-
Second hand car and section 75
Hi all, Ive previously been a member on here but i cant for the life of me remember my login details! Its been a while haha. Anyway....i have a situation which I would like some impartial advice on if anyone has a spare moment. Its worth keeping in mind that i know ive not been massively sensible throughout all of this…
-
Help - need advice on money transfers
I have 2 questions regarding money and balance transfers. I am trying to understand how can I make a money transfer card work for me. My understanding is that it allows you to transfer money into your current account for a fee (as well as paying what you owe on your card). So, for example the credit limit on my card is…
-
Building credit
I have a LUMA credit card with a very small limit (£200). My credit is currently terrible so I'm using this in an attempt to build credit, but have a question. I'm currently making small purchases on it (£5-£10) and then paying it off almost immediately. There is a direct debit setup to pay off the full amount every month.…
-
Second Card Holder and Credit Score
Hi, I am the main cardholder on all three of the credit cards we have. Next year we will apply for a remortgage in both our names. Would my wifes credit score reflect these credit cards when it comes to her credit score? I heard that having no credit cards can work against you when a credit check takes place. My wife has…
-
Waiving a charge for going over credit limit?
Hello MSE-ers Last month I stupidly went 9p over my credit limit for about three days - the payment that took me over was on a Saturday, when I noticed on the following Tuesday I made a £5 payment to take me back below my limit. The credit card company have charged me for this, which of course they are entitled to do, but…
-
Balance transfers/Money transfers
I have 2 questions regarding money and balance transfers. I am trying to understand how can I make a money transfer card work for me. My understanding is that it allows you to transfer money into your current account for a fee (as well as paying what you owe on your card). So, for example the credit limit on my card is…
-
Buying a car through Optimal Payment
I have been looking at buying a car. The seller has stated that he is in the forces, and the transaction will take place through Optimal Payments. I have not been able to view the car as it is at the barracks, however, the seller has said Optimal Payments will arrange for the car to be delivered to me and payment to be…
-
Tesco Credit/Clubcard
While shopping in Tesco, if I pay with a Tesco credit card do I have to swipe it as a Clubcard too or does paying suffice?
-
Aqua card. Time to rebuild my credit worthiness
FYI I had a poor credit rating, according to Experian scoring 648. That score fell to 602 after I applied for an Aqua card. I have defaults on my files most I'm disputing as they should have fallen off when my bankruptcy fell off my records after 6 years. Thought I would give it a go and apply for the aqua card. To my…
-
Santander cash back
Just looking at the 123 credit card and looked on their web site for supermarkets in my area where I can get the cash back on. I'm amazed that my local Sainsburys and Tesco are not on Santanders list. Does is not include all major Tesco & Sainsburys? Anyone else come across this? Thanks
-
Halifax Clarity - couple of questions
I've read through some of the advice I've found on this card but I've a couple of questions which are perhaps obvious but just wanted to check. I'm looking for the card to buy items abroad and ship them here, primarily the other Amazon sites which are sometimes quite a bit cheaper than the UK site. I currently use a…
-
£100 Shell authorisation on credit card - is this normal?
I've used Pay at Pump many times and each time usually £1 has been pre-authorised on my card before filling. I've recently gotten a Barclaycard Amex card, and upon using it at a Shell garage to buy £20 of petrol have found that £100 has been authorised on the card. Is this now normal practice, or something unique to…
-
Credit card and credit score
Hi I've just done a balance transfer fom my hsbc card to a virgin card. Therefore my hsbc is at zero balance , I was going to use the hsbc card to now increase my credit rating by using it like a debit card and paying off the full balance each month . Will my credit rating improve by doing this or will it stay the same as…
-
money transfer credit card- MBNA
Hi All I took out the MBNA card for money transfer. i got around 7000 pounds as money transfer from the card. i'm repaying the minimum balance every month and plan to pay it off at the end of 13 months which is the deadline time given to me. My question is after paying off the balance at the end of 13 months, if i want…
-
Used Car + Section 75
Hi All, I'm picking up a used car next week and have paid the £250 deposit on my card with view to pay the outstanding balance in a bank transfer. I'm getting a 3 month warranty on the car, but the dealer is 450 miles away from me. If he breaks his vow to honour the warranty and the car fails in the 3 months, would i be…
-
Advice on balance transfer
Hello, My wife has a credit card with approximately £6000 on, most of which is from our wedding a year ago. We don't use it for purchases, other than that, in fact it was specifically taken out to take up some of the overspend from the wedding. The interest free period has just run out and we'd like to shift the balance to…
-
Transferring partial balance
I recently got an offer from cc company to take an interest free period on increased credit limit.. I already had balance on which I pay interesr. Having taken the offer, another card has offered me interest free balance transfer deal. If i take this and transfer some of the balance from first card, is there a rule on…
-
Allocation of payments
Hi I want to do something but I'm not sure I understand what I'm doing properly and so whether it will work so the community's advice would be much appreciated. Here goes... I want to take advantage of a transfer cash offer from my cc, which is barclaycard. I want to lend the money to my daughter for a rather large expense…
-
BT Card questions
Hi all, I currently have a Nationwide 0% new purchase CC max'ed out and the deal expiring mid Nov-2015. Although I have the cash to clear the balance I am thinking of applying to another CC and shift the debt over. At the moment Tesco is offering 18mths 0% No fee. Questions: When applying, if they ask for balance to…
-
Stopping credit card/loan letters
Is there any way to stop credit card/loan letters from Halifax? Seems at least once a week i get a letter asking me if i want a credit card or a loan from Halifax (i do bank with them). Im not interested but they dont seem to take the message Its getting to the point i may stop banking with them, as they dont get the…
