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Benefit in extending credit
I've only ever had one CC, and only ever paid it off in full every month. I was looking at my credit report on Credit Expert, and one of the factors is 'amount of available credit used'. Is there any benefit in extending (if possible!) my credit limit on my CC in order to be using a lower overall %age? If at all relevant…
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Transfer Balance from foreign account
Can I transfer a balance from a foreign (German) accountant or credit card?
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Good credit score - balance transfer credit cards
Hi everyone My credit score is 'good' and a fair amount about the UK average. I tried yesterday on Money Supermarket to see which balance transfer credit cards I should look into. It only showed one (Capital One) as being highly likely to be approved - the others were all 1/10 or 'not eligible'. I have all up to date…
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Paying for holiday on fluid card then transfer the balance to tesco card, can this be
Hi All, So we've just booked our very first holiday abroad. We are likely to be able to pay most of the balance off before the due date is up, however I had a thought. We currently have a mbna fluid card and a tesco card. The mbna has a 0 balance and the tesco just £240 from the deposit which will be paid off at end of the…
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Halifax Clarity Additional Cardholder Questions
I've had a Halifax Clarity credit card for a few months now in preparation for an upcoming trip to the US. I'm now starting to think about having a back-up plan incase there is any problems with the card while over there and one option is adding my other half as an additional cardholder on my account. Can anyone tell me if…
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Error Codes 722, 721
Hi ! I am getting on the merchant website error codes 722 and also 721 with content ''Transaction Could Not Be Completed''. Called the bank and I was told this error is related to the merchant where I am doing the purchase. According to the URL, bank's representative was correct. I am really getting this error (722 or 721)…
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Lebara Money credit card
i have one these prepayment/top up style credit cards. "Lebara MasterCard® Prepaid Cards†" it about to expire at the end of month 02/16 just trying to work out if it worth putting £7.50 on each card got secondard one for my sister but she never used it and i have not really used mine as much as i think i was going. A lot…
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Do you trust prepaid debit cards to deposit a large sum of money?
Prepaid debit cards such as pockit and weswap provide a good low-fee service for everyday purchases (particularly online shopping). Are they reliable enough to keep a large sum of money (I mean thousands of pounds) in these cards? Although, they are regulated financial institutions, they are not as big as banks. Do you…
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Credit Card Dispute - Help and Advice.
Hello, Regards.
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cancel recurring payment to US site?
Hi, I signed up to a coaching/self improvement program based in th US which said it had a risk free guarantee if you cancel within the first 7 days. I missed the 7 days, by hours, and (quite rightly I suppose) they have basically said tough, I have to continue with it now. The program took a £60 payment upfront and then…
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Use Amex everywhere!
Has anybody seen this new concept called Curve? https://www.imaginecurve.com/tech-spec There's an initial fee of £35, you can then load your American Express card onto it and use it anywhere that accepts MasterCard.
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Currys storing my credit card details
Not sure if this is the right place to post this but here goes... In January my husband and I went into a PC World store and bought a computer part, he paid partly with gift vouchers and partly with a joint credit card, at no point were we asked for e-mail address or anything like that. Two days later I got an email from…
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Increase in Charges
If Credit Card comapnies increase your rate when your credit rating goes down, do they have an obligation to reduce the rate once your credit rating has returned to normal or improved further ?
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Most effective payment strategy?
I have £3k on a high interest card. I've been accepted for a new card with 18 months 0% for balance transfers. I don't know the credit limit yet but likely to be only 500 or 1000. Should I pay as much as I can off my zero interest card and then balance transfer from my high interest card or should I pay as much as I can…
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Pay off credit card debt in one large payment or monthly payments?
Hi everyone, Apologies if this has been posted before but I'm new to this forum so I'm currently learning my way around it. I have two credit cards, both with around £800 on them, which I've had for around 5 months. I've recently started a new job and have the opportunity to pay them off in full. However someone mentioned…
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18 year old building credit
hi i recently turned 18 late last year, And im now wanting to start to build up my credit rating.. I am self employed and have been since i was 15/16 earning 18-20k per year. I applied for a capital one secured card as i have no credit history and they asked me to send bank statements and stuff which i did and i was…
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Can I make multiple BT with Tesco No fee card?
Is it possible to transfer balances from 3 cards within the first 3 months and them all to attract no fee with the 21-month No fee Tesco balance transfer card? Also, does the 21-month transfer period start from when I got the card(Jan 16) or (March 16) when I plan to transfer the money?
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Denied credit - how long to reapply
I have applied for a credit card with newday* and been denied. I have a 999 perfect score with Experian who they use. I can tell now that it's because I changed address a month ago and applied with that address but it doesn't show on my credit file. So I think I have two options, below, and I want to go with the first.…
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Correct way of doing this?
I am finally in a good place financially and want to continue to improve my credit history. With regards to using a card and paying off in full each month. My plan when I get paid is to put my monthly spend (fuel, food etc.) in my savings account, use the credit card to pay for these then have the balance paid by dd at the…
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2nd 0% Credit card with same provider?
Sorry if this is covered already but I couldn't find the answer in a search. What I'm trying to find out is if it's possible to get a second 0% credit card deal if you already have a credit card deal ongoing with the same provider?
