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Can I Withdraw A Credit From A Credit Card For Free?
I received a refund to my credit card. I had nil balance so my balance is now a credit of £250. Will there be a fee for withdrawing a credit from a cashpoint? I know there'd be a fee if I was not in credit and withdrew cash.
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Interest on a credit card
Hi everyone Need some help. A friend loaned me £2600 off his credit card. I've since paid that back. But now he is telling me there is still £1200 interest still outstanding. I loaned the money in September and paid the £2600 off his card in February. Could anyone help and advise if the interest amount is correct. I have…
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Interest rate hike rejection rules
Hi, If a CC provider increases your rate, I am aware that you can choose to cancel the account, and continue to pay balance at existing rate. Does this mean that the account would show as being defaulted on your credit file, even if you maintained at least minimum payments. ?
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Section 75 on cancelled credit card?
Hi A quick query. I have a couple of old cards that I should now cancel as they are not being used. However almost 2 years ago I purchased my new car and put the deposit on one of the cards (£500 deposit on a £18k car) There are currently no issues with the car and I hope there won't be any in near future but it got me…
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Asda Money Cashback card changing to vouchers
Sorry if this has already been posted, but one of my cards is the Asda Money credit card (the 1% cashback in Asda, 0.5% elsewhere). Currently any cashback earnt is credited against my account for the following month Out of the blue I received a letter yesterday saying that the method of cashback redemption was changing,…
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0% interest bagatelle
Hi Guys - looking for help. Here goes; I have 4 credit cards A, B, C and D Card A has a balance of £6258 and a limit of £8500. It currently attracts 0% interest but that will end next month. They will offer 20 months interest free on any balance transfers with a 3% fee for each transfer. Card B has a balance of £4658 and a…
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Paying off cards
Hi i have 4 credit cards, 3 of which are near there limit. The total amount I owe is approx 5500, I'm thinking about paying them all off but am unsure of the best way? If I get a loan I'll obviously have to pay interest on it, I've thought about balance transfer but in the past I've found that you usually only get a 1000…
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Should I close some accounts before applying for a new one?
I currently have four credit cards and a store card, but I need to open a new card for a large purchase (£1700). I have a Barclaycard that I've had for about 5 years and has been cleared for about 4 years and not used since. This has the smallest limit. I have a Halifax card that is also clear but it does have a larger…
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Pre approved for card but decision referred.
I completed a soft search and it said I was pre approved for a new credit card. I applied and they made an offer of what the APR would be and if I wanted to proceed to sign and click submit. I then got a message we can't make a decision now, this seems odd as I was pre approved. Maybe it's because I applied late on a…
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Virgin Balance Transfer card
A few weeks ago I applied for a Virgin balance transfer card. I had to send photo ID and then had an email that I was accepted a few days later. Next I had an email saying the balance transfer hadn't gone through and to contact them. I did this and they said the account was under review. I received the card in the post a…
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Capital One CC - block refused
Hi, back in 2015 (5/12/15) I contacted Capital One via their online message system about a block being placed on my account, so I can only pay off the balance owed and not get myself into further debt. This block was refused. When I first opened my account, the credit limit was £200. This was then later increased to £800,…
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Halifax Clarity Card
Has anybody else noticed that when you make a purchase in foreign currency the initial price changes a couple of days later. Made a purchase in Australian Dollars and account showed £607 then later it showed £614. This does seem strange and could possibly make this credit card no so attractive
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Need some help with money transfer card please
hello ive apply for a credit card to pay off a loan ive been pre approved for a card and ive looked at the interest rate and notice they a monthly charge and just wondering if that after the 0% ends or while 0% in action thank for any help im clueless on credit cards
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Credit Card Balance Transfer Help Needed
Hi, I applied and got a 24 months 0% balance transfer card from Sainsburys, however I found out later the store cards I wanted to transfer dont use or dont allow faster payments so I cannot do the transfers I got the card for! Is there any other way of getting these balances transfered? Any help would be appreciated Thanks…
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Understanding Credit cards
Hi there I curently have two overdrafts one is at £1200, the other at £675. Im looking to clear these using the below credit card but just have a few questions as I havent owned a c card for a long time and ive nver tried to move debt.…
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purchased on BT cc.. seeking urgent advice
This is my first ever post. Seeking urgent advice. Balance transfered an old card £3000 onto mbna recently BUT without realising that 0% is for the balance transfer only.. I made a smallish purchase (about £120). Now to avoid interest & complexity etc , should I 1) pay the purchase part (£120) OR 2) balance transfer the…
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Can I get 0% on new purchases on existing CC?
I have had both Sainsbury's and Halifax CC's for many years. They regularly post me offers for 0% on balance transfers for varying amounts of time. I'm about to get a new kitchen and will be buying £5000 worth of appliances soon and was thinking of getting a new cc (maybe the AA) to avoid the balance transfer fee. Do you…
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Credit Limit increase
I have just got a letter saying one of my providers is increasing my credit limit on a card I have. I don't know whether to accept it or reject it. I have done a bit of research online but I get conflicting thoughts. Looking at my credit files I seem to have a great rating/file, with no defaults, no CCJs, bankrupt status,…
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Credit suddenly removed
Okay, its not a credit card, but someone may be able to help me. I have an account with Very, and my limit was recently increased to £750. I have always managed my account well, made payments on time and had things cleared in at least the 'take 3' period. However, I atrempted to order a fridge freezer as I'm moving, and it…
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Marbles Card
Applied for a Marbles card last night and was successful at the representative APR - which is good for me! Does anyone have a Marbles card from when they relaunched in 2015 and how long did it take to arrive? What was your initial credit limit? Also, the card is referred to by Newday as 'near prime' - is this the new term…
