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Best reward for £10k spend first month and £25k pa always paying off in full?
I have £10k spend next month which i will pay off in full and am looking for the best return. Will probably spend £25k in the year and always pay off in full. cant decide if cashback or airline card is best. but cashback seems to be capped at £100 max and i dont travel on flights that often so i'm a bit stuck. thanks
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Uncapped cashback credit card?
i see that Amex is quoted as the best CC at 5% but there is a max cashback of £100. does anyone know of any cards that have uncapped cashback? I have £10k spend next month which i will pay off in full and am looking for the best return. Will probably spend £25k in the year and always pay off in full. maybe another type of…
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Should I move Credit Cards?
Hello Friends I am with TSB Bank and on my Credit Card I currently have a balance of £2,123.88. :( I am on the Silver Account. I tried using the Min Repayment Calc to make sense of why I seem to be unable to get rid of this debt but couldn't get my head around. I am paying £9.95 a month for the privilege of owning a Silver…
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Credit card limit less than balance transfer amount
Hi folks, the title is a bit rubbish i know! I applied for a new CC for a balance transfer and during the application process was asked the amount i'd like to transfer. I received an email saying i've been accepted, but the credit limit is less than the amount i said i'd like to transfer. So my questions are: Will my card…
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Balance Transfer
Is it possible for me to transfer the balance from my wife's credit card to mine for me to pay off?
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Credit card advice`
Hello all, Currently considering another credit card, but before I go into the reasons etc I'll give you some background info on myself. Currently 20 y/o with a good, secure job for my age, earning around the 1500pcm mark. Living at home but paying board etc. Currently put about 15-20% of my monthly earnings into a savings…
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Using Section 75 for repairs
Have fairly new DVD recorder less than 6 months old, cost £260, is faulty. Seller or manufacturer is saying repair is not economic and have offered refund. I don't want a refund I want the unit fully repaired. Can I use section 75 to pay for the 'uneconomic' repairs?
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Downside to cutting up the credits cards? Help please
Hi all, myself and OH are currently hammering our debt down, however all our cards have not so great apr on them all, we cut them all up at the start of the year. Having checked the credit card eligability checker on here, we've discovered that we may be able to get a new 0% card (80% chance according to the checker)…
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Credit card to pay off car balance
Hello, I have had a quick skim of the 0% etc card pages, and will have another look in more detail, but I just wondered if anyone had any experience of this, or any advice : at the end of August I will have to settle the 3 year finance deal on my car of £4,600. However, in September I will be part-exing it for a new car…
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halifax clarity vs caxton fx
first post so go easy on me . I had a caxton fx card and used it and all was well . then I read that the Halifax clarity card was the best so now I have one of those. ive used it and all was well with that too. I also applied for a supercard but haveent used that yet. im going away in a couple of weeks and was wondering…
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Using credit card to move?
I'm not entirely sure this question belongs here so forgive me if it doesn't! My partner has been offered a job to start around September/October time. His wages will be 26k so we will be able to afford to rent privately, but we will have to move away. We are currently in a HA property claiming tax credits, LHA etc as he…
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Re building credit
Hi Clawed my way from the brink over the last 6 years and want to rebuild my credit file slowly. I applied for a Barclay card and did the eligibility checker first got a good news screen and apply which I have done but now wish I had not upon reading other posters on some forum sites it seems I may not get approval after…
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Advice please - which to pay off first?
Hi, I've been hitting my debts hard and finally got down to two cards, with a lot of the balance sitting at low interest rates. I've got the following: Barclaycard: £1080 at 6.9% for life of balance. MBNA: £2600 at 0% until December (then 15.9%) plus £870 at 15.9%. I have the option to transfer up to £2850 to Barclaycard…
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Barclaycard Balance Transfer Question
Just quick question sorry if this sounds a bit daft I’m just asking on behalf of my brother. He currently has a Barclaycard with a balance outstanding of £2000.00 approximately, currently on interest free until September 2015 with a credit limit of £5000.00 He has £1800.00 to pay this balance in his savings account at…
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3 defaulted cards?
My wife & I have separated & have sold the house (Stc) with the money we have made from the sale we had originally agreed to pay our debts off completely, we have a joint loan then I have 3 credit cars & she has 1. Now she is saying she only wants to pay her own 1 off & I pay mine. This will leave me out of pocket plus she…
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Credit Card Catch-22. Can I break it?
What I mean is, I have a credit card with a limit of £3,500 and a balance of £1800(ish). The APR on this card is 33%. Six months ago, I applied to a Sainsburys 0% balance transfer card which was recommended to me and I was told I had a 90% of being accepted by Experian. Needless to say I was one of the 10% and was refused.…
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Virgin 24 month card
I want to transfer about £900 from an M&S credit card onto the Virgin 24 month card, and also borrow £500 as it's 24 months at 0% on money transfers too (I intend to pay the £500 next year). How much would this affect my credit rating? I already have a mortgage (which I have had for 3 years) and this is due up for changing…
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how long old debt stayes on file still paying amended smaller payment 8k loan
hi new here hello everyone im here to ask some advice due to divorce I had a 8k loan on a credit card four years approx. I went to citezens advice bureau filled in some forms they contacted them made arrangements to pay £20 per month which I have done I haven't went bankrupt im confused as to how long this will be on…
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Money owed
Hello there I have overpaid my Santander CC (money got taken out I paid CC off but never received goods so company refunded money). I have called them four times starting three weeks ago and also went into the bank to ask for my money back. They keep saying that they will transfer money within 24 hrs but nothing is…
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Is it better to keep or cancel a card?
I have a few credit cards which are in use and one card which is not in use, am I better off closing the account if I am not using the card or is it better to keep the account active ? I am worried it might affect my credit rating if I do close the account?
