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Credit score and credit card
HI there, My credit score is in a bad state since I went on a wreck less borrowing spree during the last year of Uni and shortly after I graduated. My Credit score was poor. So I followed the advice laid out by this forum/site and took out a Vanquis credit card soley for fuel and food/online purchases that I can easily pay…
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I want a credit card that suits me... help!
I want a credit card that rewards me... I am a high earning person, no debt apart from a mortgage... I have upto now paid everything from my debit card... and have a credit card with my bank that if I use it pay it off at the end of the month in full.... My expenses are relatively low but I tend to use my credit card like…
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Isle of Man Balance Transfer Cards
Hi, Does anyone know of any of the Balance transfer deals that are about at the moment that would take an application from the Isle of Man. I'm struggling to find any that will accept an online application. Thanks
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Money Transfer cards
Looking for a few opinions on Money Tranfer cards, in particular consolidating some debts that I have along with tighter budgeting. I have an overdraft on a hsbc acct with a hefty interest - about £320 overdrawn. I try to pay a bit off each month. I also have a credit card with hsbc with about £700 left to pay. I am…
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Avios
Hi, I am looking to apply for an Avios credit card. Can you combine Avios points from various cards? Such as if I had a tesco credit card for groceries as they tend to enhance their points for people who shop with their credit card in store. and another card for everything else, flights etc. For the latter card I am…
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Applying for Balance transfer card.
Hi can someone please tell me if I'm eligible to apply for a balance transfer Credit Card whilst living on the Isle of Man. I've tried several of the big names and when applying online my address won't be accepted saying it's not a valid UK address !! Thanks
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credit card loan
I am looking into getting a credit card to pay off a few things for a wedding, and am unsure which card is best. Some things can be paid by card but others may require cash or bank transfers. I need to borrow around 1500 but am unsure which card is best or which is likely to offer me a higher limit. I can repay all…
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Length of time for card to clear
I am curious to know why my CC payment comes out of my bank account on the 4th of the month, but doesn't clear the balance until the 11th. In these days of fast payments why does it take so long, it the money just in limbo or in the Bank for the CC?
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Another Contactless Card Query
I am a very conservative and occasional user of CCs (apart from the Santander 123 with its cashback options). My other card expired recently and was replaced with a contactless version. I have yet to register it. I know that loads of people use contactless cards but I am wary of some stories I remember when they first came…
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Cancel or keep?
Hi there, Just a quick question - we have a barclaycard balance of £3,500 which we want to shift to a new card with 0%. Credit limit on barclaycard is £8,000. Is it wise to cancel the barclaycard or keep it going? Any help would be appreciated. Ps - we are looking to remortage next year to move to a larger property.
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contactless card abroad choosing to use local currency?
I'm just back from a trip abroad, using my Nationwide Select Credit Card, which has no loading on the visa Europe fees. Each time I made a transaction, the terminal allowed me to choose to pay in GBP or say "no" and it would revert back to local currency. Out of about 20 transactions, one museum just took the money in GBP…
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Amex avios
Hello, I am looking at getting a credit card that will accrue AVIOS points. I have got a service charge coming up of £1,200, if I make the payment via AMEX online will I collect AVIOS miles? Thank you inigma
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LLoyds Credit Card
Thank you.
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Need some help.
I am trying to do a online purchase for the amount of £610 I first tried my Santander purchase card it got decline after that I tried my second card from Santander that was also declined. The same thing occurred when trying to perform the transaction with a TSB credit card. My question is are they declining it for security…
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Tesco CC Minimum Payments Almost Equal to Full Balance
I'm not sure how Tesco calculates the minimum payments for their credit card, but it seems there is little point in this 0% deal I have with them if the minimum payment is nearly or is equal to the entire statement balance. For the last 2 months: Statement Balance | Minimum Payment £18.15 | £18.15 £29.82 | £25.00 As to why…
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PT Academy.com - please help.
Hi guys, Are there any PTacademy.com users - please dnt confuse the site/company with other sites/companies - such as PTacademy.co.uk/PTacademy.co.au. I am thinking of enrolling on the Personal Training Level 3 diploma (distances learning) for £995.00. The website seems genuine and I cannot find anything negative on the…
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Best way to pay off credit card?
Hi I'm a bit confused as to which way round I should pay off a credit card. I want to pay off my halifax card in full and close the account, the current balance is £5,400 I have a credit limit of £11,000 on my virgin card with a current balance of £4,163 which is at the full rate of 29.95% I have a promotion offer for the…
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What Credit Card for for spening abroad?
Hiya We've booked a bit of an impromtu trip to Tenerife next week, got a very late deal and wasn't expecting it, I ahven't been on holiday for a good couple fo years so not sure how best to spend when there. We will be taking most of what we anticapate we need in Euros (won't be lot) but wanted to take a card or 2 just in…
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Life after overlimit
Hi I have been over limit but now I am paying off the cards nicely, how long do I have to wait before I can ask for a higher limit and possible balance transfer on the following cards Barclaycard Initial Capital One (wanting better rate for balance transfer) Hope someone has had experience and staying on the right track xx
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how long will these 0% transfer cards be available?
hello everyone, im looking at getting a balance transfer card but im just wondering how long these big 0% deals are going to be around for, and weather i should wait for an even longer period to be available or to just go for it now in case they stop alltogether? what is it thats causing the card companies to give out such…
