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credit cards
hi i need some advice .i have a yorkshire bank cc which i owe £200 on and a barclay cc on 0% interest that i owe 5000 on the 0 % finishes soon so dont know what to do :( .im thinking about getting a morgage soon so dont know what to do . do i get another card and transfer the credit to it and cancel the barclay cc .,get a…
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Aqua Credit Card Cashback Repayment --- Beware
Hi all, I know there is a long thread about this but thought, I would start a new as hopefully it will get looked at. Like most people on this forum I have been patiently waiting for my cash back. Still not heard anything so decided to give them a ring today. The guy I spoke to said I was not eligible for my cash back as I…
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Claiming personal injury. No third party
My daughter had an accident in her Audi while driving up a motorway slip road. She said that she just skidded on some spilled diesel and caught the steel barrier. The front of her vehicle is badly damaged. She is fully comprehensive insured and is showing all the signs of whiplash, but won't make a personal injury claim…
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0% purchase to use ONLY abroad
Is anybody aware of a suitable credit card that is 0% on purchases just for a holiday to america please?
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Balance Transfer
Hi all,new poster here so apologies if this has been covered elsewhere.I have £5500 owing on a credit card.£2500 is interest free until the end of May.I have been accepted for two other cards with 0% deals with a total of £2250 at 0%.My current card provider is also offering a deal of 6.9% on balance transfers up to £800.…
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AMEX True Earnings & Santander 123 CC
Background: I recently got a Santander 123 credit card and an American Express True Earnings credit card Query: I have a couple of subscriptions that I am currently paying with a non-cashback card – Netflix and Glossy Box. Obviously it’d make sense to pay these with a cashback card if they qualify as ‘eligible partners’.…
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Paying store credit with a credit card
Hello. My partner has a few store accounts with companies such as Argos and Next. Is it possible to clear the balances on these using a credit card as I would like to take advantage of a balance transfer offer. Thanks Tom
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Halifax on-line statements
For some reason my Halifax Credit card February statement hasn't been produced and the following is showing on-line. February 2014 - account inactive My account is up to date and it will allow me to do a BT so the card isn't disabled. It's a BT card so I don't want to do any spending on it. I've asked Halifax about this…
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Advice on 40+ Pre payment cards
I am looking at getting additional prepayment cards for our staff. We currently have a 10 cashplus cards which are very good, top-ups are made by us to one account which makes managing the account very easy, fees are low & the reporting provided by Cashplus is excellent but the big issue is any balance on the account is…
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low income- can I include spouse's?
Hi. My husband got an M&S credit card a year or so ago and we are now debt free on it, but obviously the 0% has run out. I would like to take out one in my name, but my income is low as I only work part time. Am I allowed to include my husband's income in 'income' because we both pay all bills and share all our money, or…
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0% Credit Cards (Not balance transfer)
Hello. Wondering if anyone could give me some advice. I am wanted to get a credit card for the first time, however do they offer 0% credit cards for someone who has never had one before and isnt balance transferring. Tried to do some research but its confusing. Thanks :)
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Multiple balance transfers onto new Barclaycard?
Hi everyone, have done a search to no avail so thought I'd ask here in case anyone had an answer. Some of you may remember I was getting a bit down over my level of debt and considering a consolidation loan to try and bring it under control. I was advised this was a risky strategy but it was the only way out I could see at…
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What happens after 5months 0% interest ends...
Hi all, just got a quick question that will more than likely be straight forward to you guys, but, not to me. I've recently been approved for a Barclaycard Initial Credit Card. The card comes with 5 months 0% on purchases and that's it. I understand the majority of details but the two areas I'm unsure about are... * What…
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Buy foreign currency on credit card
Hi Can you actually buy foreign currency like Euro / dollar on credit card and if yes then who offer best rate and what is the max limit I can buy for. Thanks
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bank/card loyalty
My girlfriend seem to have loyalty to cooperative bank she has her account with them and her credit card with them. last year she sold her house so she paid off £10k off my mortgage and she paid off my £2000 credit card and i paid off her £4500 credit card by transfering it to my 0% mbna card and we have since paid off…
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Consolidate 3 cards & loan?
Hi, I have 3 credit cards and a loan; Card 1: £4000 of £6000 limit (APR 16.9%) Card 2: £2000 of £2000 limit (APR 16.9%) Card 3: £500 of £2000 limit (APR 16.9%) Loan: £6000 (APR 5%) I recently called the Card 2 company asking for a higher limit (as it had a 0% BT promo and I wanted to move the others to it) but they…
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Pay off credit cards or overdraft?
I have 3 credit cards which I am trying to pay off by moving the balance between them using 0% balance transfers. However I also have quite a bank overdraft which attracts a monthly fee. Should I aim to be back in credit with the bank before attacking the credit cards or the other way round?
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CC fraud by family
Hi all, brand new poster here desperately seeking advice, I apologise in advance for the length of this post. This is a long on going saga so I will keep it too the minimum details: My brother has been stealing from my parents credit cards and has racked up almost £20,000 in debt! This first came to light in July when my…
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balance transfers
Hi there, I currently have a £7000 pound loan over 41 months paying 5% interest. I am now wondering if it would be best putting this on an interest free credit card. I have seen Barclays do 0% over 31 mths. I have two questions is this a better option secondly can I do a balance transfer on this loan as it's a bank loan…
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Credit Card or Bank Loan??
Hi All My other half wants a change in career which i fully agree with as his current job is causing way too much stress and the industry itself is failing... He wants to become an HGV driver and for this we'll need about £2000 to do the training and tests. My question is this...I have an OK credit rating and am thinking…
