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Feel silly asking
Hi all. Daft question. I have got myself am aqua card to build up my credit again. My question is regarding payment and interest. My bill comes out of the 8th of the month and is due on the 27th. I get paid on the 24th and always pay in full. What I would like to know is when can I touch the money again without incurring…
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Natwest Cashback Card
Looking for a decent cashback card. Is it worth applying for the Natwest one? There is a £24 annual fee but since I'll be putting all my spending on it, I'll still come out with extra money. Anyone here have the card? Any thoughts? The others I've looked at (Capital One, Nationwide) are 0.5% at best. At least with Natwest…
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0% credit card - How it works?
All, I have purchased 0% Tesco credit card. Not sure how it works. 0% interest for limited time is for only first purchase or for any purchase from now and 19 months? Vids
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Balance transfer help/advice please
Capital one platnium bal: £0 £750 Granite £0 limit £1000 Barclaycard plat £3800 limit £7200 Barclaycard visa £1500 limit £2100 Argos £380 £400 Very £420 £1500 Status:currently unemployed,tried for several loans to consolidate but amigoo was only offer and interest was crazy.. i currently have a barclaycard visa with around…
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MBNA Overdraft % Transfer
Hi, I have just applied for and been successful in getting a Barclaycard % BT CC, :) I got a large amount of credit on the new card £9800 which I have BT onto with from my old CC £5000 I now would like to get an MBNA card to move my 2900 overdraft onto, as I got such a large amount on the new card and I have good credit,…
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New 0% Balance transfer card doesnt cover my debt
To cut a long story short I have a horrendous amount of credit card debt on my Barclaycard Platinum-currently about £8200, paying £300 a month which is hardly making a dint! Recently applied for a Lloyds card and was accepted so I can transfer some of the balance over- but my limit was only £2000. Would my best option be…
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Santander credit card direct debit addtl payments
This might be a silly question... on my Santander credit card I've been making fixed amount payments of £50 by direct debit until now. However, this month I made an extra payment of £200 by debit card. The direct debit of £50 would normally leave my bank account on the 15th next week. Will this extra payment of £200 reduce…
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mbna 0% cash
looking in to the 0% on MBNA cards for cash to pay off my existing loan. just wondering if anyone knows MBNA's minimum payments? i want to pay off around £200 a month but possibly a little less over xmas time.
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Annual payment fee
Hello All, I have a Capital one credit card. I noticed on my last statement that I was charged £18 for an annual membership fee. I have had this credit card for several years and I will be honest this is the first time I have noticed the charge lol. I don't remember when I first signed the terms and conditions whether the…
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How to get more credit?
Hi I have a Santander 123 credit card but the limit is only £500 and I would like to have it increased. I have had the card since March and initially the bank said they would review it after six months but I have asked for an increase and they said 'No'. I pay off the balance each month. I do have two other cards, one…
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Applying while also getting a mortgage
Hi, I have a credit card that is costing me £14-20 in fees every month, which I don't currently use and I'm trying to clear. I should look at a 0% balance transfer card - right? Question is, I've just had a mortgage offer approved. Does this affect my credit? I've looked on Equifax and I seem to be ok? thanks,
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Best Credit Card & credit limit questions
I am after about 8k of 0% interest free to help buy a car, roughly in March / Feb next year. I'll have an 8k/9k deposit for it also. Am I better off closing both my current cc's for this? I have a Halifax Clarity card which I just use for cheap exchange overseas spending on holidays - and pay the balance off as soon as I…
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BT from Argos store card to Barclaycard.
Does anyone if you can bt from an Argos store to Barclaycard. I have a BNPL due next month and if possible would like to do a bt from BC as they are offering me a good deal.
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Car hire
Hi, I have had lots of problems with debt in the past. Lots of defaults, all paid off last year. My wife has an excellent credit rating and has never had any problems getting credit. We have a joint account used for bills only, creating a financial link. She has a mortgage (before I had paid any of my debt off). We are…
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Balance transfer newbie question
Hi all and sorry if my question sound silly to you, but i need to clarify this. I have 2 CCs, Aqua Classic with 250 limit, with increased limit to 900 from this month and Barclaycard Initial with 250 limit. I have checked with MSE eligibility checker and got 70% for Barclaycard Platinum Credit Card with 18 months Balance…
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Section 75
Hello, This is a wild stab in the dark and is probably something I should of known about many years ago. In 2008 ish (I will have to find out exact dates), I was sold a piece of software from a company. This software was guaranteed to work for 12 months and within that 12 months the company shutdown and the software no…
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Money transfers - MBNA only?
Is anybody aware of any credit cards that offer money transfers other than MBNA owned cards? Thanks
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new halifax 0% 20 months credit card
hi all, i saw the halifax 0% for 20 months card, passed well on the mse test and so i applied for it, I was accepted for 20 months and have emails etc confirming it went through ok I have now realised on the link it says: "You can't apply for this if you already have a Halifax card, so if that's you, then you need to look…
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Pre-loaded cash cards in S America
Has anyone got any experience of using preloaded cash cards in S America? I see that they are going to charge me for currency conversion and that loading with Sterling results in higher charges anyway. I was wondering about loading with dollars as I've heard that the US dollar is treated as a second currency in Latin…
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Nationwide Section 75 Claim Consumer Credit Act - Problem!
Has anyone had problems with a Section 75 claim against Nationwide Credit Card Services? I have submitted five sets of documentation to establish and substantiate my claim, yet Nationwide claim that they have not received anything from me and have rejected my claim.
