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how to get credit card
I have just filled out an application for the barcleycard 0% interest for 35 months to help pay off an overdraft but upon application it is saying it will only transfer to help with other credit cards or store card can anyone help me and tell me how to get a good apr credit card to pay off my overdraft as im in debt :( xxxx
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Wife's Credit Card BT
My wife and I have always conducted our financial affairs individually...... Stupid I know A couple of months ago she confessed that she had over £10k on a well known retailers credit card. Sat down went though all her bits and she had nearly £11k and they had just offered to raise her credit limit to £13.5k....wich is…
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Credit Card Advice
Hey all, Looking for some advice with regards to credit cards. I'm looking to pay off some debts and in total it comes to around £10k The reason for this is that my direct debits add up to around £500 a month and it's a little high, i can make the payments fine but seem to struggle for money at the end of the month. Do you…
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Equity release/credit card
Hi, Bit of advice please. Last year I bought my housefor £350k with LTV of 75% on a 5 year fixed. We have subsequentlydiscovered that we need to spend around £40k on the house (rewire, new boiler,knocking a wall down, new radiators, new plumbing system, new kitchen,plastering, damp treatment .. anyway you get the idea). I…
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card sentinel cover
I was told there was a problem with something like PPI with Sentinel card cover. I have the gold cover not sure if its the only one type of cover but all cards are covered for losses or are stolen However common-sense tells me to cancel my cards before contacting Sentinel as delay means card/s in respect of online purchase…
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Can Barclaycard get my gym membership back?
Hi there , looking for a bit of advice I paid for an annual gym membership in full in January on my Barclaycard , the gym I paid has now announced that it is closing down . They said all memberships will be repaid but they are really dragging their heels on this , they said it could take a 'number of weeks' to sort out all…
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Living with parents - Household Income
Do credit card companies (MBNA in particular) ask for the household income even if you are living with parents as a non-dependant. If so, what should I enter. I work full time and have my own earnings. Do I enter my income only? THanks
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Loan to CC please help
So i have a question that i really would like advise on please. I have 24 months left on a loan, i pay 13.3% APR which equates to around £40 a month interest. I can pay my loan off for £2700. So, if i paid the loan of with the money i have in my bank (albeit i do need) and then took out a credit card for £2700 to get the…
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amex points transfer
Hi All Can anyone please shed a light on this as i have got an amex card with about 35000 points and my wife got a card with about 22000 points. Can we transfer the points to each other's card so that we can get something with the total points rather than individual points. thanks
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Excellent score, Low income
Hi folks! Can anyone advise me how to get a credit card? According to Experian I have an excellent credit score but my income is fairly low at roughly £14k. I've applied for 2 cards so far and been refused. I'm reluctant to keep applying in case it effects my credit score but can anyone provide advice about where to go for…
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Credit Cards
Dear Sir/Madam, I have a question about credit cards. I have 2 Credit Cards with a £750 Limit on one and the other £500 limit now I pay it in full each month so have good credit file, Now I like to buy something around £800 to £1000 I can afford to pay about £520 a month but am wondering if I use 2 credit cards to buy this…
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credit card for car finance
Hi. I currently have a car finance loan of around 3k and paying 4% interest on this with 2 years left to run. I would like to get a zero percent credit card to pay this off with then i am not paying any interest on it. However i am unsure if the credit card payment would count as a purchase or balance transfer so am unsure…
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Tesco Low Interest CC
Hi all, I have a credit card with tesco bank with an interest rate of 12.9% APR. The minimum payment is: • the total of all interest and default fees charged on your statement plus 1% of the new balance shown on your statement (excluding 'Tesco Buy Now Pay Later' special offers) plus any arrears carried over from your…
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Section 75 cancelled credit card
If I pay for something on my cc to take advantage of section 75, if I then cancel the card after paying off the full balance I presume the purchase is no longer 'covered'.? I had intended keeping the card but fell foul of the small print by inadvertently missing a payment and the 0% period was ended.
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Is my credit card approval spam?
Yesterday I used the eligibility checker and then applied for the balance transfer credit card with Santander. I received the acknowlement in my outlook emails which is the email I used for the application. This morning I received an email to say my application has been successful, it looks genuine and it uses my name and…
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credit card debt repayments
I have recently been in contact with my creditors to inform them that I have no income and that the only money available is from my late stepfathers estate. I offered a reasonable offer full and final settlement figure, also informed them that I have moved to the United States. one of my creditors came back by letter…
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First ever Credit Card in UK
after a year in the UK it's time for me to build some credit rating and apply for a credit card... which card provider is more likely to approve? I have been in the UK 1 year, fully employed on good salary, no CCJ etc, I am on the electoral roll. I used the tool to suggest which card and Capital One gave me 80% score, I…
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barclaycard and overdraft
I have a £5000 barclaycard and nearly £5,000 TSB overdraft – I’mtrying to get a loan or a new credit card to pay it all off and start payingback monthly, but using both eligibility checkers Martin provided, I’m 0%chance for both. How do I get out ofthis mess? No one is willing to help.
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Paying HMRC and collecting Airmiles credit card
Hi, I am looking for advice on which credit card to get for my company - I want one that I can pay HMRC payments on and also collect airmiles/rewards at the same time? we tend to put up to £8-£12K on our current company credit cards every quarter with no rewards! Any advice would be welcome! thanks.
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Switch to balance transfer?
Hi folks looking for a bit of advice here. I currently have a loan (5.9%) through a credit union, this can be overpaid and even cleared off without any penalties, I'm considering taking out a few balance transfer credit cards and taking the hit on the initial fee to save on the interest long term, I'm just curious as to if…
