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Credit cards

Archives for November 2015

Capital One Classic Card? Application help
Hi there I recently applied for a capital one credit card the other day (not great APR I know but when you are 19 and trying to start building a credit file its kinda all that's available) anyways I did the online application and although I wasnt approved I wasn't denied. A few days later I received a letter asking me to…
Credit APR pay back order
Hi, on my credit card i have 3 apr's on my debt. When paying the debt back, do you pay the highest apr back first? e.g. on cash. Reason why i ask is that i have a offer on a money transfer on my credit card of 0% for 14 months. So i would transfer the money to my bank account, then pay the money on my credit card and have…
Aqua Credit Card Application
I am considering applying for an Aqua Start card as I have no credit history whatsoever. I get my wages paid into a savings account and I would use my current account details for my application. My question is: As I do not get my salary paid into my current account (I only transfer money from my savings account) will this…
Setting up direct debit
I have a tesco credit card, the min payment each month is £25 I plan on keeping the CC balance paid off full each month with manual payments with DC but don't want to set one up for full amount in case I do want to carry a balance over one month if things get tight.if I setup a DD for min amount £25 will they still take…
AQUA: Paid Outstanding Balance
Hey there I wonder if somebody could answer a question or two I have regarding my new Credit Card? 1) I have paid the full outstanding balance it shows on the statement (Payment Due 7th December) and basically I have the funds available again yet it is still showing a balance for the amount I paid. Is this usually the…
Halifax Clarity Card
Does anyone know of a cashback site that will pay cashback (or points) for signing up to the Clarity Card? Can't seem to find a link specifically for the clarity card on Quidco, so was just wondering...
Money transfer card or loan?
Some background - I'm retired, living off savings, no pension but mortgage free homeowner. Some time ago a good friend got into serious financial difficulties. I decided I had to do the decent thing and have been lending him what I could for the past two years. This has now used up all my savings and very soon I will be…
0% C/C What can you pay with this card
Have came across this "term" recently and am interested. so my question is; if I applied and received a 0% c/c what can I pay/buy with this, on reading it is everything you buy (shops/internet etc) but am more interested in the bills you can pay with it, eg house council tax, elec,gas, etc and especially a bill I have…
Which Credit Card
Hi all and apologies for a confusing post I currently have £1600 that I am able to make an overpayment to one of my credit cards. Barclaycard 1 - £9109.09/14000 @6.9% approx £49 a month interest. (I have lost track whether all of it is 6.9%) This card is currently offering 6.9% LOB BT deal with 2.9% fee Barclaycard 2 -…
General 0% balance transfer question between cards
Hi, Apologies if this has already been covered elsewhere, I did attempt to search for some things, but had no luck. About 2 years to 30 months ago I took out 2 different cards to cover the debt on a 3rd card (Halifax and Barclaycard). Since my 0% balance transfer term has ended as they were only 24 month at the time. Both…
Caxton FX Card - Total Con
Caxton FX send an email on Friday for a fixed rate deal for the weekend until midnight Sunday 29th. As follows; Special rate offer for a limited period We are offering special rates to our customers until Sunday; so if you’re heading abroad this winter, now could be a great time to lock into our enhanced exchange rates.…
HSBC balance transfer
Hi, A couple of months ago I saw on the MSE email about the HSBC offer that with opening a new card and doing a balance transfer, they would credit me with £25. Now, I've opened up a new credit card, and done a balance transfer, but so far not received a credit. Googling, I can only find mention of such an offer for…
New to credit cards
Hi I'm wanting to purchase an iPad and have seen the 0% 12 month offer they have on at the moment with Apple, however it's only through PayPal credit which I'm unsure whether to use, I have a PayPal account that I use but never gone for the credit option. Wondering whether I'd be better getting a 0% card and getting the…
Balance Transfers opposite accounts
Hi, I have a Virgin Account with 0% till June 2017 (old account) current balance 4k - paying roughly 24% interest I also have Barclays Account with 0% till End 2016 (old account) current balance 5k - paying roughly 20% Question is, can I transfer opposite amounts to the account and get the benefit. e.g. move my 5k to…
Nationwide credit card refund advice
Looking for some advice, Ordered a tablet from an internet supplier and paid by credit card for wifes birthday with delivery time of 3-5days. This never happened as they didn't even have stock although stating at time of order they did so cancelled around 10 days later and put a claim in against my nationwide credit card.…
What should I pay first?
Hi there! I've been very luck to get a small bonus this year, and I want to use it towards paying off my credit cards. The amount isn't enough to pay one out right so wondering if I'm better off splitting across each one or focus on the one with highest interest? Thanks in advance
Nationwide Select credit card questions
I'm considering applying for this as my primary cashback credit card (already have a Nationwide bank account) but wanted to ask a few questions: * Will I be able to manage the credit card using the same website as the online bank account management or will it be a separate website and interface? * Can you download…
Visa Chargeback
Hi, New to this so bear with me. I have opened a Visa Chargeback Dispute through Nationwide. They have rejected one transaction ( £500 deposit on a very faulty used car) as they say it is outside the 120 Day Rule. It is actually 118 days from the date the money left my account until I lodged the claim at the branch and…
Clydesdale 0% purchases
Hi a newb on here just wondering what do they mean by purchases can i get cash from a ATM can i deposit into another account like skrill or a bookmakers account any help much appreciated thanks :beer:
Paying credit card bill with pre-pay gift card
I have a prepaid VISA gift card that I was thinking of using to pay off a credit card bill (Barclaycard) using their pay by debit card option. Does anyone know if that will work? I'm worried that it will be seen as a credit card and that I will end up paying some sort of balance transfer fee.

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Credit cards

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