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Amex credit card
I've held a couple of Amex charge cards for a while now and have just recently got their platinum cashback credit card. Does the credit card collect membership reward points like the platinum charge card or is it just cashback from this particular card? Haven't seen much written about the reward points in the…
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Eligibility check?
How can the 'soft search' be accurate enough if they don't even ask for your current balances? What are people's experiences with this search facility? How accurate have you found the facility with regards to acceptance for credit cards? Thanks
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Wood burner paid on credit card
Not sure if this should be in this forum or not so admin feel free to move to another. I had a wood burning stove installed around 6 months ago now which I paid a large portion of on my credit card, roughly £3k The installer was supposed to fit a room sealing kit to the stove as it is an 8kw stove, I was quoted and charged…
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Newbie Questions..
So I understand that when you get your card statements, you are told how much you need to pay. You can pay in full or pay in minimum. Lets say you spent £100 on your credit card. Does paying a minimum mean like pay £20 now, and the rest £80, pay later? Presumably paying in full is simply £100. Okay, so some questions from…
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Is AA Financial Services Ltd and BOI staffed by a bunch of incompetent people ?
Is AA Financial Services Ltd staffed by a bunch of incompetent people from Underwriters to the Frontline staffs? I will say yes, here are my evidence and all of my evidence could be found here on this MSE. 1. People have been sent the wrong card, e.g. it should be a Balance transfer card but was sent a non BT card. 2. They…
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Advice on barclaycard limit
Hi, Advice welcome on the below. I have a barclaycard that I use for small balance transfers, the initial limit was £750 and I successfully increased it to £1,250 recently. I have two significant purchases coming up, my credit rating is excellent for experian and apparently barclaycard use experian? What are the chances of…
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Tesco credit card
hi, last month I had a problem with my tesco credit card. i transferred £ 2000 to another credit card clearing the balance & enabling me to transfer back 2700 at 0%.when i got my statement tesco had paid the 2700 off my previous months balance reducing my purchases to £795@2.008% and then putting the balnce tfr to…
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MBNA can't tell the time?
Am I alone in worrying that a major credit card provider can't tell the time - or maybe can't afford a clock which works? I know its a real 'pedantic old git' point, but I was struck by the lavish, photographic double page spread adverts: 'Your MBNA - Apple Pay - Double Wowsers... ' in the broadsheet newspapers in recent…
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Lloyds Bank Duo Avios
My current account has been with Lloyds for over 20 years and I got their Duo Avios credit cards some years ago. I'm thinking about ditching Lloyds for another current account. Does anyone know: 1. If I don't have a current account with them could I still keep the credit cards with them? 2. I've just read that there is an…
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Does a balance transfer happen automatically
I got accepted for a mbna balance transfer card. When filling application in it asked for name of company and account details of which I wanted to transfer. I got accepted and was given a limit smaller than amount I wanted to transfer. I got accepted for £1000 limit. Will mbna transfer it or will I need to do something,
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CC application, living in a Flat
Firstly Merry Xmas to all of the forum members :) Here is my issue: My address is not listed as known address at Royal Mail database, for example, my address is Flat XXX, YYY Road and Royal Mail have it only as YYY Road. All my accounts are currently reporting to CRA's as Flat XXX, YYY Road or XXX, YYY Road. Do you think…
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New 1% cashback credit card !
I am currently using a combination of TWO credit cards. American Express (for where it is accepted) and ASDA (for where AMEX is not accepted). The latter only receives 0.5% cashback. I just rang Barclaycard to close an old Platinum card that had reached the end of its 0% interest period (I had used it for balance…
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Will BT pay off higher debt first?
Hi, I have £8500 on Barclaycard, £4500 at 0% and the other £4000 at 18%. I have been offered a 0% bt deal on my MBNA card so if I BT £4000 to the MBNA will it automatically pay off the £4000 at 18% and leave the 0% deal on the Barclaycard? Thanks
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CC application: existing customer but not on electoral roll?
if a customer of a bank, with Current Account and Savings account, but who is not on the electoral roll at their current address, applies for a Credit Card, what is the likelihood of a successful application, and a good limit?
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Simple payg credit card
Hi, looking for a simple payg cc for my niece who is going travelling for 6 months later on in the year, Ideally want 1 that could be topped up at a post office and without the card being present, have had a google & it seem that card has to be present to top up via PO or paypoint etc, don't really want hassle of bank…
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Recover My Credit Rating
After my recent divorce I've been left with five figures worth of credit card debt. I'm in the awkward situation that my credit rating is down the toilet, but I'm paying 19% to four different providers so I can get any other balance transfer cards to at least cut down on the interest that I pay, and i'm struggling to get a…
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How long till I get accepted for better credit card?
My credit history was very poor. I had 2 ccjs which have now dropped off. I have a aqua card which is 44.9 ape and started 6 months ago at £300 now it's at £1500. I now have been accepted for a phone contract and I applied for a mbna credit card and got accepted for £1000 limit at 23.9% so things are improving. How long…
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Tesco Money Transfer Credit Card - any cashback deals?
Hi everyone, I've seen cashback deals on Quidco for a number of Tesco credit cards but not their new money transfer card. Has anyone found any deals? Thanks
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Newbie credit card help!
Hello. I'm scared to touch my new credit card I've just been accepted for. I want to improve my credit score as its not great and I got accepted for a Capital One Classic Credir Card with 34.6 % apr. I'm new to credit cards and not sure how it works. If say I bought something on the card and paid or back in full that month…
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Sub Prime Card to " normal card"
How long roughly should you hold a subprime card before you are likely to be accepted for a normal card? (Clean credit file no defaults) I'm not looking to hold a balance on the card, but would like a cash back deal to earn a few £££'s back.
