Your payment over the internet will have went via the bacs system which takes 3 to 4 days, LTSB wont see that payment hit your card until then, so by paying by debit card they can confirm you have made a payment instantly and release the funds. If the £300 was to clear the balance in full then its likely you will be charged interest for ...

Unless things have changed then running a card without a balance wont help increase your credit rating. You need to use it and pay it off to show you are a good payer. A dormant account wont make any difference as far as im aware. I'd make small tranactions, maybe just 1 or 2 per month and pay them off in full. Eco

The banks are under obligation to offer the typical rate to I believe 66% of successful applicants with the other 33% getting varying rates. This has always been the case. What you have experienced with the Co-op is no different to what countless others have with all the banks. As frustrating as it is its simply the way it works. I would suggest ...

So not really that long then. Just ive seen instances where a limit is drastically reduced after a large payment even when the account is well managed. Obviously this happens a lot when payments are late etc but ive seen examples where it happened when the balance was high for an extended period of time. Its as if the bank are glad to get them ...

You need two cards, one for balance transfer(s) and one for purchases.

CM: Hi, This is my first post and apologies if the subject has been raised previously. I normally settle my credit card sum in full each month to avoid interest. Two months ago, due to holidays, I miscalculated and underpaid, accruing some interest (Month 1). This I understood and increased the next payment (Month 2), to exceed the combined ...

Sounds like the lack of credit history is the problem here. Without having anything to judge your credit worthiness on they wont take the risk imo. Eco

Hey Mistral Out of interest, how long did you have the balance before you made the £10k payment? Eco

Your posts dont really make any sense to me so i'll leave you to it. As for assuptions, you seem to be making a fair amount of them.

I work for a bank that uses SMS to deliver its card so i've heard lots of stories about cards not being delivered or calling cards not left. Of course what i dont hear are the stories about cards being delivered promptly because why would I. People only call to complain not to say thanks. For all their faults im pretty sure they arent a ...