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Persistent debt letter from Vanquis explaining the maths
My friends son has had a letter form Vanquis to tell him he is in persistent debt. I am trying to explain the maths to him but he is not getting it, so can someone explain it in terms a 20 year old can understand please. He has a £1200 debit on his card and pays the minimum each month and has not spent on it since Xmas. He…
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Best card for regular 0% offers?
I’ve got a Barclaycard, Virgin and MBNA and regularly use them for large purchases and then transfer the balance to obtain the 0% offers. It’s worked well for a number of years but of late the Barclaycard offers have dried up, when historically they were probably the best of the 3. Can anyone recommend another card that…
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Barclaycard Amazon joke
Recently applied for the amazon barclaycard, simply to get the free £20 credit on amazon. The credit came through really quick, the card came a few days later. It tells me i have to register it on the barclays app, which i try and do but it always hangs with an error message. I phone barclays and they try various things…
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Interest free credit or credit card?
I am about to have some new windows and doors fitted. The company has “Buy now, pay in 12 months offer”. The monthly repayments are approx £400pm, or full payment in 12 months before a large interest rate is applied. Would it be better to apply for a 0% for 2 yrs card, pay for the widows in full and then after 2 yrs, if…
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How long before balance transfer goes through
Good evening I applied for a Santander every day credit card to do a balance transfer from my NatWest card. When I applied last week I put this request through at the same time. Got the Santander card and the separate internet login details this morning and set the online banking up and activated the card too. On the…
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Capital one payment plan
Hi I owe around £1000 to Capitol one and have agreed a payment plan of £60 a month. All interest has been stopped. I intend to pay it but would they let me use my credit card again once everything paid of. I have no other debts. TIA.
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PayPal/Curve question
Does making a purchase [over £99] via PayPal (which is defaulted to PayPal Credit as a funding source) which is then paid by PayPal debit card which is funded by curve which is rooted to a cashback credit card work fee free or does it attract "curve fronted" fees? I'm sure someone on here must have tried that. Just looking…
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American Express Cards Query
Has anyone changed from one card to another? We have a standard no-fee rewards card in an effort to save the points to convert to Avios for flights. This is our ONLY aim with the card - to help with flights abroad. We're thinking of switching to the British Airways card as we spend enough for the Companion voucher thing.…
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Unsolicited email offering refund on car rental insurance
We hired a car 18 months ago and suddenly had an email asking for proof that we had bought CDW insurance- which I provided- they rejected first offering from me, but accepted second document I sent (is that trying to lull me into security?). So now, for small refund of 28Euros, they want my card details to pay me back. But…
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safestyle door repairs
Safestyle installed windows and doors to my property on 13/02/23, and I paid the deposit with my credit card and the outstanding amount from my bank account. After the installation, I had some issues with the doors. Safestyle returned to make adjustments of the doors, as they did not close correctly. Unfortunately, the…
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Credit Card Eligibility Calculator - Workings
I'm about to look for a 0% no fee credit card to do a balance transfer so used the the eligibility calculator and found that Virgin was giving me a 0% probability(even when setting the transfer amount to virtually nothing) while Natwest gave me a 100% rating. I know that you can't know for certain what their selection…
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Nationwide Member Credit Card
I applied for a Nationwide Member Credit Card at 01:10 on Wednesday 6th May 2026. The application information, only visible for three minutes "to keep my data safe", said I should hear from Nationwide within 7 working days. I took screenshots. I heard nothing. I assumed (my bad) Nationwide were busy with Fairer Share and…
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Ample savings, lived in UK for decades *but* lived abroad for a decade
I moved back to the UK last month after a 12 years away in Canada essentially to retire early. My employment income is zero and I will only have a four figure annual pension for the next five years. However I have savings abroad which I am drawing from which are more than sufficient to live on. How should I report my…
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Managing a credit card responsibly after being in debt with a DMP/defaults
Hi all, I've just got my first new credit card in over 10 years after a period of being very in debt (all old CCs are closed/paid off). I'm looking for some advice/pearls of wisdom on how to manage a credit card so that it works to enhance my financial status/credit-worthiness, and generally make life easier! For context,…
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M&S credit card, Expedia problems
I recently signed up for an m&s credit card that is 0% interest for 25 months. I’ve got a limit of 6k and having been trying to book a holiday on Expedia for 1k, when booking the payment went through and then was reversed instantly. The card works with other merchants but seems to be a problem with Expedia and love…
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Flight refund on credit card after job loss
Hi, My wife and I were due to fly to Corsica on 28th June with easy jet and Air Corsica. I have just lost my job and was wondering if i can claim the flight costs back on our credit card?
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Trying to find a credit card debt financial adviser
Hello, After several years of juggling substantial credit card debt and now paying a lot of interest every month (a big part of our income), we are feeling quite overwhelmed and defeated and wondered if we could pay for someone to help us untangle the mess in the best way possible. We have tried to find financial advisers…
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Alternative to American Express card
I have had an Amex card for a few years, but find it is so often not accepted, I would recommend people think carefully about getting an Amex card because you will need another way of paying so many times… so I am looking for another credit card that also gives rewards. Are there any best or favourites here on the forum?
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Closing an old card vs not
I currently have 2 credit cards (both 0%): Chase - NIL balance - £7k limit Tesco - £2k balance - £6k limit Should I close the Chase card as I'm not currently using it, and don't intend to in the future? I'm just thinking of chances of acceptance for a new one, when the Tesco card ends, as my credit utilisation will go up…
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RBS Credit Card statement date
A bit of a long shot, but has anyone opened a new RBS credit card recently? I’m trying to establish how soon after 1st use a statement will be produced. (I’m using full credit card payment DD on unused current ac I want to switch but would like to know how long it’s likely to be before payment is taken?)
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.6K comments
Most recent: Buying discounted gift cards … by Tim_L
15 August at 6:07AM
