Credit cards

Archives for August 2013

Paying an Aqua Credit Card
Hello, I was wondering if anyone could tell me - on the Aqua Card's site, it say's you can settle your card bill by making a Payment with a Debit or Credit card. I've never done this - but I have just got a Barclaycard with 6% cashback, so was wondering if I could pay using the Barclaycard and get the 6% cashback? However,…
Capital one classic extra
Has anyone got this card and applied for the aspire world and managed to keep both indefinitely? The classic extra gives an extra £10 cashback, and the aspire world gives a free equifax report (saving me £2 per year, I wouldn't get it every 6 months). This bumps the effective rate to 0.66% assuming I spend less than £6k -…
Experian / Noddle update
If I apply for experian's report on the 2nd (monday), do you think it will contain the updates from banks that report on the 1st of each month? How about noddle, which generates a new report each time I sign in (unless I have signed in in the past 2 weeks, when it just displays the report generated the last time I signed…
Anyone applied for a Post Office CC lately?
Hi all I applied for a post Office credit card recently as my final default had dropped off and I was declined, I recieved the decline letter today advising they used Experian and I amy want to get a copy of my credit file, but they also suggest I may want to contact CIFAS. What I want to know is, is this a standard…
MBNA Fluid
Hi all over the years i've been a bit daft with money, (havent we all) I currently have an HSBC platinum credit card with £3660 on in. For some reason they are charging me 31%APR! i have never gone over my credit limit, never missed or made a late payment on it.....ever. i've tried a couple of times to get an interest free…
Tesco change their credit card login
Supposedly for increased security. I find I can now script or automate login, something which with their previous system had defeated me. If I can defeat it, criminals will find it very easy. (please don't ask me how) (google BURP and CURL) Is there a credit card company that offers two factor login? I have only seen it…
Aqua are a joke!
I really felt compelled that I had to share my disdain in regards to my application with Aqua. I applied in June for a aqua card, based on the fact that I had no credit history and being recently married, looking at the possibility of a mortgage at some point in the future, I thought getting a credit card to build up my…
Paying for used car with credit card
Hi all, Earlier today I paid for a used car in full from a main dealer via bank transfer, I then realised earlier I shouldve paid some of it with my credit card. How can I now go about doing this? I am sure the bank would reverse the payment if necessary and then for me to pay £100 by credit card and the rest from my bank…
Is it worth me trying to get a credit card?
Hi, I would like to get myself a credit card primarily to start re-building my credit report but I'm not sure whether I am in a position where I am likely to get accepted. I filed for bankruptcy in 2009 and was discharged in 2010. I also have an unsatisfied CCJ from the same time. I am aware that these will be cleared off…
Credit Cards to pay off overdraft
Hi - i've got an overdraft at the moment on my current account, which is around £1500. I get charged by the bank each month for this overdraft, and it drives me crazy. Is it worth taking out a credit card (i don't have one at the moment) to pay off all the overdraft and stabilise the bank account, and then pay off the…
Question about BTL and new credit card
Am hoping someone will be able to help me with this query. I am in the middle of a BTL purchase and have already received a letter from my lender stating that the survey has been done and that my mortgage has been approved. I am hoping to complete on this early October. However I am coming to the end of a 0% card that…
Early retirement and credit cards
Hello, can somebody give me some advice please. I have taken early retirement and my lump sum is carefully put away and working fairly well however, my monthly pension is not enough to meet all my monthly needs. I am looking for the best card to have which I will use during the month and pay off at the end of the month…
Would I save money on this BT ?
Hi, I got accepted for an ASDA credit card, it has 0% on BT for 12 months, with a 2.9% fee. My vanquis card has £950 balance, min payment is £42, interest is about £40ish. (39.9%APR, ouch, ASDA 19.9% whoo !) So if I transfer the balance, it would cost me around £30. Which I will then pay off in full at the end of…
MSE Eligibility Checker Problems?
I just wanted to let anyone who is planing to use the MSE eligibility checker know that in my personal experience it has been rather inaccurate. I used it to check whether I would get accepted for the Amex Platinum Cashback Everyday Credit Card. It said flat out no that I wouldn't and didn't even give me a percentage…
Credit check query !
Hi All I wanted to share my recent experience with my balance transfer and see if any of you could offer any suggestions. I currently have (and have for a significant amount of time) the following cards: - Lloyds balance of £620 recently completely paid off - Barclaycard balance of £850 to be paid off fully within two…
HSBC credit card help please
I used my credit card to pay for a hotel on 24th August, I have just logged on to pay it off and on 28th August was charged a £12 late fee!!! 4 days after I used the card, seriously how can that be fair?!!! Besides the point Ive been ill since mid July and yesterday was diagnosed with another infection, just dont need this…
Random Payment Question
Okay, my statement this month is £35, I spent another £10 after my statement was produced which wont show till next month now (the £10) however if I pay £45 today it'll take both into consideration and I'll owe nothing next month when the statement is produced (dont plan on using the card again before this) Figures are…
Card with high credit limit
Hi people. Looking for a credit card with a high credit limit, i know circumstances change depending on your earnings etc but im just trying to get peoples thoughts on what generally has a high credit. Thanks in advance
M&S credit card
I applied for an M&S credit card earlier today, and have received an emailing confirming that I have been accepted. The thing is, the email doesn't look right, it's from a random email address @hsbc.co.in, there's no branding on it at all. Has anyone else applied online and got a dodgy looking email? It doesn't ask me to…
Tesco credit card enquiry
Hi, I've just registered as I have a credit card enquiry and I've been told this forum offers great advice. I've had a Tesco credit card for about 3 or so years. When I took it out, I was employed and so got a interest free period for a set time. The interest free period expired some time ago now, and whilst I am still…

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