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Barclays Initial - Benefits of 0% on purchases
Good morning What does exactly 0% on purchases for first three months allow me to do ? My basic understanding is that I don't have to pay my balance for first three months. However would that not count as missed payments ? Thanks Al
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Taking Halifax Clarity card to USA, only have £500 limit, can I pay off as soon as...
OK, so the only thing I "need" my Clarity card for is for one of the hotels I am staying at in NYC, they require a MasterCard and it is going to come to £400 or thereabouts provided I don't clock any additional bills up (I don't plan to)..... I will later be staying in Philadelphia but have already paid online for…
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Santander overdrawn help
Hi guys I need some serious help I am £1300 overdrawn with Satander initially It was a agreed overdraft and initially I was charged £1 everyday I spoke to a woman in the bank but got nowhere today explained that I have currently no income coming in and she spoke to her colleague on the phone who waivered a £44 charge that…
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HSBC credit card ,Am i entitled to a refund ?
Hello . I used my hsbc credit card to get help from an online immigration advisor . My wife had her application for an extension to her visa refused and I have dealt with most of the forms ref tribunal hearing etc etc But we decided we might need specialist help at the hearing . So I googled some immigration advisors in…
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What Credit Card for my situation?
Hi Going to upgrade my car and would rather put the difference on an interest free credit card than take a chunk out of my ISA. I have a £1200 Nationwide CC which charges interest now (had it 18 months) and a £500 HSBC one that came with my student account and has stayed now it's a graduate account. I earn 23K and have…
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M&S credit card limit reduction
I have just BT the balance on my husbands c/card onto my Barclaycard to take advantage of the 34 months 0% offer and can easily clear the balance over the next few months I just begrudged paying the interest. The balance on the card stands at £4300, I have t/x £4k off it, any idea how much they are likely to reduce the…
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Theatre Tickets - Section 75 refunds
I booked 2 tickets for the Lion King at the Lyceum Theatre in January 2015 through Love Theatre, the 2 tickets were for a Christmas present for my son and girlfriend. Tickets were paid for on my credit card to the value of £109.40. I have just found out that my son has just received a letter to attend a job interview on…
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barclayscard initial
Just a quick few questions before I apply for one of these, my credit rating isn't the best and I'm going to be using this to build up my credit score. Say I was short on cash and just wanted an extra spare 50-100 pound to tie me over untill the next pay day and i knew I could pay the full amount of money back every time…
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Cash plus credit card
Has anyone used this card to repair there credit file? Does the monthly payment come out of the card balance or do you have to make an alternative payment like DD for example?? Thanks
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Balance Transfer Card Questions
Hi, I had a few questions about a balance transfer card. 1. One of the best balance transfer deals is the Barclay's Platinum with 34 months. If I already have a Barclay's Platinum, can I reapply for the new rated card? 2. If no to 2, what can I do to take advantage of that deal - cancel and reapply? 3. If I have several…
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card cloned :( - advice please
I'm hoping someone will be able to give me some advice. To my dismay when i went to my mobile barclays banking app i found that i was £1200 overdrawn, this never happens I account for every penny. The last 2 years I have managed to keep in the black and pride myself on it. I phoned barclays, who told me I have 4…
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Does Capital One still give you a card if you don't have a bank account?
Capital One sent me a classic card recently, a name that is my proper i.e. passport..But I dont have any bank account or credit under that name...My current bank account was under the name prior to the name change, so am wondering if C1 did a credit check did they see the same file as my current bank Nationwide sees?
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A big thank you to Martin
Just popping in to say thank you to Martin. I've been worrying myself silly about my HSBC credit card which has been £4,500 for the past year because I've only been able to make the minimum payment of £100 each month, and the interest has been about the same so only a few quid off the actual debt. I took the bull by the…
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Re-done Nationwide credit application but this time got declined?
When I first did a nationwide credit card application I got accepted subjected to ID, since there was an issue with my surname (letter being different) my passport did not go through, so I cancelled the application and did it again..Now this time I only got £1000 quote...And therefore was declined...I re-applied using the…
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paid for tesco bathroom with credit card
I paid £9700 on my credit card for tesco and mark 2 bathroom. Items were delivered and are now languishing in my dining room. I have a shower and working loo only. The bathroom is so cold (no heating/plaster on walls/tiles, lights, extractor fan or sink). The wind whistles through the brickwork. I am going to claim under…
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Using a credit card with budgetting, please help!
Hello everyone. This is my first time here and hopefully I can help others in the future. Firstly, I believe that for 21 I am smart with my money. I have a basic spreadsheet which shows all my income (paid 4 weekly) and Bills which then shows how much I can spend on my debit card (santander) every 4 weeks without going…
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Overlimit fun (not)
Hello all. This is what happened to me when I went over my limit on my Tesco bank credit card last month. I got a letter informing me that I was £xxx.yy over my credit limit and that I was to bring the account back under the limit immediately. Which is what I did: I made 2 payments on the same day from my bank account, and…
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PPI Help needed please.
I got a letter from Monument telling me I had a claim. I forgot one vital thing. I'd divorced and changed my name. They sent me a cheque at the beginning of June. I called them and followed their instructions to return the cheque with proof of who I am. I did this. I contacted them in August they told me they had lost the…
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Two loans over to a 0% Credit card?
Hello all, I am sorry that this appears to be my first post (and that its so long) but I have been reading through for the past couple of months and trying to get us debt free in the shortest possible time with the exception of the mortgage which is going to take some time, I have also tried to give all the details I can.…
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If you apply for a CC-how long before data shows for other lenders
Say for instance I got a card on November 27th...Made few purchases and few cash withdrawals. Then I apply for another card on 7th December, would their credit check show information about my previous application? also when does your credit score start to go down once you start using your card, and would that reduction in…
