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balance transfer or personal loan?
hi everyone, i'm looking for some advice please. I currently have 3 credit cards: MBNA £5782 interest free until may 18 Virgin £3218 interest free until august 18 M&S £3315 interest free until September 18 i am making the monthly minimum payments on each of them as its all i can afford currently. I do make additional…
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Nationwide Select Cachback Reducing to 0.25% from 18th January 2018
Not sure if this has been mentioned already, but I couldn't turn up any reference to it by searching the Forums. Leaflet enclosed with my latest statement says the Cashback rate on my Nationwide Select Credit Card is dropping from 0.5% to 0.25% from 11th January 2018. Does this apply to everyone, or only some customers?…
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Balance Transfer Question
Looking for a bit of advice! So I have just received a Barclaycard 0% for 38 months balance transfer card and have a balance to transfer from my Clydesdale credit card before the interest free period ends in February. My boyfriend has a Barclaycard (just a normal one that had 12 months interest free) and his interest free…
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Aqua limit increase
2nd increase since yesterday. Aqua card -600 limit to 1100 limit. Can’t believe my luck. That’s Chrome+Aqua cards increased. I need to continue in reducing balances, though with considerable bills fast approaching 2018. I’ll continue to do my best.
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Consolidating family credit cards
Although we are currently managing our credit cards adequately I would like to do two things: 1. Take over my partner's credit card debt transferring it over to my credit card. The credit cards are from two different companies. 2. Transfer the consolidated debt to a new credit card to take advantage of a 0% period. Is…
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Credit Card Activation
Hello, Does anyone know if your credit card is activated if you scan the card in at a contactless payment machine? Or change the pin number at an ATM machine? Also, if your card has a secondary cardholder will that person's card be automatically activated when the primary cardholder's card it activated at the same time? Or…
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Using Amex where it isnt accepted?
Hello All, I have the amex rewards gold card and am trying to get to my 2k minimum spend to bag the 20k points. I want to pay my council tax via this method however they dont accept amex. is there any prepaid virtual visa or mastercards i can load up via amex? or any other solution ? Many thanks for any help!
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£12 over limit charge - unfair?
So I have a small credit card which I pay off every month. And I use it to the limit, for business-related expenses. On two occasions now, despite clearing the card in full and in time, I've been charged a small amount of interest, which has been enough, on each occasion, to take me pennies over my limit. We are talking no…
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0% balance transfer MBE Credit Card limit lower than desired - advice??
Hi all, Apologies if this has already been discussed before. I have 3000 on my credit card, and was hoping to transfer the whole amount to a zero percent MBE credit card. I applied for the card and the limit is 2200 Is the best course of action to transfer the remaining 800 onto the MBE card in a few months? Thanks for any…
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Help with Aqua Credit Card debt - shall I go on replayment plan?
Dear moneysavingexpert, I have got a £3000 debt on an Aqua credit card at 50% APR. This month, the minimum payment is £120 and the interest is £98. The reason the debt is there is largely because I have not been paid back money owed by a relative. We have fallen out over a lot of things and I have been very ill with stress…
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Section 75 claim timeframe?
Hi all, Just wondering if anyone can give me an idea of the sort of time frame I'm looking at to resolve a Section 75 claim? I submitted a claim in August and every time I call up to check the status I get a different answer. I have been told it would 'definitely be weeks rather than months', and then recently was told I'd…
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Tesco Foundation Card?
So I was rejected for a 0% money transfer card from Tesco. My main issues being that I'm not on the electoral roll and that I've applied for loan / credit 5 times in the last 6 months. (I was applying while not realizing I wasn't on the electoral roll so that was never going to get me accepted) In spite of this, just got…
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123refunds
Had a call today from co. called 123refunds asking me if I had ever had credit cards, saying that if the C.C.co.had increased your limit without you signing for it you could claim this back, it’s like the new ppi. I have had my cards for ten years or more confirmed I would be in for a big payday. I put about £7k on a card…
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New Job - Pay Off Cards
Hi Everyone I'm new here we have loans and credit cards we struggle to pay the minimum every month and usually end up borrowing off family i worke two days a week up until this week. i have just been made full time which means a pay increase of £800 a month! i can finally see the light to the end of my debts and im excited…
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Interest charges
Hi, I have a question. I have an Aqua card to build up my credit rating. Most of the time I pay it off in full. Last month I didn't and left £200 on it and have now been charged not interest on the £200 but on the whole amount (£1000 plus) which was around £25. I thought I would only be charged interest on the amount that…
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Is evanquis login not working for anyone else?
Hello, I would like to save a phone call by asking here so was wondering if anyone else is having trouble logging into their account through the evanquis.com website. I can get past the user name and memorable word page but when I enter my password and click 'continue' I get a page with "An unexpected error occurred.…
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AMEX 'In Credit' balance to bank account?
I paid for a package holiday through Jet 2 that I've unfortunately had to cancel. I paid on my American Express card. Jet 2 customer services have happily refunded me the amount but this will be refunding straight to my credit card. I asked if there was a way of sending this to my bank instead but I was told they couldn't.…
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Changes to Nationwide Credit Card Insurance
Got a flyer along with this months Nationwide credit card statement highlighting changes to the 'Insurance ' on the card. It states that the following insurances will be removed as of 28th February 2018 :- Extended Warranty cover - Didn't actually know this existed. Travel Accident cover - again, wasn't aware of this…
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Pay my credit card using my savings?
Good afternoon everyone, I currently owe just under £4000 on my credit card. I make my payments every month but due to the interest being added I don’t seem to be getting anywhere in regards to paying it all off! I’m 23 and haven’t really been able to build a great credit rating yet as I still live at home etc. I have had…
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Should I transfer balance or pay it off?
Hi, I'm coming to the end of the 0% period on purchases of my current credit card (it was my first ever credit card, so still trying to understand it all!) and my balance is now only £100. I want to continue getting 0% on purchases (and possibly cashback too), so initially I thought I could just transfer this to another…
