-
BA Amex premium plus card warning
Just a warning about this card, which was advertised with a £250 fee in exchange for a business class companion voucher after a £10,000 annual spend. They just increased this to £15,000 mid-year (so I now need to reach £15,000 in my 1st year or £10,000 by November). So, if you are thinking of taking out one of these cards…
-
Keep Balance Transferring between two Cards
It's only a theory but could this work if the providers kept allowing the option for balance transfers: Say you have a BT option on one card with an unused credit limit of for this example £4,000. (Card 1) You are carrying a substantial balance on another card (Card 2) Card 1 allows you to complete a BT for a fee, so you…
-
Beware Paypal Credit - Musk didn't become a billionaire for nothing
I've just had a shock to find I had nearly £2k worth of uncleared balance in my Paypal Credit. It started when I made a few large purchases a couple years ago on pay in 3 or 4, I assumed my payment to PP credit would be adjusted accordingly so I wouldn't incur interest. I also started using PP credit for smaller purchases…
-
Barclaycard lowering minimum payment
Can someone check my maths? I've had an email from Barclaycard lowering my minimum payment My current minimum payment is 2.75%. I don't think that £240.31 is 2.75% of £7,500, and I also don't think 1% of £7,500 is £202.81. Unless I've misunderstood the email?
-
Barclaycard Rewards replacement
Barclays have just sent me an email to let me know that "following a review of our credit card products" they are increasing my interest rates on my Barclaycard Rewards account. Now, I always pay my balances in full, but this is a hugely irritating increase, completely out of the blue. In the past their increases were more…
-
Halifax Credit Card statements arent available for 2024
Hey everyone, I'm reaching out to see if anyone else is experiencing a frustrating issue with their bank regarding missing PDF credit card statements. Since the beginning of 2024, despite selecting online PDF statements as my preference, I haven't been able to download a single statement. When I log in, it simply says, "No…
-
Halifax Clarity Card
is Halifax Clarity Card still a good card to take with you to spain?Thanks,Steve
-
Nationwide Interest
Please can you tell if I am missing something. I paid my CC bill off the day before the payment was due as I always do. I opened this month's statement and found I have been charged interest. I've just phoned and they have told me that I will now have to pay interest on anything I buy on my CC even if I pay my bill off in…
-
LBG change of address issue
I bought my current home about 6 month ago. Mortgage is with Halifax, so the address on my current account was changed without me doing anything. I was then reassured that I don't need to change the address on Bank of Scotland system. I cannot recall the details, but I somehow updated the address with Lloyds as well.…
-
Just to double check
What would be the best option for us for going abroad? So we are are going abroad soon to Zante. I just want to know what's the best option for us. I have a barclaycard credit card with 4125 quid balance via a money transfer. The money transfer is 0 percent for a year as long as we pay the minimum. I have 874 quid left on…
-
How to use credit cards to boost credit score
Hi there, It's probably been asked a million times before but here's my situation. As a married couple we're basically debt free aside from our mortgage. HOWEVER.. our credit rating is low for both me and my wife. We have access to the TransUnion credit rating system. On my personal credit rating it says I am not borrowing…
-
Credit card for car hire
Hi. We intend to travel to Europe in the summer and need to hire a car. I’ve managed to do this in the past using only my debit card. We’ve just returned from Northern Ireland where I got caught out and they wouldn’t accept my debit card. I had to pay an extortionate amount in insurance before they would let me take the…
-
Advice on cashback credit cards
Hi, I used to only use the nationwide credit card, until they cut their cashback to 0.25% Then I got a AMEX cashback credit card and was using that but they also cut their cashback rate (after all the bonus periods) to 0.5% I think. So wanted to check what the general advice on cashback credit cards are? Especially AMEX.…
-
Barclaycard refund letter
Just got a letter from Barclaycard regarding a refund because they “didn’t contact me when they should have in the past”. No other details as to why I’m getting refunded but it is not an insignificant amount of money. I am delighted of course but confused. Anyone else got one or know any more?
-
Guidance/Advice
Currently, I'm in the process of trying to borrow more money to renovate my house by adding it onto my current mortgage. Over the past few weeks, I've noticed that my credit score is good to almost excellent on all other agencies like Equifax and TransUnion, except for Experian where it is labelled as fair, only 18 points…
-
Amex supplementary cardholder
Just wondering why Amex doesn't want the supplementary cardholder to make payment to the card. Sometime he/she uses the (supplementary) card for a purely personal purchase and wants to clear it asap so he/she makes a payment as soon as the charge appears in "Recent charges". Well Amex apparently doesn't like this, and…
-
Barclaycard interest rates notification
I've been a customer of Barclaycard for years. I received an email from them to say the interest rate on my card is increasing, from 11.8% to 21.8% ! I understand everything increasing but nearly double! I've always made payments on time. Has this happened to anyone else? I'm looking at changing cards, any recommendations…
-
Barclaycard rewards card cashback
Hello. So this card says 0.25% cashback on purchases. Does this Include things like water bills, council tax etc?
-
Which credit cards are currently the best 0% balance transfer?
Which credit cards are currently the best 0% balance transfer?Thanks James
-
Credit card transfer to spouses account
Hi I want to transfer my credit card bill to a 0% and although my credit is fine I quite simply don't earn enough to get a 0% one. If my husband who is our main income got a 0% card could I transfer my balance to his card? Many thanks