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Credit Cards v Loans
i have approx. £15,000 worth of debts (Credit cards & a loans). I want to pay them off eventually (approx.6 years) and want to know it would be best to get a straight forward bank loan with interest or keep getting 0% credit cards and changing them to continue 0% and use the same amount i had set aside to pay the loan off…
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0% Needed for £2600
Hi I have just purchased a car and only need £2600 and have been looking for days and think 0% credit card may be best option as I want it paid off asap - probably 12 months. Whats the best cards? But as I need to pay/transfer £2600 is there any way I could get a guaranteed limit? If I can't looks like I'll be getting a…
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Electron Cards now Visa Debit Cards?
I got an Electron card solely for flights on budget airlines. I would use it on FlyBe and EasyJet flights to wipe out charges. Today I used it on FlyBe and it wouldn't go through. I phoned FlyBe who told be that all Co-Operative Bank and Halifax Electron cards are now migrated to Visa Debit cards - this now carries a £9…
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Barclaycard - have I just had my identity pinched?
I applied online for a Barclaycard two days and got the response that they needed to check a few things first and would get back to me in a couple of days. I've just had a call on my work phone from someone saying he was from Barclaycard and just needed to confirm a few security details - my date of birth, first line of my…
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Getting cash from a credit card
Hi everybody, Obviously I am aware that if use my credit card in a cash machine to withdraw cash, the credit card company will charge me a ridiculous amount of interest on that transaction. But I was wondering, if I use my credit card in a supermarket to pay for a weekly shop, then get say £30 cashback from the till, will…
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American Express "Purchase Protection"
Just got an American Express Rewards card, and it mentions "Refund Protection" and "Purchase Protection" I've had a look here - http://www.americanexpress.com/uk/express-rewards-credit-card/#sub3 - and I think I understand "Purchase Protection" (90 days theft / damage insurance on everything you buy with a £50 excess...),…
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Barclaycard - Do I need to confirm safe receipt ?
My wife received her Barclaycard a few weeks ago and called to activate it as the sticker on the card said 'Call now to activate', she ordered an additional card for me which on the sticker says 'Call now to confirm safe receipt'. I am sure I read somewhere that the card is already active and 'Call now to confirm safe…
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best credit card
hi i am loking for a new credit cards with either cash back or rewards the card i currencly have is stopping its reward scheme interest rate not an issue as i pay my balance each month do not want to pay a annual fee if i can help it TIA
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Partial Payment of Bill
I remember Martin stating on a radio iinterview once that if you only pay part of a bill with your credit card you were still protected for the full cost of the item. Does this still hold true ? I am looking to pay a small portion of a garage bill with a credit card and wanted the extra protection.
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JDWlliams
have got one of these accounts with £100 limit. Have bought two things from there and paid twice will the limit go up or just stay as it is?
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Halifax Clarity Vs Nationwide
Morning, I have just got a Halifax Clarity card but my brother is saying is Nationwide Credit card is better as when we go to the States he gets a "business" rate?? Anyone know what he is talking about???
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Should I close my high limit card?
Hi, I'm hoping somebody could give me some advice, I have a high limit Halifax credit card that I have paid off, it now has a zero balance. I got the credit card many years ago, it was the first credit card I had and it had a limit of £200, now over the years the limit has increased to a whopping £14,000 (which is a bit…
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access to account changed
what is this? i signed in to capital one and it says
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Info on credit card interest free period
Hi All On one of my credit cards, I've been unable to clear the entire balance for the last few months and have therefore been paying interest - not a problem with that. However, my monthly statement was produced on the 6th and whilst I can clear the statement balance in full this month, I have had to put my car insurance…
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Natwest Credit Card "Upgrade" to Yourpoints World Mastercard
I received a very cryptic letter from Natwest today (with the letterhead proudly stating stating "Helpful Banking"!) to inform me that as a "thank you" for using my Natwest credit card (which I've had for 10+ years), they'd like to upgrade me to an exclusive new card. They then go on to tell me that I'll receive my new…
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AmEx Corporate Cards
Evening... I am due to start a new job and am eligible for a American Express Corporate Card which will certainly help with all the travel expenses i will be using. I have asked the HR people this question but they are unsure of the answer and as i have not started yet i dont have anyone else to ask. I have been eligible…
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'Specially selected' for Vanquis card
As the title says. Obviously that does not mean i will definately get one. Ive a rubbish credit history. But over the last 5 years every penny ive spent is my own. Should i go for it to rebuild my credit history or stick to my top up mastercard and get one of those £60 loans for the year to improve my credit rating. Like i…
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Flight refund on credit card
Situation: a friend has paid for a friends flight to England but the traveller won't get a visa in time so the flight won't be used. BA won't refund - flight was paid for on her Tesco Credit card. Is there a possibility she can get something back from the credit card co. ? Think I know the answer but thought I'd ask before…
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Making a payment to POST OFFICE mastercard
I usually pay by internet banking and it tends to take about 4 business days for the money to be credited after I have initiated it. If I take cash into a post office branch and pay using the bank giro credit slip, will this be put on to my card faster? There doesn't seem to be any info about how long it takes for payments…
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Holiday deposit on credit card
We booked a holiday for next october and had to pay a £1500 deposit (on our credit card). My husband has now been made redundant and we cannot afford to go. The holiday company won`t give us our deposit back. Are we able to claim it through our credit card company?
