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Paying off a high APR store account with a 0% on purchases credit card?
Quick summary; I have ~£200 on a personal account with an online clothing catalogue with an APR of around 48% (plus compound interest) that I've had hanging around for ages. I've only been making the minimum payments each month so hate to think how much interest I've paid on this sum. I want this cleared so I can close the…
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Has anyone been offered 0% as existing card holder with tesco cc or m&s
We are currently paying our debt off, and have been able to finally get the debt onto 0% (previously all of it was on high Apr cards) We cleared our Halifax cards, our m&s cards, virgin and tesco credit cards by BT them to 0% cards. That all took place by sept last year. Since then virgin have written and offered 0% as…
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7/10 approval rate
Hello Just wanted to see other opinions on a 7/10 approval chance on a bank of Scotland credit card, before I go ahead and apply, rating was from confused. My credit rating is medium, paying on time but high amount of debt for my earnings.
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halifax clarity - purchases interest rate
Hi all, I'm a bit confused regarding how charges are applied for this card - Halifax clarity. The statement says there's an interest free period for new purchases: "Maximum 56 days for purchases if you pay the full balance shown on your previous and current statement on time". Previous statement amount (25 Jan statement)…
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Balance transfers from same car twice ?
Hi there. Recently applied for a Halifax 0% balance transfer credit card. I have transferred my Lloyd's credit card balance to it already. I plan on now paying a loan off with my Lloyd's credit card, and transferring it to the Halifax, therefore having 0% interest on all my debt with it all in one place. The question is…
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American Express Platinum Card
Very quick one, have tried to find the answer online but getting mixed answers If I take out the American Express platinum card is the £450 fee charged immediately and if i cancel the card within the year do i receive a refund for the full amount?
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How many credit cards do you have?
I am thinking about registering for three credit cards: 1) Tesco Bank - for supermarket purchases 2) Sainsburys - for supermarket purchases 3) American Express Credit Card - for a few big purchases e.g. new PC I can afford everything outright i.e. the balance on each credit card will be £0 at the end of every month. Is it…
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ok
Thank you.
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0% on purchases?
Hi all, I'm looking to take out a 0% credit card to pay for a course I'm planning to take. There are a lot of 0% cards on the market but when reading the pre-contract agreements I get the impression that 0% on purchases only seems to apply if you can pay the balance in full. If this is the case, does anybody know of any…
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Is there a limit to how much security checks credit card companies can make you do?
I just tried to use a Halifax card to reserve cinema tickets online at vue. Because I had a voucher there was nothing to pay but you have to give the card details to pick up the tickets. Halifax's verification system required me to go through their verification procedure, entering my date of birth and card expiry date and…
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Help!
I may have made the worst mistake of my life, I have just applied for a balance transfer, I was accepted to then find out that my credit limit is lower than the money i have applied to be transferred over. What do i do?? Please help Thanks Ozzy
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CPP Card Protection Renewal 2016
I just received a CPP card protection renewal notice of £36-99. I thought these were no longer valid in the UK? It says I can phone them to cancel it so I don't get charged. There's a section at the bottom which says "Where does your money go?" The breakdown is : Insurance premium £0.74 and a fee of £36.25 payable to CPP…
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Applied for American Express in UK....
I am relatively new to the UK, and am an American citizen. This means I cannot register on the electoral roll. I applied for an American Express card, and they asked for me to send off documents to verify my identity and address. I sent a bank statement from Natwest, and a copy of my Passport.I sent that off on Thursday…
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Statement in the post
Hi I got my statement for my credit card in the post but I have paid the money off via my online banking couple of days after it said statement due. I set up direct debit prior to my card coming so would the direct debit be cancelled as I've already paid it, Thanks
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Are readers usable on other accounts?
Hello forum, Can I use a Worldpay Zinc chip and pin card reader with other account providers, iZettle for eg? Thanks.
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Refund of goods part-paid with gift voucher
I had a £50 gift voucher from House of Fraser that was about to expire. I bought a few dresses in the sale, paying £50 with the gift voucher and the rest on credit card. I intended to keep the best dress and return the others. I've selected the dress but have now been told by House of Fraser that they will refund me £50…
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LBG credit card monthly payment query
Got accepted for a credit card in January. During the online application process it let's me set up a direct debit which I have done, and selected the pay in full option. In January on the credit card account on online banking, it says that the statement will be generated in February. Now it's February it says my statement…
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Improving spouse's credit score
Hello, My mrs doesn't have any credit cards since she uses additional cards issued from my accounts. She has a decent but not great credit score (4/5 on noddle) , she only has her bank account and mobile phone contract showing up in the credit report. I would like to improve her score since we expect to apply for a…
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Section 75 query
Thanks to everyone on here for all the fantastic advice over the years... I recently bought a car. I put the deposit and a portion of the cost onto a credit card for Section 75 protection in case anything went wonky in the sale. Nothing did, its been three months and the car has been faultless. I have now paid off the…
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Quick question regarding rates and minimums
If I have two credit cards at the same interest rate with different outstanding balances, would it make a difference if I transferred one balance to the other to consolidate the debt, or would the overall amount of interest paid be higher? Let's say I'm paying £120 on one and £60 on another, both of which is the minimum…
