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Refund on Card
Since paying off my monthly credit card bill, I`ve had a refund added taking me to about £200 in credit above my limit. Can I just go to a cash machine and withdraw the surplus without penalties or do I have to keep using my card until the credit is used up?
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BT - Additional Card Holder ?
Hi Folks ! I have a 0% BT card with a fair amount of unused funds available but on the T&C it states that only cards held in my name are available to be transferred to , no inhouse cards , my query is if i make my o/h an additional Card Holder could we then make BT`s to some of her CC `s ? I understand i will be liable for…
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New Asda Credit card
Just wondered if anyone can answer my query? Asda have just changed their credit card provider from Santander to someone else9cant remember who!) Anyway we had to apply for the card & have just recieved out second bill. They charged us £12 for a late payment! On querying this as my husband gets paid on 26th & our last card…
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Creation Card not listed on site?
So, I noticed this: https://apply.creation.co.uk/creation-cashbackcard/web_channel/cards/microsite/carddetails.aspx?termsAndConditionsCode=MC1012&MC=18400010&operatorCode=WebMC&responseCode=CBK023 I currently have an Aqua reward, Capital One classic extra and a Lloyds Platinum account and it seems that once I get the £100…
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Dormancy fees have lead to a default! PLEASE HELP
Hi there, I'm new to money saving expert and would really appreciate some advice. I have just checked my credit rating and score for the 1st time in a year having spent the last year clearing the balance on a high interest credit card every month in order to build a healthy credit rating. Unfortunately, to my horror " i…
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halifax balance tranfer and spending..
Hi this might be a silly question but i am worried about making a silly mistake, i have just got a halifax credit card with 15 month 0% balance tranfers, and 15 months on spending. so if i did a balance tranfer for £1000, can i keep on spending on the card and still get 0 % on spending..for 15 months.. I am only asking…
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MBNA cash-back card does not recognize Aldi as supermarket
Just been checking my October MBNA statement and rang the helpline because the cashback awarded on the statement did not match my calculation. Guess what!! - I was informed that MBNA do not recognise Aldi as a supermarket so you only get 0.5%. The reason is in the T & Cs. However their website says :- 'MBNA Visa Credit…
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Getting credit
Having serious getting credit i could have a capital one card though as im living with parents i have not uilty bills with my name on but as i tried to get a bank statement natwest totally totally flipped the the statement that i ordered came with only my old branch address on and handwritten envelope. anything else i try…
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First credit card for a LTD company
We have just registered our business as a LTD company and would like to consider getting a company credit card because upto now I've been using a personal credit card for sole trader business expenses. Can anyone please recommend a good first credit card for a LTD company?
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Best time to apply.....
DH 0% runs out on the Feb statement date (7th) and we're looking to transfer the balance to another 0% card (natwest) When do you think is the best time to do this? I was thinking with Christmas and new year in the way this might delay receiving cards and actually doing the BT. On the other hand we don't think we want to…
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Stuck! How can i increase my rating?
Hi Back when i was a student, i very stupidly went waaaaayy overdrawn and didnt pay my debt off for a few years. Once i had finally got myself into a stable place, i sorted out monthly payments and eventually reached a point when the bank said i could just pay off a fraction of what i owed and they would be happy with…
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CC Transfer
When transferring a CC debt onto a 0% is it always necessary to then not use that CC for purchases?
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Pre-Payment Cards Issued By Newcastle BS
I have just been notified that my AA Spend & Earn pre-payment card has been transferred from Newcastle Building Society to a Wirecard AG subsidiary company. The deal was announced nearly a year ago but this is the first I have heard of it. NBS has sold off its entire pre-payment card business. The Newcastle BS staff have…
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Credit card insurance question
In about 2010, I paid for an investment for land with my credit card and had in mind to pay the card off quickly. I paid £5,000 by credit card, but shortly after making this investment, I fell upon hard times and I am still lumbered with the card debt. Anyway, in 2011, I received a phone call to say that the company had…
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Cutting your own credit limits.
Hi, Having once been drowning in debt I'm now in the fortunate position of being more or less debt free (able to clear all my balances each month). Having had lots of cards in the past I now only have 4 (and one of those only because it is recommended for use abroad by MSE (Halifax Clarity)) The other 3 had what I…
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Do you take American Express?
Is it best to ask this question, or just stick your card in machine and see what happens? thoughts?
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Amazon Credit Card
Ok so I am completely new to this always stuck with debit and refused to even bother getting into credit (had a lot of family members get in sticky situations) I'm looking at applying for an amazon credit card as I see you get £5 back and also get points for spending on it. I have some fairly large purchases coming up over…
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Natwest platinum low BT fee......
:wave: Has anyone applied for this card? Can anyone tell me whether you add the BT details at time of application or afterwards? Do you think there is a better chance of a higher limit if you add the details in at application stage? Our 0% ends in feb but with this card ,and probably many others, you can do the BT upto 3…
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debit card
Hi, We purchased wooden flooring at the end of September, paid for it by Debit Card, the company had a problem with the invoice issue, so we left without it, and thought no more of it. The other day we received a letter from the company to say they had a problem over that weekend with their terminal and the transaction did…
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closing credit card accounts
hello all you wise people:cool: I have just managed to balance transfer my 3 cards onto one for 0% for next 23mths-thats great but what do I do with the 3 cards when the balances are clear. Is it best to shut these accounts or just leave them empty. Thanks for your help MG x
