Credit cards

Archives for January 2015

Doing a Balance Transfer? Check Your Direct Debit
I'm sharing my idiocy here in the hope that it might help somebody else avoid it... Last month I BTd just over £3000 onto my Natwest CC, who had offered me a life of balance rate of 6.9%. Skip forward to this morning and I log onto my account to find that the entire balance had been requested from, and rejected by, the…
Aqua credit problem
To improve my poor credit rating I joined & was accepted by Aqua in August 2014. I was given immediate credit of £250 rising to £650 with no problems until a recent unauthorized transaction in December which, unknown to me at the time, sent me into an overdrawn situation. I contacted aqua immediately and they restored my…
transfer balance from one person to another
I'm looking to transfer balances onto one card for me and my husband? do i have to geta joint credit card or just transfer my card onto his or vice versa? or can it not be done at all?
Credit Card Limit
Hello All We are looking to get a credit card with 0% interest for a decent period of time to pay for flights to Asia for 5 people at the end of the year. Obviously the sooner we book the flights the cheaper deal we will get. My question is regarding the limit CC companies will offer - anyone know if we can find out in…
This should be an easy CC query
Hi everyone, looking for some information on a situation that is about to happen. Partner A, has CC and has had for many years. No problems with paying bills apart from the odd late payment which has incurred penalties which were paid without fuss. Partner B never has had a credit card and owing to being mainly on…
What to do with old credit cards
I have for a number of years used credit cards to take advantage of 0% interest on balance transfers. This has left me in a situation where I have about 6 credit cards where the 0% interest has expired and I no longer use them. My question is ..... Should I contact the credit card companies and cancel the credit card? And…
Advice needed re PPI
Hi everyone, My fiance is hoping to claim back PPI on an Egg card he had from 1998 to 2004. Does anybody know who we could direct the PPI claim to since Egg no longer exist? Was it barclycard who took over? Finally, what details will be required to make the claim? Since it was a long time ago he no longer has the…
MCC codes
Does anyone know where I can view a list of MCC codes applicable for UK MasterCard and VISA, please?
ATM in Dominican Republic problem
Just a simple question really. I have been using my Halifax Clarity Credit Card to withdraw cash from ATM's quite regularly with no problem here in the Dominican Republic. Today it gave me a withdrawal slip, but NO cash. We found a nice lady in a shop who lent us her mobile so we could contact the Halifax operator to…
0% Credit Card To Pay Off Personal Loan
I have a little over 3K left on my personal loan and was wondering if its possible to apply for a 0% credit card to pay off my personal loan early in hope of saving a little bit of money. If yes, what's the best way to go about it? - Nathan
Postdated payments
I need to pay a deposit to a car hire firm to book a car in August but he's not a limited company etc and I don't want to find out he's gone bust or other calamity. Is there a way of paying him now with on a named date when he receives the funds with a card or Paypal etc, so the payment is made on the day we pick the car…
Dormant credit cards
I've been doing some housekeeping and come across statements for cards I haven't used for a long time. MBNA - 11 years, Halifax platinum - 11 years, Karen Millen - nearly 5 years, House of Fraser card - 6 years. I don't know if they're still "open", but if they are (I don't want them) should I close them all or is that bad…
pip claim refused
Please can you advise me ,paid for daughters implants with my cc.CC company refused to refund me as purchase was not for myself.Implants ruptured and were faulty . CC company said i am a third party and there is no contact with me . Can i still get refund?
Credit card not in plastic
Hi, is there any UK credit card not made in plastic? I mean something like the black card that you can see on the depliant sent every time you apply for a new CC. It seems to be covered with velvet. Just curious. Thanks
lost reward points from MBNA
Hi, I just logged into my MBNA account that i have had for several years, and it looks like they have taken over half my points. I emailed them and they said because they were over 36 months old i lost them. I had no warning, or notification this was the case. Anyway i can get them back?
Monthly payment via credit card?
Hi all, I purchased a new car a few weeks ago, I part exchanged my car as a deposit and didnt have a chance to use my credit card for the deposit. I was wondering if it would be possible to pay for one of my monthly payments by credit card? I dont really know how it works but I thought if its set up as a direct debit you…
"Failed" Halifax BT happened anyway - now done twice!
If you received the following message when trying to do a balance transfer:We were unable to complete part of your balance transfer request. See the balance transfer summary on the left for more details. We recommend that you print this page for your records. [On the left - a large red cross next to one of the attempted…
Barclaycard dispatched - definitely accepted?
I have typically gotten bad credit limits on cards before, as despite a perfect payment history, I've not yet come out of my student overdraft since graduation - it's hitting my credit rating a fair bit. I needed a 0% card to balance transfer the remaining credit I had. Took a shot at Barclays, to my surprise, I got it. I…
Overpaid on 2 credit cards
Hi guys, I've had a massively patchy credit rating through the years to say the least. I've been using high interest credit cards for 5 years to try and rebuild it and slowly worked my way out of around £15k's worth of debt. I'm now in a position where my credit rating appears really good, And moneysupermarket, experian…
Applying for a 0% balance transfer card
Hi, hope this is not too much of a stupid question but I wondered if I apply for a balance transfer card would my current card be cancelled/withdrawn or would I still be able to use it? The plan is to transfer but keep the old card for emergencies, but I don't want to apply and end up with no cards. I'm very new to all…

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MSE News

Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
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Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
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'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
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