Credit cards

Archives for August 2017

How is best to repay my cc amex?
Hi I have an AMEX BA with a credit of 6k and an APR of ~18.5%. My debt to salary ratio is aroun 32% ( mortgage + minimum payments in this card ). What is best option for me? 1. Transfer that into a 0% credit card? 2. Get a personal loan with APR of 4.2% that was proposed to me? I prefer option 2 since my salary is good…
Which credit card companies have the best customer service
Hi I have been a longtime Barclaycard customer, and have stuck with them as I liked the layout of their website and statements. However, after a truly awful experience with them in which I had no choice but to phone their call centres repeatedly whilst they failed to resolve an ongoing issue I feel like its time for a…
Which 0% card to apply for
I want to start some modest stoozing to get the most out of my high interest current account, putting every day and some larger spending on card. With the accounts/cards I currently hold I'm not quite sure the best way to proceed. I have a credit card with M&S for which the 0% purchase period is expiring in December with a…
MSE News: Card firms hiking credit limits of those struggling with debt...
One in five people with debt problems have had their credit card limit increased without requesting it...Read the full story: 'Card firms hiking credit limits of those struggling with debt - what to do if your limit's increased' Click reply below to discuss. If you haven’t already, join the forum to reply.
0% credit cards
I've noticed that the illustration given on the longest 0% credit cards (spending not balance transfers) credit limit is around £1200. I understand that the credit limit is always subject to status but £1200 isn't worth me bothering with for the purpose I had in mind. Do any of you guys have any idea whatsoever what a…
How to pay a Lloys credit card from a Halifax current account
Hi, I have just done a balance transfer onto a Lloyds credit card. I have a Halifax current account and I just logged onto online banking to try and make a payment to Lloyds credit card. However this is proving difficult as when I have gone to set up a new recipient, I need to have a sort code, which my credit card does…
Second balance transfer card?
Hi everyone, I would like to hear opinions on this. To start with, I have one ordinary credit card with Lloyds for about 4 years and one balance transfer card with Barclays for just under a year. My main bank is Lloyds which I have the current account with. I always paid the cards on time and never missed, however I was…
Please help! Credit cards and European car hire
Hi everyone, My boyfriend and I have booked a hire car in Italy this weekend and it has been paid for already by debit card. The terms and conditions state that we will need to present a credit card as a deposit and they will block a certain amount in case of damages when we return the car. Unfortunately he can't remember…
AA Credit card question
Hi guys. This may sound a really daft question. I don't have much experience with credit cards but recently received the AA Credit card with 16 months 0% balance transfer. 32 months 0% credit card. I have 2 catalogue debts (nothing drastic) but want rid of them. Can I pay them off using the credit card and still qualify…
Amex no longer allow balance transfers?
Hi, Was hoping to "stooze" from BA Amex to another 0% offer only to find out they don't allow balance transfers. 1. Is this allowed? 2. How can I escalate this? Appreciate any guidance. Thanks G
Santander 123 Credit Card - Paper Statement not showing transactions at start
I have had the Santander 123 credit card for a few years now but find that every paper statement they send is not showing several transactions from the start of the billing period. There are about 3-4 days that don't show up at all. Anyone else noticed this ?
Clear Overdraft with Credit Card
Ok so it goes... i have a £500 overdraft witb Halifax, i have now closed this account and opened an account with Santander. Mt question is this.. i have 2 credit cards, one with a £500 limit 0% 6 mth on balance transfers & another card with a £900 limit no 0%. Which card do i use to clear to my overdraft? I have £480 due…
Never had a credit card - now i can't get one
Hi All, there might be a post about this already but for the life of me I can't find one that's relevant! So I want to get a credit card................... problem is i have never had one and therefore my credit worthiness is low. I'm nearly 30(!) and never had one. I've had mortgages for the last 6 years, always paid and…
Mastercard vs Visa FX Rate
Hi, I have a Halifax Clarity and Nationwide Select credit card with 0% fees abroad etc. According to: http://www.moneysavingexpert.com/travel/travel-credit-cards#halifax The rate you'll get is set by Mastercard – it tends to be higher than Visa's and Amex's rate, making this the joint top card for spending. However I…
Using Amex Charge Card and paying off next month.
Hello MSE’s, So I have a AMEX Green Charge Card which I use for all my normal spending (groceries, fuel etc) spending that would be done regardless of anything else and that is so I can take advantage of the points and rewards they offer. I, of course have to pay this off every month which is why I picked it. THE QUESTION:…
Dealing with my CC debt!
Hello everyone. Have used this forum many times in the past but decided to join for support and advice. I currently have around £7800 in credit card debt. Earlier this year I consolidated the debt into one MBNA 0% balance transfer credit card (£7300) and my previous Virgin Money 0% credit card (£500). The reason I have two…
Cashback + Travel card?
With recent changes to the Barclaycard Cashback Amex / Visa product, I've been considering switching card providers. I have two cards with Barclaycard (Platinum Travel and 0.5% Cashback Visa). What I've been looking for, is a single card that provides both some level of CashBack / Reward and 0% foreign currency fees. Does…
Late statement from Nationwide?
I have a Nationwide select card that normally produces a statement on the 25th of each month. This month it hasn't done that which I thought was possibly due to the bank holiday but 2 days later still no sign of the statement. Anyone else having issues similar to this? I just like to pay my balance on time so I don't get…
Credit cards for students
Anyone managed to find a credit card for a student with no income except a student loan? Trying to get a credit rating!
Initial period expiring - best actions now for new card?
Hi all, this might be considered a bit forward planning but I want to make sure I do everything in the "right" order to maximise the chance of being accepted. I'm still on my very first "initial period" so not gone through this process before. Both me and my fiancee have credit cards (1 each - no more) whose initial 0%…

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more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
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