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how do i spend £10000 on a c/c and pay it off in 12 months
I need to be able to spend £10,000 on a 0 percent spending credit card then pay it off in full in 12 months time when I have the money instead of getting a loan, any advice please
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Applying for Balance Transfer?
Hi Just a few days ago I applied for an Aqua Credit Card. Now I have a Vanquis which I applied in 2011 and an Aqua, couple of days ago. I applied via the experian credit matcher since my credit history score is around 319 out of 999. If I were to use the same tool for a balance transfer card and apply for one, am I more…
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debt transfer
Hi, Just spent time looking and not finding info on this question: can I transfer my partners debt (no longer working, studying) onto a credit card registered to me? Debt is about 5k, and am thinking of a long term 0% interest as cannot pay any off at the moment. Good thing to do or not? All replies gratefully received...…
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Balance transfer juggling?
Hi, I have three credit cards all on 0%. However, one of these is due to end but they are currently offering another 0% deal on balance transfers. I don't want to apply for another card so I am wondering...can I shift this debt to one of my other cards and then transfer it back in the same month to the original card…
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Advice Please
I currently have a Barclays Credit Card with around £8,560 on it and paying around £222 interest per month. I am managing to pay off £750 a month and am not using the card anymore. Is there anything else I can do?!
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Borrow from Peter to pay Paul?
Hi Ok so I was a bit silly and ordered some items from very, I have a bad credit score but they still gave me a balance (not surprised!) It's saying to I have to pay £535 by November 16th 2016 to qualify for interest free. That's a bit more than £50 per month.. Or try pay £100 over 5 months (easier said than done) Would I…
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First bill
Hi I've been watching my online banking like a hawk to know when my statement is due to be paid. Do I get a paper statement as well as he whole transaction lost has disappeared on my online banking. Most annoying thing I was 32p short of reaching the £300 threshold for the £5 reward agh I can also see why it is dangerous…
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Help with balance transfer please!
Hi, I have a Tesco credit card with £5500 on at the moment with remaining 0% interest on balance transfers. £5100 is on 0% for 30 months remaining, £400 is cash advance I have a Nationwide creditcard with £0 on. My question is, Can I transfer £400 cash advance to nationwide, then transfer it back to Tesco to get it back on…
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sub prime credit cards
hi all, Are they any other subprime credit cards apart from the folllowing: Aqua Barclaycard Intial Capital one classic Vanquis Luma (Capital One) Ocean finance (Capital One) Tesco Foundation (is this a subprime)? Black Diamond Marbles (New Day) Aquis (Vanquis Bank) Creation (Sygma) MBNA Im trying to gather a list to plan…
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Is there 'non-bad' way to make yourself 'ineligible' for credit cards...?
Hi. Due to poor spending impulse control I got into credit card debt problems recently. I've managed to clear the debt but I'm worried I could get into trouble again. So I was wondering - apart from the obvious (getting yourself blacklisted), is there a way to make yourself effectively ineligible for a credit card? Or do…
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Vanquis App Etc:
I have just got a vanquis card and was surprised at how rubbish the mobile phone app is, I've got a capital one card and the app has just been updated and looks really nice and tells you lots of information, anyone else think the vanquis app is a bit poor, also I made a payment to my vanquis card like 2 days ago but still…
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need to setup 2 direct debits please help
hello, i want to switch from hsbc to this tsb which is available on this website with a £100 sign up bonus but on of the conditions is to have two active direct debits but i currently have one according to my local hsbc branch. that one is paypal TLDR: i need one easily setup direct debits that dont cost anything or are…
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Balance transfer mess up
Hi, Slightly complicated question here: I recently took out an HSBC credit card, which gave me 32 months 0% on balance transfers and 3 months 0% on purchases. Now, I KNOW the advice is not to spend on the credit card at all, however, I did spend, assuming that if I'd be careful and pay off the purchases each month, I'd be…
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Clarity £5 reward
I've been over the small print but can't find the answser: is the £300 qualifying spend per month (ie calendar month) or per statement month?
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Visa debit card not credit card chargebacks
Hi I am enquiring about visa debit chargback on item namely a garden shed that I bought 20 months ago which was not fit for purpose and was faulty. It was ordered and paid for online using my visa debit card. I have been reading a little about debit cards and only found out yesterday that chargeback even existed that is…
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Two promotional deals-one card
Apologies for being daft... I have a current 0% deal with Barclays until 2018 which I have been paying no problem by direct debit There is an offer on my card to make another transfer until November 2016 which I would like to take advantage of. My question is when the direct debit is taken, will this include the minimum…
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Applied Card, just lost job
Hi, Looking for soem advice. Thursday I applied for a new CC. Friday AM it was approved. Friday night I got laid off. I feel like I should cancel it. I left on poor terms so my employer so if they call he will certainly say I'm not there anymore. Should I call up the CC and just tell the truth? Will it be too late to stop?…
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Balance transfer to EXISTING card
Hello, I have Barclaycard with 0% on it until May 2017, and RBS with balance I'd like to transfer. I have held Barclaycard for almost 3 years. If I transfer from RBS to Barclaycard, will it affect my credit rating (negatively OR positively), seeing as I'm not applying for a new card? Many thanks for any help you can give.
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Applying for a credit card without risking credit...
Hello all, I'm Steve and I have one credit card with my current bank. I also have a Help to Buy ISA with another bank - Halifax. I want to apply for a Halifax Clarity credit card to take abroad with me - no stupid credit limit or anything, just around £1000. However, I am in the process of getting a mortgage, and I don't…
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Repaying credit card - unemployed: keep with bank or get transfer card?
Hi guys! My query is about repaying credit card (as stated in the title). I have a credit card from my bank provider and at a stage some payments have been missed or late (not in the last 6 months thankfully) but I am aware this will have affected my credit score. I have lost my job and just been fit to pay the minimum…
