfair bank charges from the bank? |
Want to know how,
Has anyone else had success and if so how much, I got £2200 back in charges over a 6 year period.
Additional Details
well guys, see sarah lou's answer ... |
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 I need your help with a credit card question? |
| I hear a lot about credit line and really have not found what i want. When a person is issued something like an $800 credit line, what does it mean? It is the maximum credit you are given, but does ... |
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 Can I file bankruptcy if I don't own a home? |
| I am overwheled with bills and I have several bill collectors calling me all the time. I pay a high amount in child support each month and I have gotten so far behind I can't even think about ... |
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 Is there a difference between credit cards and debit cards? |
| I want to purchase something online and all i have is a debit card. So i was just wondering if there is a difference. If i were to fill in the particulars of my debit card when they ask for the ... |
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 How can I get a credit card with rewards when I have bad credit? |
| Hi. My wife and I both have terrible credit, and are looking for a credit card with rewards such as cash back or sky miles. We use our visa cards that are tied into our checking accounts so much ... |
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 How the crap can a young person with no credit build credit if they are always denied credit? |
| I am 22 years old with no credit history. I want to try and start building credit, but everyone denies me. Where do I begin?... |
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 I owe more than 50,000. Help, i'm in the deepest hole ever.? |
| I owe more than 50,000. and my husband doesn't know about it. How can I lower my debt? He's planning on "us" borrowing money, but who will lend us the money since I owe tooooo ... |
|
 After registering a capital one credit card how long until it can be used? |
| i have a credit card and i have activated it, but ive tried using it and its being declined. how long will i have to wait until it works?... |
|
 Do you have to be 18 to use a credit card? |
Im not 18 yet but my parents gave me a credit with my name on it but it is under her account. Will i be able to use it since when i show my driver license it shows that im not 18
Additional D... |
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 In your opinion, what are the characteristics of a good credit card? |
be realistic...
what makes for a satisfying credit card? what is the most important thing to you: access to cash, good customer service, low rates, rewards programs, billing options?
... |
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 Do banks refund money if your card has been cloned? |
Additional Details
Can I just add for all those people who 'don't understand' how a card can be cloned. I went to use it today and it was refused, phoned the bank and ... |
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 I was arrested in Nigeria and I've got a bank account worth millions...? |
| Can you give me your bank routing number so I can sneak the money out? I'll give you a million for your troubles.... |
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 I want to look at my credit history. How can I go about this? |
| I know that there are 3 major credit agencys. Do I just comtact one of them? How do I dispute it, if there is something on it that I don't agree with?... |
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willstricklandkms | Do banks raise credit limits on cards without you asking for it? |
Its just that I've noticed by HSBC Mastercard's limit has been massivly increased. I've had it a year, kept a good credit history, but never asked for the limit to be raised.
Is this normal procedure? |
 |
 
deborahballard1@btinternet.com
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YES IT IS NORMAL BUT BE CAREFUL AS THEY WILL EXPECT YOU TO SPEND MORE ON IT THE REASON THE HAVE PUT YOUR CARD UP IS BECAUSE YOUR A GOOD PAYER (SO WHAT YOU GOING TO TREAT US ALL TO LOL) |
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j.pee69
 |
Yes it makes you spend more so they can charge more!!! |
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Filthy Lucre
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yes...if you have a good payment history they'll do it. |
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Claire S
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Yes. They know you are a good customer now so they are encouraging you to spend more so they have more chance of charging you interest. I have an Amex card and they randomly increase the limit without even telling you! I just sometimes notice on my statement. If you don't want the increase then you can ask them to reduce it. |
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RICHARD X
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Yes they do, naughty isn't it. |
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Christina K
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Yes, to encourage you to spend more and get sucked in to the cycle of credit card debt. Only spend what you can afford to repay each month, or at least within a reasonable period. There are far too many people in the UK who have got themselves in to financial trouble by 'maxing' their credit cards. |
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Say what!!!!
 |
If you pay your credit card bill on time, you will get an increase without asking for it. You are in good standing with the bank, so they know that you will pay them without any problems. |
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Sal*UK
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Totally - pay on time and your limits keeps rising! |
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Zabes
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Yes, you can call them and request that they don't increase your limit anymore unless you apply to have it increased. |
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Eddy T
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Banks like you to feel good only in good times, but they also take away your credit limits in bad times. |
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charlie
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Yes. HBOS raised my Visa limit without my consent or asking me, and getting put back down was a nightmare. They kept telling me it will be useful in the future, and what about a loan instead of increasing my limit... |
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Wayne S
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Yes it is normal. They want you to spend more so that you will be tempted to spend more. If you do not increase your spending you have no problem and wouldn't worry about it. In fact it may help your credit rating since the percentage charged is smaller than the limit. |
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Chaos Theory
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If you have good credit and a good payment history with that particular bank, it's not uncommon for them to do that. |
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Gem*
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Yeah they do! |
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