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cash back positive balances
Are positive balances 'allowed' on cash back cards? I believe positive balances are usually in breach of terms and conditions. My OH has one for business miles fuel, paid off each month.
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NHS-exclusive: Prepaid cashback card - up to 5% cashback
Availble from Health Service Discounts https://www.spree-card.com/HSDSPR/Register/RegisterPreEmailSteps.aspx and from PSdiscounts http://www.psdiscounts.com/nhsstaff/ This is a prepaid debit card that has been posted a few times before. It's available to NHS staff with an NHS email address only, though there must be a few…
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123 cash back
Just got myself a Santander 123 credit card and have been very disappointed just how many outlets don’t count for cash back. I want to make a few big ticket purchases and have found some good deals from one off mega stores via the net but when I check them out on the Santander web site it does not acknowledge these…
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MBNA Declined Credit Increase
Hi there, I was recently making a large purchase online to which my credit limit on my MBNA Card would not allow. So I called up MBNA and explained that I would like to pay off my remaining balance to clear my card so the payment would go through. That was a "no go" because the payment would not clear in time. So I asked…
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Applying for credit card during move
Hi all - I am currently in the process of buying and selling a house; we have buyers for our property and have found a property, and are nearing the end of all the legalities (i believe solicitors are currently looking over land registry info.) According to them we are around 3 weeks away from having a moving date. I…
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Credit card debt help!
Hi, I am struggling with my credit card debts, and I was just hoping that someone from here could give me a bit of advice. These are the credit cards that I have: Tesco credit card: balance - £1,980, 0% interest until July 2015, then goes up to 18.9% interest. Minimum monthly repayment - £25. Lloyds credit card: balance -…
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Transferring credit card balance from one person to another.
Hello all! I'm a first time poster so apologies if this has been bought up before as I couldn't find anything on the search. I currently have a credit card, is it possible for my wife to transfer the balance onto hers or does it have to be the same person transferring money from card to card? Thank you very much in…
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Halifax - New Customer?
I have just closed my halifax credit card today. The MSE article on when are you a new customer indicates that Halifax/Lloyds would be a new customer 30 days after the last statement. My last statement was today so I'm hoping to apply for a new card in a months time. Does anyone have any experience of the 30 day new…
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Credit card fees for topping up Barclaycard bPay band?
I've just received my Barclaycard bPay band for contactless payments on public transport etc. I wanted the convenience of a wristband, rather than having to ferret around for my credit card whenever I pass through a payment point. My question is: when you top up with a credit card is it processed as a quasi-cash…
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How much is too much credit?!
I got turned down for a santander credit card recently, but I thought I had a very good credit score. One reason might be because my total credit currently available (on multiple credit cards) is close to my annual salary. Is there any rules here to when credit card firms will reject applications because of the amount of…
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Confirm identity using ireland bank account?
I am applying for a credit card and i need to give bank info to confirm identity, but the only bank i have at the moment is an irish account. Would anyone accept an irish account for identification, or would i need to open a uk bank account?
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What comes first? The balance transfer or the payment amendment?
Hi Never posted here, so hope this is ok. Not great at this whole credit card malarkey :( I had £947 outstanding on my Barclay Card making min. repayments each month Received of an offer for 18 months 0% interest for balance transfers to my Halifax card and decided to transfer the whole lot over So i made the application…
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Best backup card (from what i've already got)
I have a Santander Zero card for foreign travel (no more than £500 mainly, if not all, cash withdrawals). Confusing myself trying to work out which of my other cards is best for backup and i'm sure somebody knows without looking. I have credit cards: Barclaycard Visa Barclaycard Amex Which tends to have the best exchange…
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Why do they blank out my cc number?
On my 123 cc statement they blank out all but the last four digits of my cc number - why? Cheers fj
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Is Metrobank Credit card considered as prime card?
Hi there. I am planning to apply for Metrobank Credit Card, but my credit history is new from the credit card part, I have 2 CCs since May 2014 and I am paying them in full each month. Is it considered as prime or sub-prime credit card? I am current Metrobank current account holder, that's one of the requirements. I will…
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Credit card and pin sent to ex wife!
a certain building society I have been banking with for many years have sent my new credit card and PIN number to my ex wife's address. At first they accused me of trying to be fraudulent in my application and later said I had entered my wife's address on the application. Both of these are incorrect as up until this point…
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Do credit card payments have to be refunded back on to the credit card?
If a merchant offers you cash, cheque or bank transfer, is this acceptable?
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Interest Free Period Ends
Hey all This may sound silly to a lot of you, but i really want to find out: I have a Tesco Credit card, and the interest free period on purchase is ending in 12 November. My statements run from 12th to 11th of the month. I still have around £1k to clear off. The payments are taken out on the 1st of the month (so in that…
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Amazon CC No Longer Visible
When I log in to MBNA my Amazon CC is no longer visible. However, a new Standard Mastercard with a different number, which I haven't received is now shown. Does this mean I can no longer use the Amazon card, which I don't plan to do anyway, I just wondered. Once I get my outstanding Amazon points as a voucher I will be…
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Clearing cards
Hi.. Advice pls, ill keep it short n sweet Got some money and able to pay off some cards, Total debt lets say 5k for arguments sake this includes 3 cards Cap 1 bal - £1513.27 > Limit £1800 Halifac cc Bal £1388.00 Limit £1500 Barclaycard Bal £882.46 Limit £1200 When paying balances am i better to clear the whole lot and…
