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Credit cards

Archives for October 2013

Looking for advice - 1st CC
I'm looking for a little advice if anyone can help. This is the first time I've wanted to get a credit card so I know my options might be limited. I'm in my early 30's, I haven't taken out a loan before, I've rented and paid bills on time for many years but I assume having no credit card or loans in the past might go…
Aqua card/noddle accepted ??
Hi guys applied for a aqua card a few weeks ago and received this email a few days later but nothing in writing from aqua have I been accepted or is this just a generic email sent out to every email address that you use when applying?? Many thanks Thank you for choosing aqua. Now that you have your new aqua card, we’re…
Paying by bank transfer instead of credit card
Hi, I am getting married next year and my photographer only accepts bank transfers or cheques however I wanted to pay by credit card so that I had at least some insurance on it. Would I have any come back if something goes wrong?
Aqua credit card - beware
I took out an Aqua card (as recommended by MSE) a year ago. The attraction was the cashback, and the low cost foreign currency transactions. Last month, I exceeded the (low) credit limit by £22 and was charged a £12 "limit" fee. (54% interest a month). I have always paid the full balance by direct debit. I phoned the 0800…
Company Travel Credit Card
Hi there, I may be travelling to Asia (HongKong/Shenzhen) for business with the company I work with (2 weeks maximum stay). They work on an expenses basis where I pay and reclaim the expenses back from the company. It seems a common method between employees of paying by credit card and paying it off once the expenses have…
'Offer' of increase in credit limit on credit card; refuse it or just leave it?
I've been offered an increase on my credit limit for a capital one card which has an outstanding balance that I'm slowly chipping away at. Once I've been able to pay it off I'll be getting rid! (Or alternatively, when I can, get a 0% balance card to deal with it that way) I have no intention of spending any more with it…
Card Fraud
Hi, MBNA called me up a few days ago checking on some transactions that flagged on their system. They were for Experian, Dialaphone, Graze and the Chocolate club. I told them they weren't mine so they put a stop on the card and added me to CIFAS. I'm actually a little worried though as I don't understand what the person…
Transferring Next balance to CC?
Hi all, I recently got a Barclays 0% credit card to pay off my Next account with; the limit for Barclays was higher than Next, "Great!" I thought. Only - when I tried to transfer the debt online a pop-up informed me this could to be done - I'm not sure whether it's because Barclays provide finance for Next? Now I'm sitting…
Should I stick with one card or get another?
I've always avoided credit and finance but last year I decided to get a credit card. We were planning a holiday that fell through so were going to use the card for spending abroad. I have a nationwide select credit card, it was 20 months 0% BT which meant nothing to me as I had no debt to BT, it also has 0.5% cashback and…
Newbie Credit Card Question
If I get a credit card and pay it off in full every month, I won't have fees, is that right? (if I don't take money from ATM, currency advance etc...) Are there Credit Cards that charge a fee even if you pay off in full every month that I should look out for - how can I tell?
£1 Amazon Credit Card Fee
There seems to be a £1 minimum fee on an Amazon Credit Card so if you don't use it one month you still get charged £1 that month. Did I read it correctly?
very.co.uk help?
I have just set up an account with Very.co.uk. I have been given a credit limit of £1000 I need to buy some new clothes for a new job i have just been offered. Will i have to pay interest on that if i use Buy Now Pay Later, if i pay back within the period of the 12 months? I will definitely be able to pay it back within…
Balance transfer proportions?
Hi, I have £3500 on a Barclaycard, with 2 different rates. £2000 is at 0% from a previous BT, and £1500 is at 9.9% from cash withdrawals. I have the opportunity to transfer up to £1900 to a new 0% BOS card. If I BT £1500 from BC to BOS will that be the 'cash' portion of the BC debt moved, leaving the whole debt at 0%, or…
Applying for Credit Card after getting mortgage
Hi all A little bit of advice needed. I've recently completed on a house purchase, however I will not be living there for approx another month. When applying for a credit card, how would I fill out the information? For example it asks whether I rent / own a house, but also asks for my address. Can I say I own a house, but…
AMEX Gold for graduate with new job and new house
Hi, New to the forum, read a few posts but had a few questions specific to me so signed up. Basically quite keen to sign up for the Amex gold card because of the bonus 20000 points with £2k in 3 months. With normal monthly spend plus upcoming birthdays and Xmas this is shouldn't be difficult to achieve. I was wondering…
paying off overdraft
I have an overdraft of 3000, I have had to move out of parents house and now live with my girlfriend and her 2 children. I need any help/advice as to the best way of paying this off as money is tight at this point in time. I'm told different things from different people but would like the advice of an expert or a person…
Santander Additional Cardholder
Hi all, quick question. im thinking about getting a 123 santander credit card (I have their current account) and have been guaranteed pre-approved since the credit card first came out. Though Im 99% sure i will still have to go through a credit check to get it despite the guarantee. anyways the main question is I can see…
Best credit card for America
Hello all, In 5 weeks I jet off to New York with my wife for a week for my 40th birthday. I had planned to have lots of money to spend from my savings, but life and 2 teenage kids have conspired against me so I now will only have £1000 cash (maximum) to spend on meals, tips etc etc. Obviously while I'm over there she want…
Cash without PIN
Just a small one if someone could help me. I have a Visa credit card with Lloyd's, in the past I have only ever used it online and I have no idea what the PIN is. Now I need to withdraw some cash but obviously without the PIN I can't use an ATM. I'm going to take it into a branch today and get a new PIN, but in the mean…
Use abroad or return Travellers Cheques
Hello, I have Thomas Cook US $800 travellers cheques that I took for a year long world trip as emergency money should my credit/debit cards fail me or get stolen. I've been trying to figure out however what is best to do since I am close to finishing the trip: 1. Use the travellers cheques whilst I am still abroad…

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Credit cards

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