-
Cashback - Credit card in Credit
Hi Would a credit card company charge interest if the credit card is in credit and the cashback is lower than the credited amount? Example: Credit Card limit = 5000 Credit in with say 100 quid = Total credit available = 5100 Cashback = 50 On this 50 pounds cash, would the bank charge interest as you only took out money…
-
capital one credit card question
Hey, Just had a question regarding the capital one platinum credit card. I have had it for 2 months now and was wondering if anyone knows when they increase their limits? Many thanks
-
Cash machine swallowed my card..help!
Ok, so this has literally just happened. It was a link machine at a Sainsbury's local. I went to get money out and at the "please take your card" stage....my card failed to return. Who do I contact? Link? I'm at bloody work, so not even sure I'll be able to cancel it until tonight as I don't have the security information…
-
To close or not to close?
I probably suspect the answer to this is close it but it never hurts to seek forum members opinions and double check before doing it:D I am moving nicely over from sub prime to prime and it has been a long journey.......... However I now have 3 prime time cards, B/Card Freedom Rewards, MBNA Platinum and Nationwide Select.…
-
Credit card different rate offers-confused
Hi please can someone offer me some advise. I've got a mbna credit card with a 0% money transfer on there due to end this oct 2014. I've also got a barclaycard with a balance transfer thats due to come to an end next month & want to transfer this amount to the mbna as they have a 0% balance transfer till feb 2015. I can…
-
Unable to reduce balance - can only pay off interest
I need help for my Mum. She has a large credit card balance and can only afford to pay off the interest which is costing her over £200 per month. The debt is actually increasing. The card is a Barclaycard which she has had for more than 5 years and the interest rate is currently 28.9%. She fears that she cannot move the…
-
emergency spend on barclaycard £0 month interest free... what gets paid off first?
Ive currently got a 30month interest free balance transfers barclaycard but in an emergency used to make a purchase. so do the repayments go towards paying off the purchases and the interest rate on them and then once finished the balance transfer. eg £1000 balance transfer @ 0% and £500 purchases so could i transfer to…
-
Credit Card Late Payment????
HIya I was hoping someone could maybe help me understand credit card billing. My partner has a credit card and has never ever missed a payment - he gets paid weekly and religiously pays in money to the card. However they are saying he has a late payment- has been hit with a charge and creditlimit revoked. His billing cycle…
-
Credit Card for hotel pre-authorisations abroad
Hello I have recently taken out a Lloyds Advance Mastercard Credit Card for the sole reason that I will be soon going travelling and a number of my hotels abroad that I will be staying in absolutely require a card for pre-authorisation. Basically, the hotels that I will be staying in make it compulsory for guests to allow…
-
Cash advance viewed negatively overseas?
So, I've read on here that cash advances can be viewed negatively by providers as it appears to be a sign of poor financial management and perhaps an overstretched budget. Now this is a purely academic question as I never withdraw cash on a credit card and have a fee-free debit card for overseas, BUT, considering the…
-
Claimed Section 75, can I claim again for Personal Injury
Hi I have claimed a Section 75 on a credit card & was successful. I did sign a full & final settlement form at the time. I am now claiming for personal injury with the same credit card. Could they refuse me if I signed the full & final settlement form? Any information will be helpful?
-
Best use of a cash advance on a credit card - Advice please?
Hi there, I'm new to this section of the forum and am hoping for someone can offer me the advice I need. We have a property in Spain and tenants have landed us with a few months arrears on the electricity bills (amounting to 900 euros approx £750) I have tried to pay the arrears via the (Spanish) electric company's…
-
Credit cards empty and not used - cancel or keep?
So between us we have 6 credit cards not in use having cleared them. Do we keep them or cancel the ones we don't need? We would like to do the best thing for our credit history. Thanks! :o
-
What happens at the end of 0% deals?
What happens at the end of 0% deals? Do you get a letter or a note on your statement saying how much you have to pay by a certain date to avoid interest, or do you just have to work it out for yourself? I've had my Halifax All in One since May last year and only expected six months 0% on purchases. It's only a few hundred…
-
Credit Card Decilned even though excellent credit score...What gives?
Sorry this is a bit long but could do with some advice... I was recently been declined for a Platinum 24 credit card with Lloyds. I wanted a balance transfer to an interest free card as my current 0% is about to end. I have an above average credit rating, own my own home and only have 1 current credit card in use and 1…
-
TSB credit card question
Hi, I recently made a £5 bet on the Six Nations via Ladbrokes online, using my TSB Mastercard. Now I'm not much of a gambler at all, this was a very rare occasion for me, so little did I know it would be treated as a cash advance by TSB. It was only when I checked my statement online that I noticed I'd been charged a £2.50…
-
How long to wait after moving house to apply for a new credit card?
Evening! We completed on our new house a couple of weeks ago and as it happens its about time I applied for a new 0% credit card as the deal on my current one is about to run out. I have three credit cards atm and only £400 left on my main one. I have pretty good credit but am wary that recently moving house will throw a…
-
Barclaycard life of balance advice
I have a few cards that I'm continually tarting from one 0% offer to another 0% offer every few months to keep them all at 0%. Although I am paying a fair chunk off each month, the balance transfer fees every few months is not helping. I do have part of the debt on a barclaycard at 6.9% life of balance so am paying some…
-
Best Credit builder card for Housewife?
I would like to clean up my credit file, and see if I get a credit card and pay in full it will help my rating. I am a housewife, so have no job but my husband works full time. I have 1 default from 2009 showing, and a couple of late payments in the last year for a mail order account I have. I do have a car loan I've been…
-
Best International Credit Card
I've recently taken a job that will involve a moderate amount of travelling internationally (US, Germany, France, potentially Asia but unlikely). In the last 8 weeks I've spent 6 of them in those top three countries, and going back to the US in March. Company policy suggests that if I'm with a manager, he/she has to pay.…
