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Can you balance transfer from AMEX charge card?
Hello, I've signed up for an AMEX Gold charge card to take advantage of the 20k Avios points if you spend over £2000 in the first 3 months. I've got a holiday payment that isn't due til the summer but was wondering if anyone has had experience of transfering a balance from an AMEX charge card to another credit card, as if…
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Closed Credit Card - Am I still protected with faulty item?
I bought a product 3 months ago and now it has developed a fault and struggling to get in touch with the vendor am I still protected by the credit card company as I did use the card for the purchase but have since closed the credit card account in the last month. I haven't contacted MBNA yet, but was hoping someone may…
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Santander calculating monthly total in strange way
Just started with my first ever CC - Santander 123, DD set up to pay the balance in full each month. The first statement came by post with a monthly total of £532. However, the payment taken several weeks later was £471. I realised that (for some reason) they had applied a refund of an item returned a week after the…
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Bank of Scotland Credit Card Application Queston
I applied for a Bank of Scotland Mastercard in the Branch yesterday, it was accepted with a £4200 credit limit, I signed the paperwork and was given a copy. It has also appeared in online banking with the Credit Card number. Does this mean I have been 100% accepted ?.
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Can catalogues lower your credit rating or...
..make you look more undesirable (To a creditor, not the opposite sex) I'm asking because I have a Next account, I paid ('Paid', because I no longer owe anything) on time and they have gone and increased my Credit limit to £900 which is something I don't want or need, I only use the online service when I cant be bothered…
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Aqua reward minimum interest
I was forced to use my Aqua Reward card for a cash withdrawal on Boxing Day as my debit card developed a fault and wouldn't work in ATMs. The withdrawal (and £3 cash advance fee) have appeared in the online statement now and I have just completely cleared the card balance so theoretically the interest on £100 for a couple…
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Switch Amex Platinum Cashback Credit Card?
I recently received Amex Platinum Cashback Everyday Credit Card, however, now I want to change to their "standard" Platinum Cashback Credit Card which has 25 pounds annual charge. Shall I call customer service to ask for switching card or I have to open a new application please?
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Capital One - Getting the cashback with zero balance?
Hi, I have the Capital One 5% cashback card and spent on it during the first 3 months to rack up the max £100 of cashback for that period. I have not used the card since then (and paid off the full balance), and have a question about the cashback. My current balance on the card is obviously £0, and the cashback payment is…
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How to pay off CC balances with Paperless, online statements?
What options are there to pay off credit card balances, to take in the bank, if you have paperless statements, online only? (paper posted statements you can take to the bank and pay off the balance, taking the statement and them stamping it( what are the options to pay off balances for ccs with just online statements?…
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Faulty Sat Nav - Section 75 Claim
Hi all. After a bit of advice. Background: I purchased a TOMTOM online from Comet (20th Oct) prior to it entering administration for £113.98. Paid on my Credit Card (Halifax). TOMTOM arrived fine, however had a fault with incorrect route planning, finding location, etc. Couldn't take it back, as entered administration when…
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Capital one
Been accepted for a secure capital one credit card. The aim is to improve my credit score due to previous defaults. Can a credit score be improved with outstanding defaults? I intend to use the card only for the weekly shop. That way will be sure to pay in full come the end of the month.
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Credit Card
Help Please I have an overdraft that I can't get rid of! Am I able to get a 0% credit card and transfer the credit to my overdraft and then pay off the card in monthly installments? or is it only credit to credit card? thanks :j
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accidental damage
bought a item from ideal which i part paid using capital one card but unfortunately daughter dropped causing screen to crack. called capital one to ask about purchase protection and they i wasn't covered but have looked at their website and it says i am covered but i don't know if it for accidental damage can anyone please…
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Credit Cards
I have a credit card that was recommendated from Credit Expert to help boost my rating/scoring. Can anyone advise me whether its worth paying it off by DD every month or paying off in full every month. I didn't really want it, as I didn't want more credit, only have car finance, but it appears the need to see more credit…
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How to pay so that i am protected.
Hi, We have just purchased our 1st new motorhome, and take delivery on March 5th (new number plates). When we purchased it at the begiunning of December, we put £2000 deposit via credit card. The company is asking that we pay balance (£48,000) on or around the 7th January. The balance will be paid from savings as opposed…
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Any ideas about earning points without spending ?
Hi Got a credit card which gives me 1 point for every £ spent. However, say I wanted to earn the points without actually spending any money (sending money to my account though buying something, or making a dummy purchase etc)... any idea on how I could do that, or is it not possible ? Thanks
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multiple cards advice
Hi, I hope someone can advise me as to whether I am doing the right thing...I currently have approx £1000 debt on an M&S cc that expires its 0% period in June. I am sure I can meet this debt by then and have paid the minimum amount monthly on time as well as other payments in order to chip away at it. However I have a few…
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Online purchases not being authorised Mastercard
It seems there may be a problem when trying to use a Mastercard badged credit card online though phone and retail outlet spending is not affected.
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Cashback credit card
Hey! :) I always use cash to buy anything from shops and my debit card to buy anything online. I was talking about this with a friend and she has said because I pay everything off straight away, I should get a CashBack credit card and pay it off monthly and I could make some money from that! Anyone know what CashBack card…
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No it's not the best EVER 0% balance transfer
Or since it's panto season maybe I should just say Oh no it's NOT One of the first links on the weekly email! They even emphasized the EVER. EVER is a long time So for the benefit of the, I assume, lazy or young journalist As recently as 2007 there were 0% balance transfers with no fee being offered. They used to be quite…