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Credit cards

Archives for September 2013

which CC offers better protection?
I have a Barclaycard & a cap 1 credit card I intend to use one of them to pay the deposit for a company to replace window & front/back doors so I am protected if they go belly up but didn't know which one to use
Refund on DCC transaction
I have bought something online in euros with a no-forex-fee card, but the merchant decided to charge me in pounds at their own rate without telling me. I complained and they charged my card in euros again. They said they would refund the GBP transaction, however, I received back a lower amount than I was charged. If I was…
ASDA Balance Transfer Problem....
Ok so my balance is around £1,700. Balance Transfer is £950 When approached in store I was told BT was 0% for 12 months - planned to pay in January, and the purchases I would pay in full to avoid interest. Now here's problem, I was told and assumed also that they did it like Argos store card does it. If I were to get a buy…
Hilton Honours Card
Just applied for the above card but didn't get an instant decision. Came up with the standard "we're still working on you application, 7-10 days etc etc". Just wondering how difficult/easy this card is to get? Anyone who could share any experience of applying or having this card would be very much appreciated.
First Credit Card
Need some help as to which first time credit card I should apply for. Bit of background, I'm 24 and work full time, still live at home and have no debts (except student loan.) or defaulted on any payments ever. My current account is with Barclays. I'm mostly going to be using the credit card to build up some credit…
unsure about 0% purchase
Hi there, I was thinking of getting a 0% purchase card to pay off some of my existing debt e.g. Next Directory account and other catalogues. If I go online and pay off these accounts using my new credit card, will they count as new purchases and qualify for 0% interest? Thanks :)
Best card to spend 9k and repay over 12mths?
Hi, My annual season ticket is just over 9k pa, I normally get a loan from work and end up getting taxed on the loan, Would it be worth me getting a cashback card and doing it on that? assuming i pay back 12th per month Cheers Ray
Credit limit before applying
I want to get a new credit card on 0% purchase as I have big purchase to make. I have a good credit rating. On browsing all the info I can't seem to find what amount I would be able to have as a credit limit on any of the cards without applying and I don't want to apply for one and then find out I can't borrow enough on…
Are CashBack cards worth it?
Hi Guys/Girls, Just a quick question..... Are cashback credit cards worth getting? I dont spend alot normally between £100-£200 max a month. I dont currently owe any money on the credit card. Should i just stick with a normal credit card or go for something like a tesco credit card? Thanks
Halifax Clarity Card Renewal
How long before expiry date of the card do you get a new one? My card expires 12/13, but I go away at the end of November and do not return till the New Year, so I need my new card before I go away. If I ring Halifax, will they issue my new card earlier?
M&S mastercard transfer
Hi I have an M&S credit card which is mastercard. What cards can I transfer the balance to as a lot seem to be mastercard and they say you cant transfer to another mastercard. The Lloyds 24 month 1.5% fee looks good but it is mastercard. Any help appreciated. Regards Pete
Cancelling Credit Card
Hello, has anyone ever phoned to cancel their credit card. Am only asking as once I have paid of my capital one credit card I am going to phone up and cancel it, but am just wondering if they are going to give me the hard sell as I got when I cancelled my Experian credit service. They wouldn't take no for an answer, they…
Lloyd's vs Natwest credit card
I want to apply for one of these cards for the balance transfer deals and was wandering which has the better chance of success of approval and getting the advertised rate I have a good credit history - any advice welcome as I don't want more than one search in my credit history
Barclaycard USA
Just watching the NFL game at Wembley and noticed the Barclaycard ads around the field. Looks like they do affinity cards in the US for all the NFL teams. e.g. http://www.nflextrapoints.com/washington-redskins-credit-card/ I didn't realise Barclaycard was such a big operation over there.
cant get my son a total balance transfer from one card to another
my son whos 28 has a credit card with a balance of £2800, he earns approx 16k per year, i cant find a card that will let him do a complete balance transfer onto a zero interest card (plus the transfer fee), I am trying to find the cheapest way to pay this debt off, any help or suggestions,
card protection
is it wise to have card protection
transferring from vanquis
ok. so i got a vanquis card to help build my credit rating and always pay more then the minimum. i have now been sent a gold card and my limit has increased. thing is, after doing some research, i have found that the rate has gone up as well and is now something like 69.9% :eek: (my balance is currently at around 800…
What should I include
Hi Guys, When applying for a credit card should I include only my wages in the income or as a single parent I get working and child tax credtits also child maintainance from my son's father, so should I also include all of these amounts too. Thanks
Direct Debit requirement
Hi guys, I recently switched to the Santander 123 account and I'm just making sure about the two direct debits. To get the first months interest, do both of the direct debits setup have to have been active (I.e. money come out of them)? I only ask as one of my direct debits comes out a few days after the statement. Or…
Buying currency with cc ?
Might sound a silly question, but I have a cc that doesn't charge a fee for foreign money, and I want to get a few hundred dollars from my local thomascook before travel. I know thomascook will charge for using a cc instead of debit but will it be classed as a purchase or cash transaction/withdrawal? I don't know if it's…

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Credit cards

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