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Barclaycard
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M&S Credit Card application from 2-3 months ago
2-3 months ago I applied and was accepted for a M&S CC that was advertised on Martins Email. It was for a low rate balance transfer at less than 1% Alls good witht he card but im sure it came with £20 cash back which hasnt materialised so I was wanting to check. Ive gone through the old emails to double check and cannot…
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Utilising my 8 credit cards to the best possible effect
Hi, I will soon be trying to get a fairly large mortgage (looking at houses worth about £500,000), probably with an LTV of about 75% and am looking for advice as to how best to improve my credit worthiness by means of utilising my credit cards to the best possible effect. In recent years I’ve found it extremely difficult…
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Interest Rate Question
Hi all, Just a quick question regarding the monthly interest rate on purchases for credit cards. Would I be right in thinking that if a monthly interest rate for a credit card was 3.990% on purchases, does that mean they charge 3.990% of your balance? For example, if I spent £127.28 on a credit card (purchases only) in one…
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Balance Transfer Balls Up!
Hello all, I applied for a halifax balance transfer card today and made a mistake when I entered the required credit limit. I put down £6000 as this is what I need to transfer but didnt realise it would only let me transfer 95% of the balance. They accepted me for the £6000 limit but web page crashed before I could…
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Balance transfer, closing account and effect on credit rating
Hello, Hope you're all well? I currently have an Aqua Advance credit card which I got circa 18 months ago to improve my credit score. It's worked well and my Noddle credit score is 5/5 (647) which is up from 2/5 when I first got the card. I've never had true credit card debt as I just used the card for my daily purchases…
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How to save with Balance Transfer ?
I have got £6000 credit limit with Halifax card for 0% APR and balance transfer fee for 29 months. I have to do balance transfer of £5300 to my TSB card and want to know how could i save the money by doing so. 1. Bank will still charge 1% of total credit use which will be £53 a month and it will still be £5300 end of the…
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Lloyds Bank Credit Card 2.9% new purchases
As far as I know for existing credit card holders by invitation. 2.9% APR on new purchases commencing 5th September 2017. I clicked the "Activate" link in the email I received from Lloyds Bank out of the wide blue yonder and that was it. The resulting web page stated A good deal for me personally.
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Cash withdrawals - disabling the facility
I inadvertently withdrew cash on my credit card rather than my debit card( I have the same PIN). I never want to use this facility on my credit card - will credit card companies allow you to disable this facility? There is no real info on this on the web. Any advice appreciated - thanks
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Credit card insurance cover
Paid a deposit on a cruise holiday by credit card and plan to pay balance by bank transfer. Does paying the deposit by card give card insurance cover for the whole holiday cost, or just the deposit?
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Aqua credit card
Hi everyone. I received my aqua credit card on Saturday which I activated then ordered my kids school uniform from a well known website but the payment would not go through??? My online account it now blocked and when I rang they said this has been blocked by head office and they have no further details I have to wait to…
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Section 75 Claim
Hi I sent my Samsung S7 off for repair to a company found online. The £310 was paid for by my credit card. The phone ha been returned and the repair is of a very poor standard, and some of it has fallen off since receiving this back. I ave contacted the company 3 times and they are ignoring me completely, and hang up on me…
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Advice Needed On How To Proceed With 0%
Hi, I am intending moving my largest CC to a 0% deal, having run the eligibility checker I have found that I need to pay off some more money before I move as it is over 10K. This works in my favour as I am being upgraded at work which will mean that I will have more money to throw at the situation. The options I have as…
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Amex Customer Service decline?
have other Amex cardholders found, like i have, that cs standards have declined significantly in recent months? i have always sung their praises, but i've found them to be poor lately:think:
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Using Halifax credit card as a currency card
Hello, I'm going to Japan in a few months for 3 weeks and was wondering if it would be advantageous to over-pay my Halifax credit card before travelling and use this as a cash card at the ATMs? That way, if there's a credit balance on the credit card, there should be no interest to pay so long as I remain in credit? The…
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Cash withdrawals abroad
I have heard Martin say in the past that withdrawing cash on a credit card can affect your credit score. I have a Halifax clarity card as advised to use when abroad. If I withdraw cash from an ATM would this be the case?
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Post Office platinum card
I applied for a post office platinum credit card 0% 28 months They wrote back asking for certified ID & address verification. Does this mean I've been accepted for card pending this documentation? I'm planning on asking my bank to verify the documents, if they won't then post office will charge me £10.50. It's not worth…
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section 75 - can I claim?
I had a new boiler installed 2 1/2 years ago..it is now out of warranty but I have had many replacement parts since it was installed and there are still problems. Can I make a claim to my credit card to get my money back and all the extra costs incurred since?
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Creation everyday CC trailing interest on paid off foreign cash
Hi, A couple of months back Mrs and I were on holiday on Antigua. Besides a bunch of purchases, I made one cash withdrawal on 8th of June (on statement on 9th of June) of 200XCD, which Creation converted to £59.33 (incl 2.99% fee) -£1.72 (foreign fee savings) = £57.61 in total. On 15th of June I paid off £60 for the cash…
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John Lewis Partnership card and contactless payments
I've just received a replacement Partnership card. It comes with Contactless payment. I thought contactless payment is equivalent to cash. Or am I wrong? The booklet with the card says 'Cash or cash related payments' have a minimum of £2.50 per transaction plus 23.9% annual interest. So I'm guessing that if I use this card…
