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Santander - Online Banking time out
I have a Santander bank account. It's not my main bank account one but more a 2nd one. Though my CC is on the account sign on supposedly as well! Does anyone on here use Santander Online Banking successfully? I first signed up in 2015. Go to log in & took ages to connect and then got timed out. error message saying taking…
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Balance transfer
Hi. The interest free period on my MBNA card has expired, so I looked at the best 0% balance transfer deals and applied to Sainsburys for theirs to transfer £3000. I received a letter from them the other day to say that my application had failed following their credit scoring checks. This surprised me as we've never fallen…
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Section 75 CCA
I purchased a Microsoft Surface Pro 4 from Dixons Travel (Bristol Airport) in November 2015 and used my credit card. Last month we updated the device using "Windows Update" to make sure we had all the latest operating software installed etc. Since then the keyboard does not work. We have swapped the keyboard for one we…
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transfer family member's debt to my card
my son has debts of £5,000, would i be able to transfer his debt onto a intrest free balance transfer card in my name?
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Credit Card Confusion
I currently have 3 outstanding balances on credit agreements and i'd like to use a credit card to pay them all off and then pay off the credit card. What kind of credit card should i get as i'm confused with the Purchase or Balance ones? Any help would be gratefully received. Thanks.
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M&S Credit Card Approved or Not - Confused?
Hi, so i applied for a M&S Credit Card on their latest 0% deal, I received an email a few days later to tell me they were looking at my account and id hear back within a few days. A few days later i received an email with the following: We would like to approve your application and kindly ask your help to provide some…
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Will direct debit still be taken?
I've joined the payment a day challenge on here and have been sending payments to my Lloyds credit card every day, resulting in me now having met the minimum payment for this month. The direct debit is set at £40 a month and is due to come out on 21st August. As it now says minimum payment is £0.00 will they still take the…
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Balance Transfer help
Hi Guys, Need a bit of help as I'm new to credit cards. My mom has a BarclaysCard (she's had it for years). She just informed me she's ran up £13,000 on it over the past few years. She didn't want to tell me as she knows I'd get pretty annoyed at her considering her wages each year add upto just about £14,000ish She's…
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card issuer revealed my new number to the retailer
Hi I had an email saying my anti-virus could not renew as the card would soon expire. I did nothing as I had actually meant to cancel this. But it did renew, and as luck would have it, we were on holiday so we are now outside the retailer's time limit for refund. It's small money but IN PRINCIPLE, is the card issuer in any…
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How to calcuate balance transfer interest with 2 different rates.
Hi I've got a Halifax c/c which I've used for a balance transfer on 2 different occasions. One is nearing it's expiry and will revert to 18.7% apr. The rest will continue at 0% apr. I'm trying to work out how much interest I'll pay on the 18.7% bt. Obviously any payments pay off the 0% bt first. I've tried using online…
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Do CC ever offer 0% extensions ?
Hi bit of advice please I have 3 CC Barclays Plat with £121000 limit I am using using to clear previous high rate CC debt Nationwide CC £5600 limit I use abroad mostly to buy petrol on mbike trips always clear in full ASDA cashback card £5000 limit as my daily spender always clear in full Due to buying my daughter a cheap…
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0% Credit - Non Home Owner
I am needing to buy new furniture and wanting to make use of either 0% on purchases credit card or the shops own interest free credit finance deal. However my concern is that we are not currently homeowners. My husband, I and 2 kids are currently living with my parents while we wait for new house to be built (due October).…
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0% credit card - No set spending limit?
Hi, Sorry for the ignorance here but I dont know the first thing about credit cards. I have always paid for everything out right (apart from car loan & mortgage) so when I was applying for my mortgage a few years ago it was recommended I get a basic credit card and spend on it occasionally to build a credit rating. I took…
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Credit card or redundancy money??
I was recently paid off from my job and after booking a holiday etc I have some money left. My question is, I am off to Edinburgh tomorrow for a long weekend and as I have no wages left this month for spending money, I was going to put all spends on my credit card. My boyfriend and myself will then pay it off as quickly as…
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Credit card with no set spending limit 0%
Hi, Sorry for the ignorance here but I dont know the first thing about credit cards. I have always paid for everything out right (apart from car loan & mortgage) so when I was applying for my mortgage a few years ago it was recommended I get a basic credit card and spend on it occasionally to build a credit rating. I took…
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Dependants Question
Hello all, Just wondering what you would class as dependants? Reason I ask is that both myself and my wife are in full time employment. Seperate salaries going in to sepearate bank accounts. I pay all bills, mortgage etc and she takes care of food, travel etc. It works out well for us. When applying for a single credit…
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Credit card cash withdrawal question
Hey guys..got a silly question..got my halifaxcredit card..the limit is 1000 pounds..so would I be correct that I can withdraw only 500 pounds in cash and the other 500 pounds will have to be used as transaction in shops etc??
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Credit Cards cleared - what next?
Hi all, Sorry, my first post on here so hopefully this is the appropriate place! My girlfriend and I have recently cleared our credit cards and without our own mortgage or any other debt, we both have 999 credit ratings. We're in our mid-late 20s and are getting married next year. To manage various purchases we are looking…
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Best way to pay Credit card off
Hi all I have two credit cards one with a £1300 and the other with a £500 limit. Both are maxed out and I want to pay them off and I am able to pay around £200 a month off them. Both cards have high APRs on them and I wanted to know how is best to spread the repayments over them. Shall I pay one of then the other or split…
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Good point/rewards accrual ideas for Amex
Just got my first ever Amex card, a Gold Business card with a £50 bonus from Quidco. Amex offer 20,000 points(£100 voucher) on £3k spend in first 3 months. Now, this will be a push, but I'm determined to do it to get a £100 voucher - as it will be stuff that I spend throughout the year just compounded a bit. * Shopping at…
