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Two Promo Rates on One Card
Hello everyone, I was hoping for some advice please. How would it work if you opt in to a new promotional rate on a credit card with a promotional rate already currently in use? For instance: If the card had a £1000 balance transfer already made on it which is 0% until May 2012 and today I opted into a new promotional rate…
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Capital one- limit increase
I have had a capital one credit card ( credit rebuilder style) I currently have a £200 limit and I pay it off every month completely, I just wondered if anyone has any experience with this and when I should expect and increase please? also is paying it off in full the best way?
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Reduce limit or transfer?
Hi I have a CC with a large limit with lloyds and i have been transferring off it to 0% deals. I now also have a barclays which has ended (not one of the new 0% deals as i have had this card years) and the balance would transfer just to the one with the large limit. Therefore is is wiser to keep the barclays as is and…
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Halifax £1 daily overdraft
Hello, I am getting charged £30 a month as I am always in my over draft with Halifax. I am getting this £5 a month credit into my account as I am paying in more than £1,000. I want to get rid of these monthly fee's and I was wondering if anyone had any advice about the best and cheapest option to do this?! I did look at…
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How to use credit card to pay wedding costs
Hi My partner and I are getting married on 3 August 2012 and our venue have suggested that we pay off a lump sum by 3 August 2011 to get 8% discount on that amount paid. We are also currently in the process of buying a house so our money is pretty much tied up in that. However, we are still keen to pay off approx £5000…
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Joint Mortgage After Couple Have Separated
Hi does anyone know if/how I could go about having my name removed from a mortgage I had with my ex-partner? He has been paying the mortgage himself since 2009 when I moved out but my name is still on the mortgage, which means I am unable to get another for a house with my son and new partner. Is it going to be case of my…
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Money transfer card?
I'm looking for the best deal on a money transfer card i.e. small/no interest, if they still exist? Bit worried as will also be applying for another in Sept to cover an old 0%er, not sure whether this is the best idea, although I have a good credit rating? Many thanks for any advice folks :)
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tesco credit card - whens best to make an additional payment
Hi all recently got the tesco credit card at 0% to ensure that it is cleared by the end of the deal, i am going to a set amount each month, £100. The first bill has come and the minimum payment is £25. To ensure that i do not miss payments etc, i have the card set up on direct debit for the minimum payment. They are due to…
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Credit Card Fraud!!!
Hi Guys, Just wondering if you could help again - I recently posted that my credit card was used fraudulently... I have notified my bank, and everything has been cancelled as per their security policy. What I am wondering about now is can the bank/merchant tell myself, the customer, who used the card, where they used it…
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How long do I need to wait before upgrading?
I have my first CC, never had any adverse credit, in fact until recently never had any credit! But I took out a CP1 credit builder, to be honest its a love hate relationship! I love to use it but hate the limit! I pay off in full each time I use it, but am starting to wait until the statement comes through to pay it off…
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Old amex v Old Cap1 cashback Q
Bit confused here I have an Amex cashback card, the 5% period is over I have a Cap1 cashback card, The bonus period (think it was 3% is over) So on both cards I'm into the tiered cashback bit. I spend c.£1500 per month on a credit card, I've tried to work out which card is best to use. Monthly v Yearly etc any help /…
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Credit Cards Help
Hi all I've 2 credit cards that have both reached their limit and would like to get them both onto one card so I only have one monthly bill. But I can't transfer one to the other as they're both at their limit. Any ideas?? Thank you
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0% question
Hi, I've just been accepted for a credit card with 0% on bt's for 14 months and on purchases for 3 months - I've transfered £900 from another card and am considering making a purchase of £800. My question is, if I do make this purchase, will I have to pay off the full balance including the bt within 3 months to avoid…
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Advice needed on new credit card 15months%
Hi All, We haven't had a credit card for years, but have recently got a Tesco credit card with 15months interest free, and with a £5750 credit limit. We have just used it for a £1000 deposit on something, and i want to ensure i've got things right. I should set up a standing order (or direct debit) for the minimum to be…
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Capital One Query
Applied for a Capital One Classic, history not great and want to rebuild. Filled the form in last week, got accepted and PIN came on Wednesday. Card turned up today, completely different design and with the Capital One extras info. Looked at the agreement, and its APR starts at 29.9 and not the 35.5 I was expecting. Looked…
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Help!! Do I transfer balance or withdraw from ATM with my vanquis card?
Hello all, I have a bit of a problem. I have a small Pay day loan which is due in a few days and I have no cash to pay it, the only option I have is to use my Vanquis card. The thing is I dont know whether to pay the loan directly using the Vanquis card which is considered a balance transfer and means I will receive…
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Which is best credit card for using a foreign website to book flights?
I know on the money saving expert travel money bit it recommends the halifax clarity credit card which offers 0% on loading for purchases say in a shop but does this count also for using a foreign website to book an internal flight? i know obviously the website itself may charge me a fee for using the card but does…
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Quick Credit Card question
Hi Me and my partner have just got a credit card with so many months interest free on purchases. My question is does a holiday count as a purchase or cash ? Just dont wanna get stung with interest. Thanks and sorry for the daft question
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Credit Card Help
Hi all, I have had in my life 2 credit cards, one that has been shut down to inactivity and one I still have with LLoyds(which I don't use). I applied for the Tesco 0% card as I need a 0% for a holiday, but I was refused. I was wondering if it was worth applying again soon for another 0% card. I have just started banking…
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Increasing Limit on LTSB card on online banking
Hi, Does anyone know if you can increase your limit on your LTSB card online more than once in a 6 month window. My card started with a fairly small initial limit and at 6 months they allowed me to increase via online banking which I did, albeit at a very conservative amount as I didn't know if it would go through or not.…
