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How should I use my credit card?
After 5 years of being on the electoral role and staying on top of my bills after an appalling start to my financial life, I have finally this week applied for a new contract phone and a vanquis Visa card and been approved for both. I'm always very good at paying my phone bill so that's no issue. My question is, how would…
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LIDL in Paignton takes CC's - Is this the start of the end of useless threads
Like this one! Sorry, couldn't resist starting a LIDL thread after the last epic one!
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0% interest free card as an existing customer
A lot of the 0% interest free for x months credit card deals seem to be available to new customers so I was wondering as an existing customer how can I get another one? From what I've read there can be a negative impact to cancelling existing credit cards and I'm sure there will be a cooling off period before you can re…
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MBNA Low Rate Eligibility Check
hi, I wonder if someone can help me here before applying to MBNA low rate credit card. The eligibility check came as I won't be accepted for their introductory rate 6.5%, but the good news is that I may be eligible for 8.9%. I don't won't to proceed to a full application and get a hard search on my file if this means that…
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Lloyds Credit Card
So I currently have a mortgage and a credit card with Halifax. But thinking of applying for a lloyds credit card (for the rewards) The mortgage is very recent (only just had the first payment taken out of my account), the credit card I have held for over 4 years (rewards clarity) and pay off in FULL in month by DD, and…
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Barclaycard - payment BEFORE due date?
I'm a big user of Barclaycard - always over £1000 pm. I hadn't noticed this before, but on their emails advising about statement availability they say: If you already pay by Direct Debit, just remember that the next payment to your card account will be made on or before the payment due date (my emphasis). Now correct me if…
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Overpaid credit card
Hi everyone, I overpaid my credit card by £14.00 :D If I spend that £14 will they charge me interest?
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Mbna
If i do a balance transfer of £4000 to an Mbna credit card what would the minimum repayments be please. Have looked all over their website but can't find no info.
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Use my BT card to clear my wife's credit card
I want to apply for a balance transfer card and if possible use that to clear one of my wife's cards, which has debt of £5000 with very high interest. Before applying, can anyone advise if, assuming I am accepted, this is permissible? Thanks for your help.
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How do I clear my Lloyds credit card?
I have a Lloyds one which I want to pay off. I can't do it in the bank, or on the phone. I contacted my current account holders and couldn't pay it that way nor could I pay it off with the account information Lloyds gave me via online banking. It comes up with an error :mad:
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Tesco Credit card application
Hi, I applied for a tesco credit card on Friday morning and at the end of the application it said "We may be able to offer a credit card". I was also given an estimated credit limit and APR. I thought it was pretty weird to mention the credit limit and APR if i hadn't of even been fully approved. Has anyone else had this…
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Airmiles? How do I know how many I need?
I am thinking of getting an airmiles credit card as I'm moving into a new house so will be spending about £25000 on decorating etc. I was hoping to either fly business class to oz with my partner or at least get our flights free. How do you know how much you need to do this? Flying uk to Sydney. I will also put all out…
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min purchase to improve credit score?
hello, im getting my first credit card this week hopefully to improve my non existent credit score, it shows as good , but ive never had credit apart from mobile contract that i always always pain in full, so im going to get a credit card i dont really need, just to improve my score, please can you tell me how much i need…
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Credit Card Fraud Help!
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Paying off an overdraft
Hi there, I really need some advice. Im hoping to pay off my £2000 overdraft that i have with Llyods bank and i was planning on taking out a credit card with them to do so. However once the overdraft is payed off (in one payment), i plan on destroying the credit card. As i have never used a credit card before im a little…
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Opening a new Current Account to Use as a Donor Account
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Balance transfer credit cards
I'm trying to get to grips with the balance transfer cards and how they work can anyone offer some advice please. If we transfer our debt of around £5000 from one card to another does that mean that the original credit cards limit goes back to zero? And we will be paying the new bank the payments? I saw that if you contact…
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Possible identity theft - help please!
I work away from home during the week (I live in East Anglia and work near London). A few days back I received another strange mail from a council in Scotland about a business rate. I replied to them asking why this was sent to me, but haven’t heard back. I deleted the mail without thinking much of it. Now, I have received…
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if trader charges credit card without me knowing or agreeing
This act seems to me tantamount to theft. I can't find a statement online of the steps he must legally take before charging my card.
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Online application for Barclaycard
Approx 3yrs ago I completed the online application for a Barclaycard. At that time my credit score was not brill and the online system rejected my application. 4weeks later they set up an account and sent me a credit card with £3000 credit.... Without any correspondence with me! How can they reject me, then take it on…
