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Balance Transfer query from UK-Ireland!
Hi all, Apologies if Im doing this all wrong, I am new to MSE and to forums! I have just recently moved from the UK to Republic of Ireland and am wondering if there is any way of transferring my Barclaycard debt to an Irish credit card, or any other suggestions to avoid international fees when paying my monthly bill? All…
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Balance Transfer Help!
Hi I've just been accepted for a 6.9% life of balance card via MBNA which is great.............but my current balance I wish to transfer is from MBNA thus impossible to move that onto new card. Am I right in thinking the best way forward is to simply transfer it onto an existing card (I have a Halifax cc) and then transfer…
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New Paypal Debit Card
Hi, I've been invited to apply for this card? Is this a good way to get cash from a 0% purchases credit card? Can anyone see any problems??
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Capital One Credit Limit Increase
Rather strange, Applied for a barclaycard initial some time ago (2012) but got refused. Then Last week i had a letter offering me to apply for a Barclaycard platinum by april. Was a bit of of the blue. Then this morning my i get a letter from capital one saying my secured card (£200 limit) has gone up to £800. I've had the…
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MBNA card, have I lost my 0% by making a purchase
I recently got the MBNA card at 29 months 0% on balance transfers. It also had a 3 months 0% on purchases. I used it to pay my vet in an emergency thinking it would be ok as it is in the 0% for purchases but think I have made a mistake as I don't understand how it works. Once the 3 months are up or will the balance…
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Can I apply for 3 credit cards in one day?
I have just applied for 2 credit cards. One with Tesco which was instantly successful, and another with Santander which apparently takes 7-10 days to process!!! I don't want to wait that long for the card as I am planning a purchase quite soon. It is okay to apply for a third credit card on the same day, which if…
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New Credit Card scam - beware of unexpected delivery of flowers etc
My sister just sent me this about a new scam involving an unsolicited and unexpected delivery of flowers/wine/chocolates. It works like this It just happened to someone a week or so ago in St. Albans , and it can pretty well now be happening anywhere else in the country. It works like this: Wednesday a week ago, they had a…
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Nationwide Select credit card
Just want to check I'm not misunderstanding anything here (brain isn't quite functioning...) as it looks like this is a short-term offer I'd need to move on quickly. I'm looking at this card http://www.nationwide.co.uk/creditcard/select_credit_card_flexclusives_offer/default.htm Currently I don't have a nationwide account,…
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Paying a credit card off with a credit card? NOT BT
If you make a payment to a credit card over phone using an other credit card, would this go through as a purchase?
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Vanquis 'Deferred Finance Charge'? Aren't they charging me twice?
Morning All, So, to rebuild my credit, I have obtained a Vanquis Credit Card. On my statement I have paid substantially more than the minimum payment but not cleared the balance in full. This month I have two charges. 1. Purchase interest 2. Deferred Finance Charge I have rang them and asked them to explain this to me and…
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Direct Debit Question
Hello, Having paid off all my debts I'm planning on using my Nationwide cc a couple of times a month and paying off in full. If I set my direct debit it pay if the full balance, will this just pay off the statement balance, or will it take into account any payments to / from the card after the statement. Thanks.
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Wedding
Good morning, I'll keep this brief as best I can. Planning on getting Wed in May 2015, thankfully we only have to pay for half of it which leaves @ £5k. Question - Is it best to get a 0% purchase card, then when the offer ends shift the debt or to get a loan? I understand that shifting debt means I pay anywhere from 1.9 to…
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Late payment - HSBC and AMEX pointing fingers at eachother
Hi all, Back in January I received a letter from AMEX saying I was getting a 'late payment fee'. I was confused by this because I had Direct Debit set up! I checked and indeed my CC bill had NOT been paid! I called up HSBC and they said: - An attempt was made to take the money but it was refunded instantly (it doesn’t even…
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Buying a car from a main dealer......
We're just about to buy a new car from a main dealer. Is it always best practice to pay £100 on a CC for extra protection?
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What to do?
Deleted as no advice offered.
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Took my eye off the ball - Mint card
Hi, I was hoping for some advice regarding a Mint credit card. I have had this card for a few years now and never had any problems, however recently due to me taking my eye off the ball and not checking my balance regulary etc I have noticed that the balance is over the limit. I am really cross with myself about this, but…
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Credit card limit utilization
Hi all. Can you advise on what is an ideal percentage of credit card limit utilization to not go above for best credit scoring? For example if i have 2 cards each with £1500 limit on, total of £3000 available, what percentage of use should i try and stay below, so as not to damage my credit score too much. Thankyou for…
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Online Store Delivered Without Payment
Hi there guys, Very new to all this but need some help clearing this up. I ordered 2 pieces of furniture from an online store with my debit card on the 6th January. The delivery date was booked and I noticed payment was not taken, I read their terms and info and it informed me that they would always take payment on day of…
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Paypal, Credit Card & Section 75 Protection
Hi All, I purchased an item from an online retailer back in November last year. The product was not fit for purpose but the retailer refused to accept this. I had ordered the product from their website but had used the PayPal option instead of direct CC payment. However I completed the transaction through Paypal with my…
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Closing/reducing or what next
Hi everyone Bit of advice needed please. The goal is mortgage app in 18 months, but relates to credit cards. I have a vanquis card, was 3000 limit with 49.9 % APR opened in early 2010, a cap one poor credit 34.9% APR opened in November 13 for there BT offer, both cards now have zero balance. My through an offer via…
