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Bank issued Amex - interchange change cut
It looks like (bank issued) Amex maybe on the block for a reduction in the their cut (interchange) much sooner than expected... Lloyds Avios, Barclaycard cashback and lots of MBNA cards would likely be affected by provisional decision of the FCA.
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Lloyds Bank Choice Reward credit card - choice points
I was thinking of applying for the Choice Rewards credit card from Lloyds: http://www.lloydsbank.com/credit-cards/choice-rewards.asp I know the APR is high, but I will be paying by DD in full. Regarding the Choice Points, I can see from their website they only have a limited number of retailers participating in the scheme…
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0% balance transfer cards
Hi, Why are there 0% balance transfer cards with say 3% fee (example) and 0% balance transfer cards with zero fee? Often the same lender will offer cards with and with out a fee. Are they hoping people rush in and apply without looking into it or is there something else which I'm missing? I'm planning a big perchase soon…
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Argos Card
Hi, just a quick question about an Argos Card. Today went into the shop and got an Argos Card got accepted within 10 minutes on the card, given all the paperwork etc Was ordering a Playstation 4, with games. For some reason got given the games which were billed to the argos card without even having them, but was not…
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should she pay off debt early
My daughter made a mistake and used her credit card instead of her debit card to buy £200 worth of euros at the post office. She now has to pay the fee for this transaction which is unavoidable, but is it possible to pay off her balance early before her monthly due date and then pay less interest than she would do if she…
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Some advice please - Unique situation
Hi guys, I would greatly appreciate some advice regarding my situation please. I have a Halifax credit card and have recently opened a reward account to us as our joint account. All direct debits have moved to this new account and Halifax instructed me that my salary will then be paid into this new joint account and they…
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How long should it take for refunds to appear?
I have a Nationwide credit card and used it recently to pay the deposit for car hire with Enterprise. I returned the car last Sunday. When they tried to refund the deposit, the girl told me that there was an error. However, the manager said it had gone through, so not to worry. I've just checked online and the £200 refund…
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Barclaycard interest
I've not used my card for at least 7 months and payed more than the minimum amount each month, but the interest charged on my card goes up and down. For example this month it was £57, last month £62 and it estimates next month Jan will be £63. Does anyone know how exactly interest is calculated?
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Halifax Clarity: how do I know?
Hi, I applied online for a Halifax Clarity credit card. I received a Halifax mastercard blue card, without mention of Clarity anywhere (just Halifax and a big X). The paperwork sent also does not seem to mention Clarity. When I log online, it just says "Halifax Mastercard" as the account. How do I know that they gave me a…
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Barclaycard Platinum long BT - didn't see 0.96% credit back
Has anyone else applied for this offer had the 0.96% credit back? I clicked the link from the MSE page http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards#barclaycard37 and applied. I've been accepted but all the way through the application I didn't see this documented anywhere on the Barclaycard…
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Nationwide Select Credit Card
I tried to make a purchase on the Royal Mail website, yesterday morning, but my card was declined twice. I contacted the Nationwide Credit Card helpline & answered the security questions, but I was told I failed their security check & a block would be placed on my card account. I was told that I would have to take 2 forms…
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How much interest will I pay?
Hello everyone. I currently have a credit card from Vanquis with a 59.9% APR (kill me now) and have spent £135 of my £250 balance so far (Don't you just love Christmas time). I won't be able to pay my full balance this month however would like to pay it next. How much extra will I be paying if I spend £235 of my balance as…
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What's a
Deleted in shame.
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AA zero transfer fee card is a con from the AA
Well having read about the zero balance transfer fee card- the card known as an AA Bank of Ireland balance transfer card from the AA on this site I clicked on the link to the AA website and filled in and got approved for the balance transfer card with zero transfer fee and zero card interest for 24 months . It said I was…
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Fraudulent Charges
So I have a Capital One credit card which I use very sparingly (spend very little a month on it and pay off full balance every month via direct debit - need to build credit score). Anyway, recently had a text saying that there was a suspicious charge on it. A small amount used on a beauty treatment in New York which…
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Pay off credit card before balance transfer?
Dear All, I am new to the forum so hope this is ok. I wondered if anyone had advice on the below: We have used 0% purchase cards to support cash flow for our extension/used them as cheap loans. The deals are coming to an end. I have enough cash to pay off most of the cards but we will have about £7k to balance transfer…
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Cheapest way to pay for Uber abroad
Hi! I am currently living abroad for 1 year, and I had set up paypal with a credit card to pay for Uber when I was in the UK. I use Uber a lot here as it's the safest way at night. At the moment it's being paid for by my non-foreign transaction-friendly credit card linked to paypal, but I'm unclear whether or not I'll be…
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Can I split my ebay payment?
Hi all, I'm looking to purchase a new phone on eBay, which will cost between £400 and £450. I would like to pay £300 on my credit card and pay the rest using my debit card/normal bank payment. Is there any way I would be able to do this? Thanks.
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credit/debit cards with no non sterling transaction fee?
Hi All, I play online games that request purchase of credits (which can be refunded). This virtual cash counts as "buying currency" and so on debit and credit cards I am being charged "non stg transaction fees". Are there any cards without these fees which don't require annual fees/a particular balance? I've only spotted…
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Nationwide contactless credit card to ge launched next year
I went into a Nationwide branch today for some stuff and walked pass the figital advertisement board. On the digital advertisement board, it displayed their credit card with a contactless symbol on it. There website doesn't reflect this. I've asked the branch staff about the contactless feature on the credit card, and they…
