-
Virgin BT Card - New Application
Just applied for the 0% 26 month offer. Did the application online and it said accepted...will email details etc. Does this mean I have passed the credit check, or do they still need to manually review it before sending out the card? I will only be using the money transfer option so do I need to wait for the card to…
-
Ways to pay a credit card bill (online)
Hi, I am really surprised I can't find the answer to this online! Basically, my GF has never wanted a credit card but now has been pre-approved for one by our joint account bank. She now wants to have it, just to make and pay off a few small things every month, to build a credit rating. The thing is that her own/personal…
-
Metro Bank Credit Card
Hi, I'm looking at the Metro Bank credit card, I had a look through the summary and it says "No Charges from Metro Bank on Foreign Transactions". So does that mean that there's no fee for cash withdrawals other then any interest which may be due? Thanks
-
cash or balance transfer - what;s the catch?
Am looking to get 0% rate for about 6.5k - (reduced it from 12.5 so getting there) Barclaycard have offered either 0% to July 2014 for 3.9% fee as a balance transfer or as cash to current account 0% to October 2014 for 2.9% ... is it OK to take the cash and pay the other CC off? - looks cheaper ? or is there a catch?
-
Barclaycard Upgrade/Downgrade
Good Morning I hold a standard barclaycard (originally a student card) which was recently changed to a Gold card, I was informed this was now the standard card they offered as their products had changed. I have logged onto my online account this morning and it now shows as a Platinum card. I have never been notified about…
-
Littlewoods, BNPL help
Ok so I am looking at purchasing something on buy now pay later, I have £500 of my credit left, the item I am looking at buying is £479, but I would like it on BNPL, when I select BNPL the price goes upto £630, obviously its only this price if you do not pay it off in the interest free period. My question is which amount…
-
Multiple Adresses on File - Applying for Card
Hi all, Ok, so I'm taking a trip abroad and would like to get the best deal on spending whilst out there (and I also do lots of buying online from foreign sites) so was thinking of getting the Halifax Clarity card as recommended here. I currently have a Barclaycard Platinum and Santander 123 card which I always pay off in…
-
cc payment
Hi there I have question regarding my first credit card payment (Capital One). On the 9th of June I received my first statement - £42.32, payment due date is 5th July. For now, balance is around £200. I want to make a "full payment" now and dont know if I should pay amount from statement or to cover whole balance? Could…
-
Help... How di I calculate how much interest??
Hi all I hope someone can help me, I have a Halifax Clarity card and am planning to use it to lift cash when I am on holiday, I am trying to work out how much this will actually cost me over the course of my holiday but I am not sure how to calculate it and was hoping someone can explain it to me. Say I lift £600 and pay…
-
Tsb platinum credit card
My Partner has been offered a TSB Platinum Card with no interest charged for 13 months. He has a Halifax Clarity Card which he pays in full each month. He needs only short term interest free payments. Seems too good to be true! Has anyone had this card? Thank you.
-
Over credit limit... Credit score?
Hi all, I've been doing my house up and as such putting some stuff on my 'house credit card' from RBS. Although I had been checking the app, I managed somehow to go £49 over the limit. It had been like that for 2-3 days before I checked again, and I immediately paid 3/4 of the balance (I pay it off every month). I called…
-
Aqua Card - Reregistering for online access required!
I just went to log in to my Aqua card online, to be presented with a message telling me that I had to re register for access to my account online! Ever the sceptic and thinking about bogus websites and people trying to steal your details, I immediatly came running here to see if I could find anything about it. I did but it…
-
charged interest even if repaid in full???
The Halifax clarity credit card on MoneySavingExpert has the followingcondition The Halifax Clarity* credit card has no foreign exchange fee anywhere in the world Plus there's no fee for cash withdrawals, though you will be charged interest on them even if repaid in full. I am not sure what this "repaid in full" means.…
-
Cancelling new credit card
I have recently been accepted for a new Barclaycard but have decided I don't actually need it anymore. It is a platinum card with no annual fee. Should I cancel it as soon as it arrives or can I activate it but not use it? If I cancel it do I need to call up or do I simply not activate it in the first place? I only have…
-
Trying to cancel credit cards
I've just become credit card debt free for the first time in 10 years! However, I tried to cancel my barclaycard account today and the lady at customer retentions said 'we won't cancel it, but we will stop sending you new cards just in case you change your mind.' Should I have told barclaycard to close it anyway? Also they…
-
Using credit cards for direct debits/standing orders
Hi all, the thought struck me recently that I could potentially maximise my cashback on my AMEX Platinum CC if I arranged to have all my bills come off it. Is this possible? Any thing I should look out for? Pros/Cons etc? Thanks in advance, Luke
-
Help :( transferring balance to new 0% denied
Really hope someone can give me some helpful advice please?! We currently have 2 0% credit cards (1 barclaycard and 1 halifax)with a small amount on each taken out to fund home improvement. I recently had a baby and unfortunately missed one payment date and payed it 1 day late as I was in hospital. Subsequently barclaycard…
-
Balance Transfers between 3 existing accounts
Hi there I currently have three credit cards which I have just started paying interest on. I want to transfer all three balances between the three cards. How can I ensure that each balance that is transferred will be the whole interest paying amount transferred to the other, leaving me with three 0% interest on each? Is it…
-
Turned down for credit?
Ok so I have been trying to build a good credit score for a while now but had some problems obtaining credit, I managed to get a capital one credit card (used to rebuild credit) initially I was paying it of in full each month but my credit rating went down dramatically (I regularly check using Noodle) I read that it can…
-
Is the Financial Ombudsman for real?
Hi I am new and have no idea where to post so I hope i'm not in the wrong place. My partner and I were the victims of cash card fraud whilst in Thailand over a year ago. Our complaint has been ongoing that long and has progressed to FOS. I quoted the payment services regulations to them which advise that unless we can be…
