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Irresponsible Question Time - What happens if I just decide not to pay?
I owe money on a credit card. It's in an interest free period for another 12 months. I've used it for almost all my purchases for the past year and now owe nearly £10k. Make the minimum payment each month of about £100. I have no assets - no mortgage although I do have a car. I know a lot of people will frown on this but…
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Credit cards taken into account for loans
Have 2 credit cards one not used and 2nd occasionally used. If I apply for a loan would I be better off canceling unused credit card to get a better loan deal? Any info gratefully appreciated.
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Exchange Rate Loading/DCC - in UK
A bit off-topic, but may be of interest to some. I have a US$ Visa debit card with a US bank, and it offers 0.5% currency exchange loading and is a good way of getting US$ back to UK (especially at current rates!). Today I used a Tesco/RBS machine to whip out £500, and it offered DCC (Dynamic Currency Conversion). I'd…
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Capital One
I currently have a Capital One Classic card, the limit is £2600 and I am thinking about closing the account as I don't use the card that much any more due to the APR which as of the last statement was in excess of 30%. I have a Barclaycard on a 0% BT offer for many months to come and a Nationwide card on a reasonably…
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Credit card balance add to mortgage?
Have a credit card balance of £3,400 can I add it to my mortgage and close credit card account down?
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Tesco credit card 0%
I've looked in to this and cannot see when you have up to, to apply for this credit card. Please could anyone advise? Thank you, dvtrv
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Amex Preferred Rewards Gold
Not sure if this has been posted elsewhere, but I wonder if someone more learned than me could clarify. I have had the MBNA Diamond Club Amex & Visa for years, but MBNA are closing it down at the end of November and offering a standard MBNA Credit Card as replacement. I used the Diamond cards to collect Avios, but in a…
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First Timer
I have a Capital One credit card with £3550.00 left on it to pay, it is my final and only debt left after I have paid all other debt off :j :j, and it was for more than double what is on this card. I want to do a balance transfer for a 0% which will help get rid of this. I have gone on Clearscore and checked my credit…
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Best credit card for cash back/rewards?
hi guys, I'm going to be spending around £1200-1500 over the next few months and I wanted to get a new credit card to earn some points/vouchers. Both items will probably be purchased from John Lewis, so I was thinking of getting the partnership card and get 1 point for every £1 spent. However they only pay half the rate…
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Enter coupon code /pin scam??? at petrol station
Don't think this is a scam but anyone know? I paid for petrol at Esso in the stop and entered credit card into machine. I started to enter my pin before realizing it was asked for "coupon code". The assistant then realized and corrected it and I entered the pin again. Should I be concerned about this? i.e. he could have my…
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I have £6k credit card debt- can I do a 0%BT for such a high amount?
Hi. I have about £6000 in credit card debt over 2 cards. One is Barclaycard with interest of 17.43% and the highest balance so if I did one card this would be it. The 2nd card is with Lloyds at 10.94% balance of £1680.43. I have done the CC eligibility checker and I could have a 70% chance of getting Halifax. But I…
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0 % Purchase credit cards
This is a silly question but I just want to confirm that if I make a large purchase say 1200£ using a 0% for 26 months credit card, then I don't have to pay off this purchase until before the 26th month? i do not have to make any minimum monthly payment right?
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How much credit?
I'm looking at getting a 0% credit card to pay off the rest of my car finance. Is there a way of knowing how much credit you should expect to receive before applying? I've done the eligibility calculator and I'm 95% eligible on a few cards
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Fraudulent New Credit Application Search on CreditExpert
Hi I need some help, I have just checked my creditexpert credit report and just saw two new credit application on there that I did not make. I have recently gotten 2 credit card i. barclaycard & ii. capital one card to build up my credit report as I am planning buying a house in the next two years and had no previous…
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Which card to cancel if any?
I have 5 credit cards and want to cancel some of them as I think 5 is too many. Which ones should I close: Halifax opened Jan 2016- Apr 18.9 Aqua opened JUNE 2015 but I use this frequently abroad paid off in full every time Apr is 29.9 Tsb opened in June 2016 for the cashback-Apr is 25.9 Asda opened in June 2016 for…
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Air miles credit card
Hi all, I'm after a credit card recommendation that will give me air miles on all airlines. I plan to use a mixture of airlines in the next few months Ryanair, Easyjet, BA and Singapore airline. Is there a card out there that will enable me to receive airmiles for these airline companies? Thanks
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Looking for some advice
Hi, I currently have a Capital One card which I have had for over a year now and the limit is £1750, I have just applied for 2 more cards, 1 with Ocean and 1 with Chrome, both have been approved. Firstly I am wanting to know, Chrome have given me a £500 limit and Ocean have given me a £200 limit, I believe Ocean is part of…
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Bank of Scotland Credit Card
I have a Bank of Scotland credit card and a Halifax current account. Does anyone know if I can move 'money' from my credit card into the Halifax account? I've been trying to find out from their website, but nothing particularly helpful there. When in my online bank account, although I can see the credit card and manage it…
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Fraudulent Charge on my Post Office CC from Expedia
Hi, I recently found a charge on my post office CC from Expedia for £361.58 that I didn't recognise (I haven't used Expedia since 2013 - and they have confirmed this from looking at my account). Initially I contacted the post office to confirm everything and see if they had any other details that could help when I called…
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Which CC for international currency exchange?
I hear there are cards for non sterling transactions that don't charge you like the banks do? I'm after the best one for buying things in usd.
