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Windows interest free card or not?
Hi just had a quote for 4 windows and a door fitted at around £1800, sounds about right yes? However if I pay on a credit card it's 3% extra, can't quite work out if I put it on a 24 month interest free card, and stick the cash in a kids 2.25% account would it be worth it? I don't need to hang onto the cash, it's surplus…
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does having other credit cards affect applications?
I have 4 credit cards. One with a credit limit of around £10k which I spend up to £2k on and pay off fully each month. And another with a limit of £3k which I also pay off each month. A couple of others with balance transfers totalling around £10k on 0% offers. One of those balance transfers is coming to an end in around 3…
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Purchases Credit Card
This credit card - http://www.moneysavingexpert.com/credit-cards/best-0-credit-cards#virgin30 Has a period of 30 months interest free period. But is this based on purchases made within 50 days only? So any purchases made after will be subject to interest charges? Could someone please clarify?
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Regulator reviewing contactless card security after MSE investigation
Lloyds Banking Group has responded to a request for information from the Financial Conduct Authority...Read the full story: 'Regulator reviewing contactless card security after MSE investigation' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New…
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Paypal Payment on Credit Card help
I made a payment yesterday on paypal to an individual person on "send money to friends and family" . I used my credit card as the payment method and I've just had a thought as to whether this will be counted as a purchase or a cash advance?? I can't log into my credit card account until tonight, so I wondered if anyone…
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PLEASE HELP - getting nowhere with Experian and Electoral Roll
Hi everyone. Long story short, I need a credit card, and quickly. Am due my first baby in April and we need it for a few purchases as any savings we have from now until due date will go to make up maternity pay. From January this year, I have been working on improving my credit score and am delighted that I am now at the…
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Halifax reduces credit limit - can't figure out why!
Hi, I have a 0% Halifax credit card (£2,500 limit, £2,350 balance, about 15 months to go). I got a letter from Halifax yesterday which informed me that they have reduced the limit to £2,400 with a generic reason given that "we review spending regularly to ensure that the limit stays appropriate blah blah". I've been paying…
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Amex DD dates and mandatory security info
Hi, I've had a slightly confusing experience regarding my Amex card this morning. When I called to change my direct debit date (i.e. my statement generation date) so that both of my cards are paid on the same day, the rep said they *couldn't* change it for me, but couldn't tell me why exactly - it seemed to be something to…
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When can I claim my upcoming salary during an application?
Hello, and thanks for all the useful help on the site, I start a grad job in Feb and would like to get a credit card before starting. Would it be unreasonable for me to claim I'm employed and earning my salary slightly before I start to ensure I'm all set up and good to go? I notice the application forms state to list any…
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More Tesco CC issues
I have 2 Tesco credit cards both with dd in place to take funds from Tesco current accounts. The dd were actioned and the funds credited to the cc. Then over the hacking period the transactions were reversed. Now, this morning, I've been charged with £12 late payment fee. Not my problem funds were available and initially…
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Aqua card appeal letter
Post closed
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'All round' credit card Advice
Hello, I currently have an MBNA 0% purchase card and I'm looking to apply for a 2nd card...0% balance transfer with the option of 0% purchases, therefore I believe an All Round credit card is the best option. I'm looking to balance transfer around £3,500 (to clear a relatives Tesco 0% purchase card) and would like the…
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Problems with Tesco Credit Card
Not sure if this is the right forum, but think so! I have placed an order on B+Q website this evening, I had to order tonight as had a 10% off code that expires at midnight. I paid using my Tesco credit card, as had a leaflet to say it's interest free until March. I got an order number, but the message said "we are working…
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Declined for Halifax Clarity
Just been declined for this card, only really wanted it for going abroad, i was a little amused when it came back NO! :rotfl:
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MBNA Direct Debit change consequences
I wondered if you have had any other people contacting you about the MBNA's shift of Direct Debit dates? I had set up two direct debits on my Lloyds Account to trigger the payment of interest on £5000 and avoid the £5 monthly charge, MBNA being a Direct Debit. However the MBNA have pulled a fast one moving my agreed direct…
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What is the best credit card for cashback please ?
Hi all, We have a Tesco clubcard credit card, which gives cashback via Tesco clubcard vouchers. Tesco clubcard is not as good as it was IMHO, so can anyone please recommend a credit card to replace it that gives cashback. For info, we do use the credit card a lot and always pay credit card balances in full each month.…
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Halifax Clarity: Retail promotion expiry - higher interest
I have a Halifax Clarity credit card that I use when going abroad. I have been fairly happy with it and found their online services easy to navigate. However, this month my statement included the following message: "Retail promotion expiry message: Please note your rate of interest is 0.00% p.a. (variable) for Purchases.…
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Paypal WARNING???
Hi all, I just ended my 1st call to Paypal Credit on my current landline. The call involved automated confirmation of my landline number and sounded like the call centre was in India or far east. 20 seconds later, I get a call from a male, not so distant sounding, but a real foreign accent, but good English. He said he was…
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Balance transfer not showing on barclaycard!
Hi, around 2 weeks ago i transferred 2 balances from a virgin money card and barclays visa debit onto a hsbc card. Transfer s were done over the phone and i queried at the time if barclays debit transfer would be ok. Was assured it would be fine and was told all processed ok. Now to the problem - upon checking the accounts…
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Post Office Platinum Card
I have a Platinum card for use when travelling abroad. I have found it impossible to use in USA as despite phoning four times at my expense to get the block lifted, the card is still being declined despite using chip and pin. I was told that the USA is a high risk of fraud area so the transactions are being automatically…
