Credit cards

Archives for November 2013

credit card balance transfers
I have a £3600 balance on a Tesco credit card if I move it to say a Barclay card with no interest for 29 months does that mean that all my repayments come off the amount owed and after the 29 months it reverts back to their normal interest rate of 18.9% and for this I have to pay 2.79% of the balance transferred .Is this…
Is it worth applying?
I'm trying to get an idea of whether it's worth applying for a new credit card at the moment or if we should wait until our credit has improved following our recent changes. We have just taken out a new mortgage on a new house. Our credit card is coming up to the end of it's interest free period so could really do with…
amex shopsmall is back;
Hi Guys, Just had e-mail, Amex shopsmall is on for 1 day, 7th Dec. Spend £10, get £5 refund, same as last time.Don,t know if Mbna are doing it, they usually do? Got to register my cards:j Anyone else had E-mail?
Declined Halifax Credit Card ...
I've been declined for a Halifax Clarity Credit Card. I was surprised by this as my Experian Credit Score is 970. I've printed off a full copy of my Experian Credit Report and am planning to send it to Halifax's Personal Lending Decisions office in Brighton. Does anyone have experience with this and think it'll do the…
Thanks Bank of Scotland!!
:mad: Thanks Bank of Scotland - just applied for the 24 month 0% card online after running the MSE eligibility checker and getting a 90% Very Strong Chance result. Filled the application in online and got turned down! Now I suppose I've got a negative on my credit record and they cannot tell me why I was turned down…
How to transfer money from Barclay card?
Hi guys, My existing 0% Barclay card is due to expire soon. Can I transfer money from my Barclay card to another Barclay card (at 0%), or do I have to have a credit card with another bank to do this? Thanks
Halifax Clarity Card Questions
I’m interested in applying for the Halifax Clarity card, due to the advantages it gives for travel. However there is one line in the information on the MSE 'Cheap Travel Money' page that I don’t understand. “there's no fee for cash withdrawals, though you will be charged interest on them even if repaid in full.” What does…
Barclaycard Payment Break Plan
I was reviewing my Barclaycard Statement the other day due to being in what I consider a large amount of debt and have noticed a charge of £24.95 coming out each month for something described as 'Payment Break Plan'. I contacted Barclaycard and they informed me that if I was eve unable to pay the amounts on the card then…
Close down unused card or leave open
I have a credit card that I no longer use as I transferred a balance on to a better card, am I better to actually close the account down or leave it open for possible future use.
Booking a holiday with my credit card...
Hi I am thinking of going on a short trip next year. If I pay my deposit & then the full amount using my credit card, am I protected if the travel agent pulls a fast one For Example: do a runner with my money / go bust / ask for more money last minute / any other scam etc Expected cost is about £1800. Thanks.
Information needed to close credit card account
hi i have an old account with barclaycard which i cut the card up long ago as i stopped using it but i didn't close the account! so would it be ok for me to ring up (without my card number obvs) and say i want to close my account because obvs they would only have one account in my name at my address if that makes sense? i…
Accepted for credit card and mobile contract
Hi fellow MSE's Can you please give me some much needed advice!!! I have just been accepted for Barclaycard initial credit card (Limit £800) and Capital One (Limit £200)also just been accepted for the 1st time ever in my 40 years a monthly mobile contract with Vodafone. I have been with VANQUIS credit card for 14 months…
RBS YourPoints bonus offer
Has anyone received an e-mail about this today and clicked through? Did you have to specify exact shops or just the categories you want to earn bonus points on? I am a bit loathe to click anything as I am not sure what I want to choose yet! TIA Suze
Interest Free Credit Card
I was considering getting a loan for some up coming house decoration but had read that an interest free credit card works out cheaper. Am I right in thinking that providing I meet the monthly minimum payments then there will be no interest at all? No matter how long the original amount is on the card? I understand that…
Credit card debt - off sick, no income- Help?
Can anyone please help? I have got a couple of credit cards which I have been using to finance me whilst I have been off work sick. I'm in not receipt of any income at all and have got myself into debt now. I have approx £4.5k on Natwest, and £1k Barclaycard, and £1800 Capital 1. I am gutted about my situation as I had…
Amex Cards and Priority Pass
Hi All I've got some family trips coming up next year, including a long layover in Singapore. I've been trying to work out which Amex cards get you the Priority Pass membership, so I can use their lounges. The Gold Card is free for the 1st year and also gives travel insurance (which I need) Or is it only on the Platinum…
Tesco Credit Card - Cookies?
I've used the Tesco Credit Card for many years now - mostly happily. However, every time I clean my laptop of cookies (CC Cleaner) the Tesco Credit Card no longer recognises my computer and I have to go through an authorisation system involving a text message code. Wasn't a problem in the past but as I am currently…
Store Card - Full and Final Offer??
Owe £1,500 on cc. Debt is still with them/the bank (i.e. not been passed to a collection agency and they are not looking to pass it on). Currently paying installments, at this rate will take nearly 7 years to clear. Is it worth putting forward a full and final offer? What kind of figure would be acceptable? Really wanna be…
Paying Credit Card Early to Earn Cashback Beyond Limit
I recently got a cashback card that pays 0.5%. It only has a limit of £500, far below what I normally spend per month. If I were to make payments by debit card to clear some of the balance before the end of the statement, will I be able to earn cashback beyond the £500 credit limit? I would rather do this, even though it…
Straightforward question (I hope)
I have 4 credit cards in my name. The only joint debt is our overdraft of £2500 and a First Direct loan which has a payment of £425 a month. I need to transfer as much of the interest bearing balance as I can but have been rejected for further cards. However my wife has been offered a card with a 0% balance. On the…

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