-
Does this counts as cash advance
Hi, I have a 0% purchase credit card and I make a purchase (£250) at Tesco's including a £200 cashback at the checkout. Would the £200 be counted as cash advance by the Credit card company. I guess the credit card bank only looks at the total purchase made and not the individual items purchased or whether the purchase…
-
How do I work out my minimum monthly payment?
Hi moneysavers! Just a quick question I wanted to be sure I'm working out my minimum monthly payments out on my first credit card. Here's the deal anyway, I passed my driving test 10 months ago and got a £3000 loan over a year to pay for my first car and year of insurance, however I went with Elephant and took advantage of…
-
Balance Transfers that allow payments into bank accounts
I once did this with a Virgin card and now am looking at something similar. Do any of them still allow this? Thanks
-
Additional Card Holder
I don't have a credit card and can't get one due to having a Trust Deed. At the moment I'm trying to organise a holiday for me and my boy for the summer. I was going to go for a caravan or campsite in North Wales but have seen some late booking deals for Tenerife for not much more. I've saved some money towards this so…
-
How much would I need to pay
to actually reduce my balance. I have a Vanquis Visa (I know I know :o ) which has a limit of £2250 Minimum payment is usually £110 (interest estimated to be £113) but I always pay £130 and the balance on my last statement was £2197.22 .I have just paid off 2 Shopacheck loans (despite my collector begging me to at least…
-
STUDENT / SELF EMPLYED 0% balance transfer possibilities?
I have recently gone back to full time education and I work as a freelance photographer. I have in the past used balance transfers at 0% to save paying and reducing my debt. I have successfully consolidated with my own bank RBS to pay off a loan and credit card bill with them when I was earning over £20k to pay it off real…
-
MBNA - McAfee...I sense some future vent posts!
Greetings all, I recently noticed MBNA were offering me a years free subscription to McAfee, I'll leave aside any comments regarding this particular AVG software and hopefully others will too heh, anyway I investigated just out of interest and part of the trial process asked me to enter my card details..I was thinking to…
-
Does paying more than the min payment, affect my credit rating?
Hi Had a bit of a nightmare in the last 2 years, lost job through redundancies and subsequently my house (not repossessed but involuntarily sold before it was) as well as a 6 month period of unemployment. I ended up with a lot on credit cards as well as a few missed payment. My credit rating took a hit and I'm looking to…
-
Best cashback deal
According to egg I cannot change either my statement date or my direct date so I am looking for a new cashback deal. My issue is that the statement arrives but then it is 2 weeks before th payment gets taken and by that time I' using my card and the month never starts at zero. I pay off the balance in full so NEVER pay…
-
Ernest Jones - Santander Cards-A Joke!!!
Hello all! For the past 4 months I have been asking for copy statements as we never recieved them, I was told that I would be charged £10 but i said that that wasnt fair so he said he would send them as a one off... called a week later (date payment was due) and was told that I was a liar and Iwasnt told they would be…
-
Warning re escape card's
i would just like to warn everyone about these escape mastercard pre-paid cards. my partner and i both had these cards with money on them to use in case of emergencys. unfortunatly my partner lost his wallet yesterday and so contacted the escape customer services to report the card lost and to get a replacment card sent…
-
Balance transfer from different persons card?
Do credit card companies allow balance transfers from someone elses card? ie: I have a fairly large credit card debt with a 13.9% intrest rate. I am unable to get a loan or 0% deal as I am deemed to 'have enough credit' despite having a good credit rating. My partner is thinking of getting a credit card in his name and…
-
Activating Credit Card but not using it
Recently applied for a Credit Card with Halifax with the intent of using it to buy items online, but then paying it off immediately with the money I have in my current account. I changed my mind so have yet to activate the card, but he rung me today and told me I need to do it by Wednesday. When I asked what happens if I…
-
Credit card application - business telephone number
I'm in the process of applying for the MBNA Visa cash back credit card. It's asking me for a business telephone number. Which one do I provide? Would it be head office's number, the site I work at, or my own company mobile number?
-
Declined tesco credit card - will it affect credit rating?
Hello I applied for a Tesco clubcard credit card as we're getting married soon and have a few bigger purchases coming up. I have a bit of a funny address (actual address not always registered correctly on system but is all ok) and I also don't have any bills in my name as I live at home. The application has been declined…
-
Will i be able to do this???
We have 2 credit cards...both have just over 4K on them, they are just about maxed out, as trying to go get to maxed as dont want to go over the limit with interest charges. Anyway, we cant get another card to do a 0% as DHs income doesnt allow this, and dont want anymore anyway...but with both being at limit cant do any…
-
Refused credit and mystified.
I recently asked my bank of six years to give me a short term overdraft facility after I paid for a car with most of my cash from my current account (rather than paying for it with an expensive finance deal). The proposed £200 overdraft would be cleared by my salary cheque in less than three weeks. The bank refused,…
-
0% Credit Card vs 6.9% Loan
I have a question about an idea I have. I have been successful in getting an M&S credit card (the 15 month interest free) and I am most likely going to get rid of my current car. I have about £5k outstanding on my car finance, the car is worth about £7k So, I am thinking of asking for an extended credit limit (£10k maybe,…
-
75/25 Shared Equity Taylor Wimpey
What is the optimal repayment option to repay a 25percent share Taylor Wimpey have on my house worth £196,000. From day one they own £49,000 and I have 10 years to repay them back but as the years pass, the value of the house will go up and therefore the repayment will be greater. eg if the house is worth £250,000 in five…
-
Advice on cashback/reward cards?
I have just recieved my new Halifax Clarity card. I was putting all my spending on the M&S card to get there rewards before this. So I will only spend £300 on the Clarity card to maximise cashback, my question is I usually spend about another £200pm what card is best for this spend? do I stick with M&S? as I dont see it in…
