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I call this a bait and barter company. Last January I ruled that I wanted to get a credit card, and with a credit rating of 720 points I tried the Quicksilver card and was accepted for $1,000. Mir was said that the 12 month interest-free spelling mistake was incorrect and should be 9 month.
Well, I said they should respect it anyway, but they didn't. It was also said to me that after 5 month of payment I would be entitled to a raise of the limits. I still didn't get one after 6 month and was asked to order one on-line. Eight month later, I was cleared for a full $100 raise.
I' ve been informed that the interest rate would be 22,99% after the free time in April. Mr President, three months ago I tried again to raise the card and was informed that my application had been rejected because the use of the card was insufficient. Weary of the Capital One lie, my father-in-law tells me about Discover and it's the only card he's had since 1982 that had nothing but a good deal with them.
Well, I submitted my application and was immediately cleared for $6,000. While I know it may not be so widespread, most places I go to are accepting Discover. As soon as my credit line gets higher, the Capital One card is gone, like a close one. I' m just sick and tired of Capital One's lying and deceiving me.
Some of them had a pleasant deal with Capital One, I know, and I wish you all the best if you do.
What to do according to § 75 of the consumer credit law
Card issuers are collectively liable if you have a issue with a particular item or services, if you have used your credit card to make payments for £100 - £30,000 of it. That means that they must help you according to 75 of the consumer credit law to reclaim the funds from you.
These include all credit card, customer card, branch loan and some auto financing contracts (not lease purchase). If you have ordered a good and the dealer has gone into management or vanished before you receive it, you can assert it. Demand these back from your credit card company (even if you have your bank with them).
It is a good suggestion to use a credit card for over £100 shopping, at least in part, as your transaction is sheltered. It is a secure wager because you do not have to spend the whole amount with your credit part, but if something happens, your credit card company should help you reclaim the funds.
Ensure that you keep all your receipt and credit card statement in case you need to file a complaint. It is advisable to consult the merchant you ordered from if you have problems, but you do not need to, as your credit card company is required by law to help you.
First, you should get in touch with the credit card company through their credit card helpline to clarify the issue with the bank information, billing information and your full name on the bill. This is a complete cover note describing the precise type of request and what you have done so far to solve it. Copies all extra charges to the company if they are not made on the credit card.
An example of this is proof that the company is no longer acting. So if you have a credit card issue that falls under section 75, please read our Visa Chargeback guidelines. There must be at least 100 in present value for an article (this rules out shipping and handling charges), so if you buy a couple of articles totalling 100, you can't ask for section 75.