-
When do they get narked
If you don't use a credit card for a few months/years how soon do they get narked and cancel your agreement or lower credit limits?
-
Which card first?
I have just moved some credit card debt on to 2x 0% balance cards (these are the only cards now) But should I pay more off the one with less value and pay it off sooner, or pay more towards the one with the higher value?
-
Buying from Amazon Canada
I want to buy something from Amazon Canada, should I pay in £s or Canadian dollars?
-
Difficulty shifting balance from NEXT account
Hi I have a NEXT directory account with card that I'd like to move the balance from to a 0%interest deal. However as Next isn't a bank credit account I don't have card numbers, If I apply for a card & then pay the account using the new card will I get the 0% ?? can anyone offer help on the best way to transfer the balance…
-
Experience with 0% applications and limits
Hi all, Looking to do a 0% balance transfer later this year. Want to transfer around £9k but have found in the past some lenders limits on these types of cards are quite low I know it is of course dependent on your credit rating and salary etc but does anyone have experience with lenders on these cards and their generosity…
-
0% purchases
Recently got a 0% purchases card for 27 months. Going to Florida in a few months and are going to purchase the theme park tickets on it. Now if we spend £1000 on tickets and pay off the minimumt payment each month would the balence clear in 27 months ? Complete noob to credit cards never had one before so abit scared about…
-
Marbles credit building card.. how best to use?
just after some advice in regards to making the most of a new credit card to slowly help repair my credit file after a dmp.. so basically i have taken out a marbles card and my understanding is that i should use it reguarly and clear the full statement balance each month. in regards to this how much should i be spending on…
-
Money Transfer vs Spending
So i started a thread a few weeks back on what way to finance my new Macbook. I was wondering wether i should do a finance at 14.9% or take out a balance transfer card (wrongly thinking this was a Money transfer card) So now i am wondering what the point in a money transfer card would be over a spending card. If they are…
-
default notice
am inviting comments on the following: an original creditor defaulted me ages ago on a debt,but on assigning the debt to a debt collecting agency,recorded the amount owing as £0. DCA wrote to me asking for the money - I replied,giving reasons why I deemed the debt unenforceable,and they replied saying they would…
-
How to repay huge credit card debt
Happy New Year all. A question - my brother has maxed out on his credit card and now cannot pay it back. He has no other debts, but paying the monthly repayments is putting him in arrears. I only just found out and he is frantic. I phoned the National Debt Helpline, but they said he had to have at least two creditors…
-
Information request: which Credit Card should I be looking at applying for?
Hi there, Looking for some pointers as to which credit card to get. I'm fortunate enough to have come through the time in which I actually need Credit - I now pay off Credit Cards in full every month - and this is mainly thanks to MSE and these forums. Thanks to everyone who has helped me become debt-free. :T:j My normal…
-
A cautionary tale for Balance Transferers
Hi all! Like many we're trying to get to grips with the finances. We had planned on a BT and paying a set amount to clear our debt, especially as the cards we have keep upping our credit limit. Following the MSE guide and preapply forms here I checked out if I could get the required amount from Sainsbury's with a 90%…
-
Problems with TSB credit card application
Hi, I just wondered if anyone else has had problems with their TSB Credit card application? I applied before Christmas when I switched my current account to TSB. There was a request for further ID - so I went into my local branch with the documentation requested. This was on 16th December and the documentation didn't get…
-
Credit card limits
Can anybody confirm my assumption on credit card limits over multiple cards. I have 4 cards - Barclaycard, Virginmoney, Tesco & Halifax. I am assuming that when a limit is decided, the issuer takes other cards into consideration? ie. the Halifax is my most recent card with only £1500 limit, presumably because the…
-
Advice on closing my only credit card?
Hi all. This is my first post to the forum, it's been great reading all the useful posts in the past, but for once I need to ask for some advice. Back in 2014 I opened a TSB credit card, and ever since it's been a useful safety net for those times where unexpected big purchases were necessary. This month I'll be paying off…
-
Credit Report - Balance incorrect
I've noticed today whilst looking at my credit report (through middle and ClearScore) that one of my credit card balances has been reported at approximately £400 lower than the true balance. I've just been accepted for a new 0% CC so I'm not worried it's adversely effecting me - but should I be contacting the card company…
-
0% balance transfer
Is it possible to balance transfer part of the balance to a 0% card or does it have to be the full amount? I have a cc with high interest, hubby has one with a lower interest and we have a joint overdraft, again with high interest. The 3 total £7560 We've been granted a 0% balance transfer card that allows 0% money…
-
Struggling to get large balance transfer
Hi, Having some issues trying to get a worth while balance transfer and need some advice! At the start of 2016 I had a Barclaycard with £7500 on it, I tried to do a balance transfer to cover it all with MBNA in march and it offered £500 which I didn't use. I had good credit score at this time (Experian 900). I tried in…
-
New Credit Card
Hi All, I currently have a Halifax Mastercard which is charging me 17.7% interest on purchases. I want to apply for a 0% card because I want to purchase something for £1000 and pay it off in the year. Silly question but do I pay off the existing balance on my Halifax Card (£225) and close the account or can I transfer my…
-
How long does credit card protection last??
Hi, I pre-ordered a product in 2015! It still hasn't been delivered. I asked for a refund, the supplier said "15 days" and then when the refund hadn't arrived "90 days". I'm assuming now that they're basically bankrupt or otherwise failing, but haven't yet filed. So, as it's been so long, will I still be able to get…
