-
Aqua direct debit date - concerned
I recently got a Aqua card with a £300 limit, I plan to pay off in full via direct debit every month to improve credit file. My ststement was issued on the 17/6/16 for the sum of £64. I assumed my direct debit payment would be taken a day or two after so I would have the full £300 available credit for the next month.…
-
VERY naive question
I'm sorry about the naivety of my question... I currently have a Barclaycard intial credit card, with a £2500 limit on it, and a balance of around £900. I'm not in a position to pay it off completely, so interest is racking up :( Barclaycard have however sent me an offer of 0% interest money transfer up until next October.…
-
Help with enforceable agreement
Hi I was wondering if anyone could give me some advice on this please. Out of the blue, in September 2008, I received a default notice for an amount supposedly still outstanding on an RBS credit card which had expired some four years previously. I was very shocked to receive this as I had settled all my loans etc when I…
-
M&S Bank / 1st Credit
Hi, Hopefully someone will be able to offer some advice. I am posting this on behalf of my mother. My mother has an outstanding debt of £3,936.73 owed to M&S Bank. My father was declared bankrupt in October 2009 and, since that time, his income has been frozen. This is still the situation today and my parents have been…
-
Wrong application - should I cancel and reapply ?
Just wondering, I applied the Lloyds Premier Avios Rewards Card Account online which was actually principally approved but they had an error (I was told they had problems that day when I phoned to check) and the application ended up being abandoned due to this (never had any confirmation email etc) - I was told to phone…
-
Buying family flights to Bali - which card is best
We need to buy 4 x flights to Bali in May (via Singapore for a stay over) Ideally flying with Singapore airlines, but open to other options. We need to purchase said flights on a credit card and we want to pay these off before we go. We are debt free but unable to save at the moment. I don't think an airline credit would…
-
Planning BTs
HI all, I need to get on top of my CCs interest & get some BTs organised but need to make sure I do things correctly. I currently have an MBNA card with an old balance of £4791 on it which used to have a limit of £7,500 but was recently raised to £12,500 automatically. I'm currently paying 24.9% interest on it but every…
-
Quasi Cash Charge
Hi, Hoping someone could help me as I am very stressed right now and can't seem to find the right information. Today, I did something I never do and purchased a lottery deal on Lottoland and used my credit card to pay the 99p, without knowing all the terms and conditions (I know I'm stupid). Well I know I will be charged…
-
Barclaycard promo offers
Just seen my latest round of promo offers for July and now BC offering me for a 0.9 percent fee a transfer to my bank account for 12 months and another offer of 1.2 percent fee for balance transfers until April 2018. May be worth stoozing as one of the cards has a credit limit of about £10k.
-
Amex increasing their annual membership fee by 30%
Hi I'm wondering if this is just me or if anyone else with an American Express BA "premium plus" card has just been told their annual fee is to increase by 30% to £195 ? I also think this is interesting because they recently (around 2 months ago) offered to reduce their APR to just 3% for new purchases. I wonder if they…
-
Problem with TSB 1% cashback credit card application
Hi all. I applied for the TSB Platinum credit card with the 1% cashback offer a week ago. As i'm a current account holder with them, it did say to apply within branch but I applied online as a new customer. Surprisingly, my application was referred with an email saying I should get a decision in 2 - 4 days. When I called…
-
Balance transfer....asking for more
Hi My Halifax credit card shows a offer of 9 months at 0% for a balance transfer.... Anybody have any examples of them offering more if asking ? I'd like 24 months to be honest... If I phoned up and asks what are my chances of acceptance. Looking to balance transfer 1k
-
New MBNA card.
Just to let people know I've noticed MBNA have just brought out a new card today and it looks like MBNA are trying to appeal to people looking for an alternative to a loan. -A low rate of 4.9% p.a. on transfers and card purchases for up to 5 years - 0.5% handling fee on transfers (within 60 days) - Standard rate of 8.9%…
-
Balance transfer card?
Hi guys Really looking for some help!!! I have a credit card (£1500 on it) Partner has a card (£1500 on it) An overdraft (£600) And a loan (£2300) We pay the payments each month from our joint account but the interest is killing us... If it wasn't for interest they would all be clear!!! Could I get a balance transfer card…
-
Balance Transfer Assistance
Good Afternoon, I currently have both a Barclaycard and Natwest Credit Card: Natwest £0 balance, £6,750 credit limit Barclaycard £3500 balance (£1730 of which is interest free until next year, I'm paying interest on the other half of the balance), £13,000 credit limit I have an offer to balance transfer to my natwest card…
-
Credit Limit on New Halifax Card
Hi, I'm going to apply for a Halifax Credit Card (0% purchases 24 months). I already have the Halifax Clarity Card (Credit Limit: £8,100 - have had it for 6 years and never used anywhere near it, my maximum spend per month is £1,500 and the balance is always fully cleared by direct debit). I want a high credit limit on the…
-
Understanding credit card money transfers fees
I've been reading the MSE article on money transfers, but am struggling to understand some of the subtleties of it, so am hoping for some guidance. I want to buy a car (~£4k), and intend to pay off the loan within 24 months. Rather than a loan at a higher APR, money transfers have caught my eye. The current market leader…
-
Multiple cards to help credit report?
Hi, Am I correct in thinking so long as they're correctly managed a handful of credit cards will improve your credit report faster/better than just 1? I got accepted for an aqua card 1 month ago and the plan was to just spend a little each month and pay off in full via direct debit. Is it too soon to apply for another?…
-
Balance transfer to bank account
Hi, Am I right in thinking that a 0% balance transfer card includes cash to bank account? I.e to pay a loan off quicker, can I get a 0% card BT to my account pay the loan and save on interest?:D Thanks,
-
Eligibility Checker/Card Application with Future (imminent) Income
Hi, I'm about to begin my first graduate job, with a good salary, and want to apply for a 0% card to partially pay for a used car. Can I use the salary I will be earning very shortly (July) with the eligibility checker and card applications, or will they base my application on having no real previous income (apart from an…
