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Credit cards
Archives for January 2014
Discussion List
Balance transfer advice
Hi, I'm hoping someone will be able to give me some much needed info. So i'm looking at taking out a new credit card, to transer the debt that I have on my current one before I run out of the interest free period. What with Christmas, unexpected events, my credit card has taken a bit of a hit, and i haven't been able to…
Airmiles CC not Amex
Hi, New Year, new attitude! My wife and I will be going to the States in 18 months time and I want to get a CC that will give me Avios or equivalent so we can upgrade the seats. However lots of places are not accepting Amex so my question is, is there an alternative ie. MC or Visa but still get the same reward? Also, does…
Halifax MasterCard - A Credit To Your Account....
Just checking through my online statement, noticed there was a credit of £12.00 added to my account on 19th December and the description was A Credit To Your Account. Any ideas what this could be from? I haven't returned anything to a shop, which is the only thing I can think of!
Help!
Hi, I made the first purchase on my tesco 0% purchase credit card... Its showing my minimum payment to be 0 and by the 31 dec.. I made an order on the New Look website on the 28 and I just checked my online account and have noticed it says this Current Balance: £46.99 and then it says what day I purchased the items and…
Is this Credit Card fraud?
My parter took out a credit card a few years ago for emergencies. A couple of years a go his dad asked if he could use the card, my partner did authorise a transaction. It was paid off and as far as my partner was concerned it had a nil balance. He never uses it himself and as he thought it had a nil balance he wouldn't…
HSBC Repeat offers
I paid off my HSBC 0% offer balance in November, prior to it falling due (December). Have received one statement showing a nil balance. Does anybody know if HSBC offer any repeat offers at 0% and what the timescale is likely to be, or should I just close the account, wait a couple of months and then apply elsewhere. Have a…
To pay off or leave?
I have £5000 outstanding on a 0% credit card deal. The 0% runs out in September. I'm looking to get my first mortgage in around April/May. I will have fully paid off the deal before the end of the 0% offer period but was wondering 1) is it better to pay it off as quickly as possible i.e maximising pay back each month OR 2)…
Santander 123 Amazon purchases
If you have purchased anything from Amazon.co.uk with a 123 Credit Card which should qualify for Santander's 1% cashback, check your statement to make sure you have received it. It was not included in my latest statement received yesterday. I've phoned Santander and am awaiting their investigation. Given Santander's lack…
Opus 32% - Barclaycard 29.95% ?
Does this CC transfer make sense? I have a lot of debt that thankfully is slowly being paid off via ‘snowballing’ the highest APR with everything I have spare left over etc etc. I have a Barclaycard CC with a horrendous 29.95% APR (£4.5k) and an Opus CC with an even worse 32% (£3.2k) – neither were this high when I took…
Help with best way to clear debt
Hi I have a credit card which now has an interest rate of 1.4495% I have a balance of £944.57 on it. I have £450 to use on it an am not sure whether to transfer to a zero interest card first then pay off or pay off then transfer. Was looking at applying for the fluid card shown in the deals did the test 90% chance of…
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