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Order of payments - two 0% balance transfers
I currently have a 0% offer expiring on a Barclaycard in November. I have just been offered a further 0% for 15 months. I don't want to clear the balance of the current 0% until it expires. If I do a further BT now with a different end date, come November, if I pay off what is left of the current BT, am I right in thinking…
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Which 0% balance card to apply for?
I am planning to apply for a 0% balance transfer card. I understand that if I get rejected it will affect my rating. So is it better to try for a card with such as Barclay card gold rather than the platinum in the hope they will accept my application rather than risking a rejection? The platinium one wants an excellent…
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Capital One Classic limit at £2,500
Hi I got my Capital One Classic card around 18 months ago. Started with a £500 limit, increased to £1,500 and then to £2,500. I don't have a problem with this limit (I accepted it) but I thought the Classic had a max limit of £1,500 according to their website? Generally just interested, has anybody else had such a limit…
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shall I cancel Old cc after balance tfr to 0% cc
Hi, I am using HSBC credit card which has got outstanding balance of 4500. I would not be able to pay this amount fully and do not want to attract 19% interest rate, so I am thinking to transfer the balance to 0% barclays credit card by paying 1.5% transfer fees. However, I would still like to use by HSBC credit card for…
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Transferring balance from euro credit card to UK credit Card
I had been living in the South of Ireland and recently went travelling for a year and was using a Bank of Ireland euro credit card, I have now returned home and am living and working in Northern Ireland. I had some money left in my Southern Account which I had used to pay off some of my credit card balance but as there is…
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Application for 22 month 0% Barclaycard with 1.45% fee
I have just applied for a 22 month 0% Barclaycard with 1.45% fee for someone else and I got the following message, "Based on the information you provided, we can’t offer it at the APR you initially applied for. We’d like to offer you this: Barclaycard Platinum credit card with a 19.9% Representative APR (variable) 2.9%…
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what is classed as a good credit score?
hi can any1 help what is classed as a good credit score nowadays? xx
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Vanquis Balance Transfer
I just successfully applied for a Halifax CC which offers 0% on Balance transfers and purchases for 11 months, called up to transfer balance from a Vanquis card and was told it was not possible! Surely this is illegal ? Any help much appreciated.
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"Missed" payment due to mystery error
Hi all, Last month I decided to up the direct debit monthly payment on my Barclaycard. I used the dedicated feature on the Barclaycard website to do so, and everything appeared to go through OK. However, come payment time, something went wrong and the payment didn't go through, despite there being enough funds in my…
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Paying off a car loan
Hi All, I've searched the forum but could only find an old thread regards this - sorry if I missed any others. I have a car loan that I'd like to pay off with a credit card and have two options. A cash transfer to my current account at 4% or I could open a 0% spending card e.g. Tesco currently looks like a good deal for…
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Do CC Companies Rembember You?
Had a Barclaycard probably over 15 years ago, got into trouble with repayments but paid it all back eventually but like I say, over 15 years ago now. Would Barclaycard have a black mark against me on their own systems let alone doing a credit check on me? Would they just type my name into their accounts and it would come…
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section 75 claim problem
I bought a second hand car from a dealerfor £900 over the phone using my Lloyd's tsb credit card after seeing the car advertised on the dealers web site. i was assured by the dealer that the car was in good condition with just a few scratches around the body and it was a well looked after little car. the car was delivered…
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unpaid cashback
I have just recently realised that i have never been paid any cashback from my MBNA credit card. When i asked why they said that we don't pay anything under £10. I know its not a lot of money but i think that people should be made more aware that they will need to spend more than £2000 annually to qualify for any cashback.…
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credit card to use in usa?
Hello I've never had a credit card, have no idea what I should be looking for, but want to get a credit card to use on a trip to New York. It will be both to pay gore things and potentially withdraw money. I plan to pay it off right away when i get back and probably not use it for anything else after. Can anyone advise…
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Santander Credit Card Interest
Hi, I am very confused. Every month I pay off the balance of the previous month in full but every month I get charged interest. The interest is not a lot, its around £1.50 each time but it's every month so they are starting to add up now. I haven't used the card to withdraw money from an ATM or anything like that. Just…
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Paying off credit card balance from a friend's account
Hi there, So I've been painted into somewhat of a corner by various actions of various banks, leaving me with a rather urgent problem. Here's the overview: I'm currently away from the UK travelling in Asia. I left the UK with a Natwest debit card and a Halifax credit card just in case (signed up for especially). Despite…
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New Barclaycard for existing customer?
Hi, I'm interested in the latest Barclaycard offer of 22 months at 0% for balance transfers and 1.45% fee. My problem is I already have a Barclaycard MasterCard (converted from old Morgan Stanley card) and I don't think I'm eligible. Can anyone confirm if I take up the offer on the new Platinum Visa card? I'm looking to…
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Balance Tranfers
Multiple attempts to obtain a balance tranfer from credit card companies is proving to be a nightmare. I pay my credit card bills every month, on time, yet I am finding it hard to be accepted for balance transfers from existing cards to new cards. For this reason I am just able to pay off the minimum payments every month,…
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Buying currency on the high street with a CC
Would that be classed as a cash advance or a normal purchase?
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0% balance transfers, Idiots guide please!
Forgive me I am new to this so these are probably daft questions. I have a Natwest credit card and now have a debt of about £3000 on it. I pay as much as I can each month and have usually managed to pay it off most of the time but due to unforeseen circumstances have had a big outlay hence the £3000 debt. It will take a…
