-
Using a card to pay off another card (with a twist!)
Hi all I have a card lying round that I don't really use - It has 0% on balance trransfers for 18 months. My brother has £400 on a credit card and the interest free period has run out. Rather than him getting another card (he's bloody useless with them!) could I transfer it to my card and he pay me? I'm not sure, but I…
-
Spam Credit Card Letters
Hi all, I keep getting these applications for credit cards like Aqua or some Barclays one sent in the post and I was wondering if there was any way to stop it? I don't even know how they got my information but I'd like to opt out of these annoying letters and if anyone knew what steps I should take, I'd be very grateful!…
-
Shop Small is back, December
Hi Guys, just had E-mail, 10 minutes after talking to wife about it. It starts in Dec.spend £10, get £5, same as last time. Just in time for Xmas meat etc.:j
-
Vanquis haven't cancelled my card as requested
I haven't used my Vanquis card in about 6 months. My balance was always paid in full and I didn't owe anything. After getting a new MBNA card, I chose to cancel my Vanquis. I called and they told me it was cancelled, and that I would receive my last statement and cancellation notice shortly. It's now 45 days later and I…
-
1st Direct gold card.. account switch
Hi All, Wondering if I have made an error whilst trying to take advantage of bank account switching. Have switched to a Halifax account, which involves switching everything then closing 1st direct account. However I also have a 1st direct gold card on a 0% deal. The terms seem to imply that you must be a 1st account holder…
-
Capital One
Is a Capital One credit card worth having? I keep seeing it advertised everywhere as a credit building card, but is this really the case? I have another credit card (I don't need the money, it's there as an emergency fund but was lucky enough to be accepted) but I am wondering if it's worth the switch from my BarclayCard…
-
Section 75
Hi all We got notification our wedding venue has gone into liquidation. We paid £2250 on debit card initially as a deposit and then have paid about £250 on credit card to the same company about 2 months later for hotel reservations. Are we still able to claim back under section 75? Any advice would be greatly received.…
-
18.9% APR Variable on £230 purchase
Hi guys, i'm new here and just needed to ask you guys a quick question. So I currently do not have a credit card, but plan on getting one for 1 purchase (need it). So I currently looking at Natwests Student Credit Card which is 18.9% APR. So I plan on spending £230 and should be able to pay it back when I get paid at the…
-
vanquis
Help, I have a visa vanquis card and have reached my credit limit (I haven't really had credit cards in the past so was silly to do so), but I am now paying 100 pounds per month and the balance isn't really coming down, is there a way to do so? p.s. I don't have a good credit rating
-
Avios points
Hello can anyone tell me what credit cards you can use to collect Avios points but preferably with any annual costs involved... thanks
-
'Reward Card'
Hi Guys, I'm looking for some advice on credit cards that offer 'rewards'. My job will soon be changing and I will have to pay for my own petrol costs and can claim mileage back, however I'm thinking it would be an idea to try and get a little extra. I currently do not hold any credit cards and was looking for some advice…
-
I want to replace my Barclaycard
Good Morning All I used to have an Egg credit card and was very happy with it until Barclays came and took it over. :mad: The statement date is no longer on a fixed date eg. 13 of the month and also the payment of the direct debit 'floats' about. With Egg I knew when the cut off for that periods spending was and also the…
-
Cards like Halifax Clarity in the USA??
I have Halifax Clarity Card but I also want to issue a US credit card (in USD) like this card ... mainly to use it for purchases and cash withdrawals in the UK or abroad and be charged in USD. I have good credit in the US, I have a US bank account, I just cannot find online any card that is similar to Halifax Clarity. Do…
-
Littlewwods/kandco etc
We use Kamdco to buy beauty products when they are on special offer as they are usually available cheaper than anywhere else including QVC and with 12.5% back even more of a bargain. The reason for the post is the lack of transparency of the statements, we bought some items on a 20 week account and some were deferred on a…
-
Pre-paid card recommendations
Hello Had: o2 Moneycard Visa until closed by o2 Currently: AA Spend & Earn Mastercard (recommended here!) which expires soon. Does anybody have any good recommendations?
-
Barclaycard Freedom reward voucher not arriving from Halfords?
Hi guys, I am wondering if anyone had a similar experience with the Freedom Reward Points at Barclaycard. Basically, I redeemed some points for a 15 pound voucher at Halfords almost 2 weeks ago and nothing arrived so far. Unfortunately I didn't notice in time that these are not online vouchers and they're supposed to…
-
Aqua Credit Card
Hello guys, Just wanted to share something with those of you who have never been offered a limit increase with Aqua. I sent a message through the online email facility and received a letter saying no I was not eligible and to try again in 6 months. I rung up today and said I had just had my 4th statement was I eligible for…
-
What if the monthly minimum repayment is higher than the credit amount due?
Hi all, my first post on the forums and just looking for a bit of clarification please. I'm new to credit cards and this is more than likely a very 'noob' question but... What if the monthly minimum repayment is higher than the credit amount due? e.g. The minimum repayment I'm seeing is £25 for a lot of credit cards. If my…
-
Second balance transfer into credit card account
A long time ago I did a balance transfer to my Bank of Scotland credit card account, taking advantage of a 0% for 15 months. Earlier this year, about April, I did a 2nd balance transfer into the same credit card taking advantage of another 0% for 15 or 18 months offer. However, I was due to start paying interest back in…
-
Nearly back in the UK
Hi All, We are just about to return to the UK after 10+ years in France and will be living for a while with my parents. We left with a very poor credit score and am not trying to sidestep this, but will be happy with a prepaid card for a while, however even these seek to "verify" you are a UK resident and I will have no…
