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AMEX card holders - AMAZON VOUCHERS ARE BACK!!
Just a note - for membership rewards - the Amazon vouchers are back on the site to order. All denominations currently available - but hurry! Just in time for Christmas
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My M&S card
Sorry not really got anyone to turn to atm who can really answer me so thought I will post on here. I have been away on holiday for 2 weeks and during this time I have received my statement. I come back from holiday early hours this morning and opened "my statement" up at around 11am read it etc and saw the payment due…
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BT Card, Letter Asking for Info
Evening! So I applied for a balance transfer card last week, requesting initially to transfer £2,000 from my current card (Tesco) to a new card with Lloyds. I just filled in the online application form thingy. The current balance on the card is closer to £3,000, but I'm planning to have it reduced to below £2k before the…
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Thinking of getting a balance transfer credit card
Hi all, Any help would be much appreciated. I've got a capital one credit card, with a new bill just about to come through. If I was to switch to a balance transfer credit card with an interest-free period, could I take out a couple of hundred pounds cash, and then the fee for doing that would just be added onto the new…
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Section 75 situation
Hello MSE community, About 4 months ago i bought a sofa, new. However after only a few weeks one of the supports inside snapped and the center seat started to collapse. I complained to the retailer, but they refused to listen. I then made a claim under section 75, however as there was no evidence that the retailer was at…
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Balance transfer
Hi all In August I opened a joint account with my gf with HSBC, who at the same time gave me a credit card with £1k limit. I currently have a Barclaycard with £250 limit but this is over the limit now due to charges and a CPA I have only just found out about (I've always been paying the monthly minimum but charges still…
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Available credit limit in relation to income
Hello all, wondering if you can help me. I currently have 3 credit cards with a combined credit limit of £5000. My income is £30,000 per year. Is a £5000 credit limit ok in relation to my income? I pay all credit card bills in full every month and try not to use more than 25% of the available card limit. I may also be…
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Double Balance Transfer
Hi, I have a Tesco credit card with a balance of approximately £1500 on it which is coming to the end of its interest free period. I also have an offer from Tesco for 14 months interest free if I make a balance transfer to it. In order to save applying for a new interest free card I was wondering whether I could simply…
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Help
Hi I was wondering if anyone had any tips for me the only debt I have apart from my car is £5000 on my credit card which is pretty much maxed out due to unforeseen circumstances, I would prefer to pay this off and take out a loan instead I.e cheaper per month and less interest but I have been declined the only negative…
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Capital One Credit Query
Hi All, I have a Capital One card with limit £200. I have accidently over paid by £14 so am now £14 in credit - does anyone know if Capital One are ok with this as a one off? I did send them a secure message but the response was "Yes you are in credit" and nothing more! Thanks for someone answering this!
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Pockit pre paid credit card
Has anyone received their £5 bonus yet on the above credit card. According to Martins latest email goes to the first 2000 customers. Thanks.
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CapitalOne Mastercard - contactless
Hello My CapitalOne Mastercard has the contactless logo on it - but will it automatically be 'enabled'? I can't find anything to say I need to activate it on the website. I want to try using it on the Tube tomorrow and don't want to be stuck!
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Balance transfer gone wrong
I managed to sort out all my credit cards when Barclays offered me a 6.9% deal. I had £7,000 limit. I managed to put all my other debt into this card. My total balance came to £6,500. But I did a balance transfer twice on acts. I thought I missed out a balance and did a balance transfer once again 2 days later for £1,000.…
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Is too much available credit a bad thing?
I am looking at getting a mortgage in the next few months, so I have been closing down unused credit cards etc over the last year. I've just checked my credit reports and it's showing I have around £16,500 available credit. However, nearly half of that amount is actually my business credit card, I'm self employed so it is…
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I changed the APR on small print on Barclaycard application
And it was accepted. I've just had a CCJ pass it's seven year limit (for a whole £150 on a mobile phone). I've never bothered with credit as I honestly don't need it. Anyway, the CCJ expired and I've been inundated with pre-approved credit card apps and what not so I just randomly applied for one -a BarclayCard - but…
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Credit card overlimit..
Hi there, Ive had a credit store card for a couple of years now, my credit limit was £3000 and it is £1500 cash £1500 credit, I pay my minimum balance every month dd. And when I have paid two or three months, I have spent again, on this months bill my balance was £2970, my dd comes of on 20th November for £118, and £80…
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Balance transfer from Vanquis - Advice please
Hello I have just taken out a new Sainsbury CC for the sole purpose of paying off my Vanquis CC which has approx £1500 on it. However Sainsbury have now told me they don't do balance transfers to Vanquis (no mention of this at time of application!). Should I cancel my Sainsbury's card and take out another card? (Are there…
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"Very" account declined - Don't Know Why?!
hi, i registered for Very ISME and Littlewood all of them decline my Account application - when i click the first continue its says. "Sorry, on this occasion your application has been unsuccessful" why? I have never had a credit card/loan before I only want the Account for a laptop for an xmas pressie... Can anyone help??…
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Should I cancel this card?
I have a basic Santander credit card that I have used maybe twice to book flights with in the past 3 years. I have a Santander 123 credit card that I buy fuel and shopping with for the cashback incenctives and pay it all off 100% every bill date. I am going to a mortgage broker next week for an initial meeting as a first…
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Balance Transfers on 0% Cards
New poster here. I am trying to help my daughter clear her debt which is under £1000. I'm thinking of getting a 0% Credit card, in my name, with 20 mths interest free on it. I will then pay off her debts she has and then she will set up a direct debit into the card for the 20 mths to clear the debt. Do I have to have a…
