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Santander caps cashback for long-standing 123 credit card-holders
Hundreds of thousands of Santander customers who have its 123 credit card could see their cashback cut from next February, as the bank caps the amount of cashback cardholders can earn...Read the full story: 'Santander caps cashback for long-standing 123 credit card-holders' Click reply below to discuss. If you haven’t…
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First Independent Holiday
Hi, I am looking into going on my first independent holiday, prior to this I have only been on holiday with my family when I was a child. I have been advised by a friend to take purchase my holiday via a credit card to protect my purchase should the airline, hotel or travel agent go bust. Could you please provide me with…
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Clarity Card Query
Quick query, how long is allowed to pay back money to the Clarity card?
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Payment Sequence Question
I've got a single item showing on the latest statement for one of my cards. It's for just over £100, plus about £4 non-sterling transaction fee, due to the £100 item being purchased online from the US. However, I've now got a full refund on the item, which will be on my account and will show on the next statement. Two…
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Credit Card Shuffle
I have a lot of credit cards and they are all nearly maxed out. So I read Martin's article on the credit card shuffle and it said I should ring them up and ask for a better rate to transfer other balances to that credit card. http://www.moneysavingexpert.com/credit-cards/cut-credit-card-interest#whofor I just called up…
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Partnership Card - what were they thinking?
I have just received my 1st new format partnership card statement - what a mess. Nowhere on it does it state that my payment will be in full by direct debit and I have to assume that the DD date will be the same as the due date. My direct debit is not mentioned at all. The dots they have used for shading make every other…
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Debt Collection Agency - what to do next?
Nearly two years ago I switched Banks from Halifax To Yorkshire Bank using the new switching service. Now I am the first to admit I never check my Bank & credit card statements (I know I should!) so naturally I assumed all had gone well and things - i.e direct debits - would carry on as normal. However, last October I…
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Santander 123 Cardholders-Pre 15th September 2015
A heads up to anyone who opened their Santander 123 credit card prior to 15th September 2015. They are capping the cash back to £9/month (same as those who've opened an account after the above date) and the variable APR is to increase to 15.9% from 12.7% if you're no longer in a promotional period. Source: Daily Mail…
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Balance transfer from overdraft
Hi are there any balance transfer deals out there that will allow me to shift a 20k overdraft to card?
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lloyds credit card
just received new terms and conditions. gone are the days of risked base pricing they are now linking the interest rate to the base rate. so if the base rate increases the rate will go up. eg personal rate 18.69%pa bank of England rate 0.25% standard rate 18.94%. if the rate goes down so does my rate. I presume by0.25%.so…
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Massive Aqua Increase
Hi guys, So, I've got a terrible credit rating but a few months ago, I tried to get a credit card, being in a much better financial position and was accepted for an aqua start credit card. It was only a low limit of £100 but it was great to have a start. For three months, I paid the majority of the balance off, leaving a…
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Credit Cards for Low Credit Scorers
Hi there, After seeing Martin on This Morning, earlier this week – his advice to get an Aquacard or Tesco Foundation credit card in order to boost one’s credit score, really struck a chord with me. I am planning on doing this now; purely for the aforementioned reason. I was thinking I might buy my Oyster card monthly…
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tesco mastercard- how do I cancel a direct debit online
Question to anybody that has a tesco mastercard, how on earth do you cancel a direct debit? The website layout is awful, and I've performed a thorough search and cannot find the words 'direct debit' anywhere on the website.
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money tranferring to save interest? worth the hit on credit file?
Hey everyone looking for some advice, I have a £7250 o/s on a TSB Loan @ 23.9%. I've been Pre approved for a MBNA Credit Card £2800, 0% on money transfers for 12 Months 4% Fee and a Tesco Credit Card with a limit of £5300 for 0% on money transfers for 40 Months. 3.94% Fee If i was to pay £600 a month off my loan after 14…
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Chased for payment by Debenhams
At the end of September I bought a sweater from Debenhams for my holiday in October. The sales assistant said I would get a 10% discount if I signed up for a store card so I did, never actually intending to use it. I went on holiday from 8-22 October and the invoice arrived while I was away. I overlooked it on my return.…
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Halifax Balance Transfer & 0% Purchases Question
Hi guys, Hoping you can help. I am trying to get my head around the terms surrounding 0% purchases on Halifax credit card. My 6 month 0% purchases term is coming to an end in Dec and I understand I will have to pay the full balance otherwise I will incur high interest. However how does it work if I have also done a balance…
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1 account 4 cards
Want to open credit card account that can be used by wife, daughter and son in law where all four of us have our own card Is that possible? What cards offer this?
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Foreign Car High - Currency Changes
I have recently hired a car whilst abroad, the rental for a full to full fuel tank and the rental company took €200 Euro's as a deposit on my credit card (Amex) for the fuel which was credited when I returned the vehicle with a full tank. Due to currency changes over the week between debit and credit I was charged £183,…
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Tesco Credit Card Application
Hi, I'm in the middle of applying for the 0% Tesco Credit Card. However I'm a bit concern whether to go ahead or not considering they have been hacked. Shall I go for them are pick someone else? :undecided
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joint credit card
Hello My partner and myself are buying our first place and looking for a credit card that we can use for food bills etc and then pay off in full at the end of the month. We both have a llodys Avios credit card and now in order to make sure we are using the the right credit card for food bills I was thinking of getting the…
