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paying off loan with balance transfers
This is quite difficult to explain, but here goes.....I'll try keep it simple..... View these in your mind: A personal loan of £5500 Card 1: A credit card which I pay off in full every month Card 2: Another credit card with a long 0% balance transfer offer and £6000 credit limit with a zero balance Transfer a "balance" of…
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Data Breach part two?
Credit Card replaced Feb 2016 after major data breach NOW a series of attempted transactions and successful transactions £00.00 / £1.00 / £10.00 / £10.00 today in quick succession Alerted by text message but rang card provider (from number on online acct) rather than reply to text as didn't know if genuine Can't understand…
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Credit Card Fraud Attempt Question
Hi I got a message from my credit card provider saying that a transaction had been declined because it was suspected fraud. On speaking to them I confirmed that it was not me or my card (which I still had) and learnt that the transaction attempt was at an ATM in India. My card was closed and a new one has been sent. My old…
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Credit Card Rejection Bafflement
So, somewhat embarrassingly, I have been rejected from Aqua Reward, supposedly the most inclusive credit card on the market. And I don't understand why. I wanted the card as a means of building my credit rating, and would never be using it because I actually needed the money. I have a credit rating of 3.5 (not brilliant…
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Paying a card online
Hello, I've always had a credit card from my own bank which is easy to pay off online from my current account . If I apply for a 0% card from a different bank(Barclays) how would I pay it off each month online?
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Can you have a TSB credit card and a Lloyds card too?
I have a Lloyds credit card, as TSB are part of the same group. Can I have 2 credit cards with the Lloyds Banking Group? Also, is Sainsburys Bank its own entity or part of another group, like HBOS?
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Keep MBNA Platinum or not?
Hi there, About me: third year student, part time job, student loan. I manage my money well, always pay in full and never missed a payment on my HSBC Student CC (£500 limit), Clarity (£1500), or Barclaycard Freedom Rewards (£500). I have a £500 overdraft with HSBC which I never go into. I am also currently paying off a…
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0% Balance Transfer
Hi, I got a Barclaycard with a 0% balance transfer offer last year (Platinum with 37 months interest free) - I transferred my balance and pay around £100-£200 a month in order to pay off the balance over the next year. However, they keep sending me further offers inviting me to transfer another balance and get 0% interest…
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Old Barclaycard
Hi I had an old Barclay card with a £1 credit on it for years, finally got round to closing the account and having the money transferred into my bank account,I was informed that the account was now closed. I just tried Barclay s soft search and it said I would not be successful. Any idea how long I will have to wait ??…
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Raising Credit Limit on new card
Hi I need to shift some debt across to a new balance transfer 0%. The debt is currently sitting on a couple of cards coming to the end of their 0% period and I applied and got accepted for the Halifax 0% 40 month, although the "expected" credit limit was only £1500. Given my credit scores on both Experian and Equifax are…
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help with google wallet
Hello! Can anyone offer me some advise? I paid for some concert tickets using my visa debit card, via google wallet. The concert was for 6 months time when I made the purchase. I expected to get the tickets in due course, but they never arrived- the vendor is not responding to my emails. I tried to get a chargeback via my…
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Help with minimum payments
Hi there, basically I got the letter last month saying in May i will be paying an extra £12 per month on my credit card due to some changes the Bank Of Scotland have made. Right now I'm usually around £50 per month as minimum payment so that would take me up to £62. Due to me being a carer and not able to work full time I…
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Huge Balance Transfer Chances?
Deleted thanks
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Really daft question about monthly bill and refund
This is probably a really daft question and am sure I'm overthinking this but here goes... I rarely use my credit card but when I do I always pay the balance off in full each month. I have a refund to my credit card since the latest monthly bill but also further purchases after the monthly bill. Can this refund be counted…
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nationwide visa chargeback dispute
Does anyone have a link to the UK Visa chargeback policy? I am trying to do a chargeback on my visa debit card and Nationwide are dragging their heels, stating that I am out of time (120 days). However it is my understanding that if a service/goods is purchased in the future then there is a 540 day limit to claim. Also,…
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What's better? Low balance with high credit limit, or lowering my credit limit?
I have two credit cards which are both way below the credit limit: - one zero-ish that I pay off every month with £6k limit - one at £3.5k with £8k limit My partner, also at my address, is applying for a credit card, so I was going to reduce the amounts to 1k and 3.5k respectively, so the amount of credit available at our…
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3 credit cards all charging interest...
My friend has 3 credit cards.... Hubby has just left her so she really needs to reduce outgoings. One card has 3k on & two have 2k on. Citizens advise have advised to get them all under one banner with 0% interest.... Has anyone any idea how to do this?
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So many cards, which one to choose ? Balance transfer.
I basically just want to transfer the remaining £1500 on my santander credit card to another one thats interest free for a while so i can pay it off. Are all companies basically offering the same thing or should i be looking at a certain one in particular ? Would rather not use barclays though as i started with a…
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Joint property legal rights?
Hi guys, Wondered if anyone could give me some advice please? I'm currently going through a separation. I have a property which I used as a rental, which is in both mine and my ex partners name. As part of the separation they will have the rental house, but as of yet the house is not in their name - to cut a long story…
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credit card debt
If you owed £7000 to barclaycard and paid £200 a month how long wouold it take to pay back and how much interest would have been charged? Thanks:eek:
