-
General advice on a purchase 0% credit card
Hi there I'm just after some general advice on a 0% purchase credit card. I have made it to 45 yoa without ever having a credit card, however my bathroom is in dire need of a complete overhaul and I don't have the money saved up to pay for it. I'm trying to avoid hefty interest on a loan (it's taken us 10 years to pay for…
-
TSB CC cashback
Recently acquired the TSB CC that gives 1% cashback on up to £500 spend per month until September 2017 if you also have a Classic Plus account. Just had my first statement and wondered when and to where the cashback will be paid, cannot find anything about that in anything I received from them.
-
Withdrawing cash on Halifax Clarity and transferring balance
Hi, I have a Halifax Clarity credit card and on the T&Cs it says that there is no charge on cash withdrawals but interest (@25%) will start accruing immediately. So does this mean I can get a 0% fee balance transfer card, withdraw cash from Halifax Clarity and immediately initiate a balance transfer for the same amount…
-
Partnership Card (John Lewis)
They have changed their system/format and one has to re-register. I think there must be teething problems as I am unable to log on to my account. I have managed to re-register as requested but I'm hoping that they get the issues sorted soon. There is a high volume of activity on their phone lines so I can't get through. I…
-
30%apr to 27.5% what's the savings.
Cap 1 276@30% apr Is it worthwhile t/ferrying to Tesco bank@27.5 apr. Not a great deal of savings I think though I could then close Cap 1 card. What other mser's think?
-
Tesco auto increase
Received letter from Tesco cc. Limit auto increase from 250 to 600 12th Nov. Happy that my slow progress continues whilst with sc dmp until 2019�� Used approx 50% various small purchases past year. Love the minimum £25 dd that Tesco use. Wish other providers would switch to this higher minimum payment, congrats to a smart…
-
Creation Everyday Credit Card
I received a week ago a SMS telling me: Congratulations, your Everyday Credit Card application has been accepted and your card will be with you shortly. Call us on ..... when it arrives so you can start using it straight away. 2 quick questions (1) If you received a similar SMS when you applied for this one - how long did…
-
Buying car with 0% card but avoiding 2.5% dealer admin?
Funding a new car purchase and I would prefer to take advantage of 0% credit cards for two years of which I am eligable therby leaving the cash invested - across a varied portfolio but making around 4% net. Dealer will cover cost of £5k on card but additional payment of £15k will incur a 2.5% handling fee. Any suggestions…
-
Tesco Credit card
Hello, I applied for a Tesco Credit Card over the weekend (the 0% on purchases for 28 months) and I was declined. On the MSE credit club it showed I had a 70% chance for the Tesco Balance Transfer card and 70% chance for the Foundation card. I assumed that if I wasn't eligible for the card then they would offer the…
-
statement balance and interest
Hello to everyone. Bit of advive. I have a lloyds credit card, my 6th of september statement had a statement balance of £519.58, on the 19th of september i used the card for £60.02 of petrol. My payment due date was oct 3rd. On sept 30th lloyds received a payment of £579.60 which was the current balace showing on my online…
-
Credit card fraud - have I spotted it too late?
I have a Mastercard with M&S bank, which i have only used to buy a mobile phone on 0% interest. The card hasn't been lost or stolen and the Pin has been kept safe. Because of this I haven't been checking my statements regularly (I also had a new baby at the time) and have just noticed three fraudulent payments to Groupon…
-
New Kichen - Section 75
Morning We approached a company to design and refit a new kitchen, we paid the initial deposit of £300 on a Barclay Credit Card on the 16th of June, this was to hold the deal for the kitchen. We arranged a re-mortgage and received the money on the 1st of September, the kitchen company wanted all the money up front, after…
-
Sainsbury's 0% interest credit card - when does the interest free period begin?
Is it when you receive the card or when you make the first purchase? Thanks.
-
Changing energy supplier could affect your credit rating
I've just seen a episode of Rip off Britain which featured someone who regularly changes his energy supplier. This time he changed to NPower I believe. However, they did 2 hard credit searches on him and that resulted in him being rejected for a credit card a few weeks later. They said that 3 companies do hard credit…
-
Credit search when auto increase offered?
Hi community, Among others I been using a Aqua Card to improve my credit rating (8 months in the U.K.) The Aqua card comes of cause with a ridiculous APR and I always leave about 50£ on the card so they get interest off me. I was hoping this will trigger an auto increase. Yesterday I got a letter saying they'd like to…
-
Existing customer 0% offers
It seems that existing customer offers on 0% for a number of months only applies to balance transfers and/or money transfers. There's no 0% purchase offers for existing customers. Why are exsiting customer offers only concentrated on balance transfers and money transfers, and not 0% purchases?
-
Credit score
Every since I opened my credit accounts, a year ago, my credit score has marginally gone up or down. In average it sits at the same level as before, which I don't quite understand. I am subscribed to 'noodle improve service' but their tips appear to be useless so far. I have 4 credit cards. 1 - Used for overseas spending,…
-
Credit Card issues
Last month I was on holiday with no internet access and, as such, was not able to pay my card on time. I have the direct debit set to take the minimum payment, so didn't thought much of this. Couple of days later I realize the payment is still due and no DD was taken from my account. I paid the statement in Full and though…
-
Barclaycard cashback duo
After applying and getting rejected for a 2nd Barclaycard spoke to them yesterday and asked to upgrade my initial card I've had with them many many years and they offered a choice of a platinum, a freedom rewards and a cashback duo, all at the same rates as I already had on the initial so went with the cashback as it seems…
-
M&S card free £50 hassle
After seeing the link on good old MSE wife and I applied for an M&S credit card each to take advantage of the £25 voucher. Here we are couple of weeks later, both have the cards, both activated, both spent a couple £ to test them and the vouchers arrived by email. I printed mine off wife had hers on smart phone email. The…
