Credit cards

Archives for December 2016

Credit building questions
Greetings all. I have been out of the UK for 4 years and, unfortunatelly being careless and not knowing how serious having a bad credit score is here, defaulted a few times on an outstanding HSBC credit card which I was asked to pay in full and duly did. After a scare about whether I'd be accepted to rent a flat and pass a…
Amex Platinum Charge Card upgrade annual fee
Evening all, I've took a Gold Charge Card for the sign up bonus earlier in the year then upgraded it to Platinum in November intending to use the upgrade bonus and then cancel it quite quickly so I'd only pay a small amount in fees. I'm ready to close the account now, but I've not yet been charged an annual fee for the…
Keep paid off cards open?
Hi I have recently transferred the full balance of a First Direct card (interest rate of 19%, £1400), with a Tesco 0% for 30 months card. I have several other cards and loans to repay and have recently found that I am being offered better deals as I have lowered my overall debt levels a bit (slow going but am getting…
asda cash back credit card
hi all i have recently got an asda cash back credit card. i had earned about £21 in cash back and was going to use the voucher yesterday so i raised the voucher and had it sent to my email address. however, i changed my mine and went to M&S to shop instead. last night, i cancelled the voucher on the asda credit card site.…
Tesco Xmas offer
Hi I'm new here, but just wondering if anyone else with a tesco credit card has had an issue with the interest free Xmas offer. I always pay my card off in full, I use this card for all food n petrol purchases each month but pay it off. So this month I had £200 which showed up under the 0% deal so paid everything but that.…
How to choose a Credit Build Card?
Hello, First time posting. Trying to choose a Card to build credit rating. I've read MSE advice, but still have a few questions: * Is there benefit in sticking with my current bank (Natwest) or using a different bank? * Natwest Reward credit card cannot be used as a credit builder according to Which? what makes a credit…
Balance Transfer advice
Hi Understanding balance transfer is not my strongest point, however I am looking for advice on transferring current debt on my credit card to another interest free (if this is possible) Currently have £2445 outstanding in Halifax credit card which I have had for some years, I pay in £100 each month, but interest adds £50…
Tesco Balance Transfer
Anyone else had this problem? I returned from holiday at the end of November and decided to transfer a balance from a credit card to my Tesco Card. I did this using my mobile phone. I entered into my Tesco account, pressed the transfer section and a screen appeared showing me I could transfer for 0% until October 2017. So…
Next Account
Hiya Hope someone can help I've been paying just the minimum payment each month on my next account but they emailed me today to say 'Not to worry, but if this continues they may have to contact me again if they feel the debt becomes unaffordable' Needless to say I'm now worried sick! Can anyone tell me what this means…
Halifax Clarity Interest rate.
Sorry if it's been asked before, but how do I apply to get the 18% rate that is often quoted. I seem to be paying 21% interest on my balance. I know it's pennies but as I have a good credit record, it would be nice to get the better rate. Thanks.
Aqua Credit Card
Hi guys been a long time since I last posted, following my financial disaster in 2010 I have kept off the credit radar for the last 7 years and tried to put things right. Well, thought I would try my luck with getting back on the credit ladder and to my surprise Aqua have accepted me for a classic card with an APR of…
Promotional periods after moving abroad
Hello, I had a question, and I was wondering if any of you had ever come across this. I have about £10,000 worth of credit card debt, in 2 credit cards, from MBNA and Virgin. I am considering to move abroad next year. I have a 0% offer on both the cards, that runs until December 2018 for both. I do want to pay off the…
Credit Card Application
Hi there, I'm 21 and living with my parents, I'm a managing director of a limited company and have a salary of just over 16k. I've got Paypal Credit with a limit of £2050 with £850 outstanding, but I pay on time and more than the minimum payment each month. I sometimes receive mail from my local bank which invites me to…
Is there an actual UK based Prepaid Credit Card site?
Yeah. Is there an actual UK based Prepaid Credit Card site? I've just discovered Pockit and browsing the site, its UK consumer focused with its promotions, and I thought the site has to be UK based. I was saddened to learn however the site Pockit is based in the States unless Norton has that wrong?
Catch 22
Hi all, I am coming to the end of my 0% on a MBNA credit card which is at £3,000. Getting another 0% balance transfer wouldn't be a problem. Unfortunately, I am now unemployed. I haven't missed a repayment during the time with MBNA. When I applied I was employed, however, for the last 6 months I have continued to pay the…
Credit card refund if item is reduced
hi i purchased a settee on my credit card on 26th october 2016, and it has just gone down in the sale by half the amount. i thought i read somewhere that the credit card company or master card will give you some money back if something is reduced, am i right and how do i claim, as i rang my telco club card credit card and…
Paying Builders on Credit Card to get Section 75 protection
Hi, I would like to pay my builders partially on credit card so that I am protected under Section 75. The builders don't normally accept credit or debit cards and I understand paying by Paypal voids Section 75 protection. Does anyone have any suggestions on how to pay the builders a payment on Credit Card which would make…
Declined for Amex 0% 18 months CANNOT APPEAL(?1)
Hi all, About a week ago I decided to apply for an Amex Rewards card with 0%Purchases for 18 months that they offer through a couple comparison sites. Being an Amex customer (Preferred Rewards Gold Card, Amex BA) with a good credit history I thought I would get accepted but I got declined. I have been waiting for the…
M&s c.c.
I'm waiting on the arrival of my m&s c.c. It has to be used before 31 December to get the £35.00 free money. The card has not arrived yet, but I know the 16 digit number, but obviously not the 3 digit code on the back. Is there any way I can put a transaction on it before the 31st to qualify for the cash bonus.
Which card is right for me Transfer vs Purchase
Hi Folks I am currently after buying a new Macbook as mine has died again and i am trying to figure out the best way of financing it! I know apple do finance through Barclays, and through PayPal both at 14.% for however long. I currently have a Capital One credit card with a little bit of a balance left (paying more than…

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