-
Credit Cards for someone with a recent default?
Hi, Found out last week that I owed money to Lowell group from an orange contract for around £26. I had orange confirm it was real as I had no contact from them (I moved to a new place but had closed my contract over the phone with no balance remaining). I've now paid Lowell but of course have a default that lasted for…
-
M&s Credit Card - £30 Voucher
I applied for the above card, as detailed in this week's MSE email. I checked with M&S that my last card with them was closed over 12 months ago and it was - just. However, my application has been unsuccessful and they are posting a letter to me saying why. I doubt this will give any proper detail though. I think it more…
-
Capital One payment 1 day late - credit report?
Due to a mistake on my part I paid my Capital One bill 1 day late (paid off balance abput £50). They have charged a late fee, but does anyone know if this will be reported as late on credit records etc?
-
Tesco CC - Change payment date?
Has anyone had any experience of changing their payment date? Do they allow it?? I see from the web-site, you can ring to amend the 'Statement Date' but would this alter the payment date? The reason being it is currently end of the month...but if this is a weekend, it's the next working day, and i want the DD for Club…
-
Capital One or Luma?
Just seen the Luma advert on tele, going on about taking people with poor credit etc. Got me thinking, again, about why they've bothered to make the Luma brand...?? Similar to how Vanquis have Granite etc, all essentially issued by Vanquis. Luma is Cap1, under a different banner. Do they 'credit score' differently, e.g.…
-
Is this allowed / Will this work / silly question?
Looking for some advice from some savy 0% players out there... I have 5k on an M&S card - at 0% (limit of 5K) - happy days... I have 4K on virgin - 5 k limit - again 0% Then, i have 6k on my barclaycard at 29.9% (limit of 12k) - makes me feel sick just thinking of the interest racking up every month... barclaycard have…
-
Best Credit Card for a Newbie?
I am thinking of a Credit Card to make payments and have the protection when paying for things abroad (whilst in the UK) over the internet... Also I need something to have money paid back onto? Would this be linked to my bank account? I have a Santander account, but realise that you can have independent CC and link it for…
-
Best credit card for pensioners
Hello I am looking for some advice regarding credit cards for pensioners. My 72 year old father has a Barclays credit card which has quite high interest monthly and he is concerned that he will be rejected if he applied for another credit card with 0% balance transfer. I have been informed of SAGA however I am looking for…
-
Which card to keep?
Hello, I'm looking to close a couple of credit cards in preparation for taking out a mortgage in 12/18 months time, the problem I have is I'm not sure which to close, I have read having the keeping the largest credit card open due to trust with the lender, but I have also read that keeping the oldest lender is of benefit…
-
Advice after father passed away
Good morning, My dad passed away last week and I was hoping for some advice re their credit cards. My parents had two credit cards, both in my mums name and totalling about 4 thousand pounds. She will not be able to afford the repayments as she will likely only be on JSA or another benefit once we have sorted these for…
-
Question about Balance Transfers
Good evening MSErs! If one does go ahead with a Balance Transfer what will happen to the existing card the balance was in? If I manage to get approved to transfer the entire balance of the card is it then a good idea to call up the bank and cancel my old card or should I stay with it? I do not intend to use the new card…
-
Too Many Cards?
Hey everyone, I have three credit cards. I ended up with three from previously having debt and shifting it around to 0% to clear it which I did and now I'm in the black. The cards are - Virgin Atlantic (MBNA) Amex/Visa - £2600 limit - 16.9% Barclaycard - £7700 limit - 18.9% HSBC Visa - £6000 limit - 18.9% Total credit -…
-
Understanding end of 0%
I have a card with a balance transfer 0% that I have written down the 0% ends in june, sorry to sound stupid but does that mean the june statement will still charge0% so I would have to pay that statement in full in order to not get charged interest or will this months statement be the final one without interest? Hope that…
-
Transfer fees - question
Hi I am wanting to transfer money from existing OVERDRAFT to new 0% credit card. Looking for a low transfer fee: according to MSE, Virgin Card offers 1.9% transfer fee for credit, and 4% for cash. Are transfers from overdrafts credit transfers or cash transfers?
-
Buying Tesco Gift Card with American Express Credit Card
Hi, I'm trying to find out if buying a Tesco gift card with my American Express would be considered a cash Advance. I have a Cashback promotion that runs out shortly, and wanted to make full use of the amount included in the bonus cashback, but don't need anything major just yet. So I was thinking to just plonk the money…
-
Best rewards credit card for me
Hi All Would appreciate any help on this, have not had a credit card for a long time and I want to know what the best reward credit card for me would be. I remortgage recently and have thousands to spend on a new extension, so I am thinking to getting a credit card, which I will be able pay back every month, but want to…
-
Eligibility checker ?
I used the use eligibility checker and it came back and said we were 100% approved for an MBNA 0% transfer card.. so I clicked through to their site..entered exactly the same details and it said.. " we are unable to match your details to confirm you have been pre approved on a price comparison site..... so you are now…
-
New card application
I'm a newbie here and am looking for a bit of advice please. I am wanting to book a holiday for next year, and would like to do so on a 0%credit card, so am looking to apply for a new card - there are several I could go for (one of which is pre-approved, which I think means I can pretty much guarantee that the application…
-
Amex Charge Card MR Rewards Refunds?
When you get an Amex gold card, and spend £2,000, you get 20,000 MR points - roughly £100 in Amazon vouchers. https://www.americanexpress.com/uk/content/gold-card/ Now once you've redeemed the points - I can't see how they can be reclaimed? I wonder what would happen if you bought something, got the 20,000 MR points as a…
-
Can hubby take card and balance transfer from my car?
We are looking to get a new kitchen and pay on credit card then move the balance to a 0% card and clear it off in 18 months, the card we would use to make the purchase is in my name with hubby as 2nd cardholder. He is main earner so would be applying for the 0% card in his name, can he move money from my card to his card…
