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balance transfer?
Hi, I am trying to pay off an overdraft of £1,200 with Lloyds. With the new bank charges it is going to take ages to pay off. What is my best option, a balance transfer or a credit card? can you transfer a balance to another account if its in the overdraft. how does it work?
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Bank of Scotland Loyalty Credit Card (1990s)
Did anyone else have a Bank of Scotland loyalty Credit Card in the 1990s? I did (mine was Coventry City) and I'm sure there was an element of PPI in the monthly charges - however BofS do not acknowledge this card ever existed. If anyone remembers one and has any documentation (for example, T&Cs) I would be extremely…
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Lloyds BT CC: Has anyone ever had problems getting their promotional fee & cashback?
Hi all I posted recently to see what my likelihood was of getting the 33 month deal rather than 18 month deal with the Lloyds BT credit card. Well, I went ahead and applied and got the 33 months so am very pleased with that. The two things which made it worthwhile for me were: - 0.57% transfer fee. - £20 cashback after…
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Credit and Balance transfers
Hi all, I've recently been sent an offer by my bank for a 27 months balance transfer deal with a low fee (but not market winning), but this prompted me to shop around a bit and explore other deals on offer. My problems are thus: 1) I've recently applied for a mortgage. This has been accepted and an offer extended. We…
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Unsure what to do.
I'm currently on AP arrangement with Barclaycard and have been for 2 years, though I find it odd they have put 3 OK's between the years when payments never changed and then back to AP, I'm guessing that's away to keep me pinned for 6 years continuous? Anyway I don't know if to default my account, my wife has an IVA due to…
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debit card protection- charge back
Hi, I am seeking some more understanding regarding charge back on my debit card, i couldn't find anything similar on the form so decided to ask. Thank you in advance for any replies. Couple of month ago my family booked a cottage stay at The Old End, Sheldon in Peak District through the (regretfully) TripAdvisor website.…
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My Optimum
Has anything happened to My Optimum pre paid card. I can't open their website.
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Missed credit card payment due date by accident - consequences?
Hello all, I accidentally missed the payment due date for a capital one credit card. The balance was £50, with a £5 minimum, due yesterday on Sunday 4/11. I received a text today, on Monday 5/11, logged in and noticed this. I immediately paid the entire balance by debit card. It notes this will take a day or two to appear…
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Need a virtual card
I am looking for virtual card. It need to be like a Vplus or Vanilla cards. If you know some cards like these two, write in this discussion.
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Clearing PayPal Credit
I wanted to get a 30 month 0% credit card to make some purchases and clear my PayPal Credit Account. However, I’ve just realised that I don’t think you can use a credit card to clear the PayPal debt. I’ve £1000 in there - what would be the best way to go about clearing this?
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Made payments to the wrong account, what can I do?
Hello, I've been paying my Santander credit card off from my Bank of Scotland account using the 09-00-99 0100007 account details with my credit card number as the case reference. I'd been doing this for a while as a standing order. Last month, I got a call to say that I'd not made my payment. I made another payment using…
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Lloyds BT CC: If I'm offered lower amount of mths how will turning it down affect me?
Hi all I am looking for a new BT credit card and after going through the MSE article I think the Lloyds one (up to 33 months 0%, 0.57% Fee) suits me best. The fee is low, the length of time great, and the repayment amount (1% rather than the 2.25%/2.5% competitors charge) is fantastic! :) The only downside is that some…
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John Lewis partnership card
Does anyone know how long John Lewis finance take to decide an application for a partnership card? I applied online last week (29/10) and when I checked today it still gave the message that they are considering my application. How long should I leave it before calling them? I have no reason to believe I may be rejected.
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Vanquis overcharging me I think!
Ive had a vanquis card now for some time and its proving almost impossible to pay off. I decided to chop it up and see if that helped, an obvious solution to stop spending anyhow. The fees still keep coming every month....purchase fees and cash advance fees....i thought they were just for if you keep using the card? I…
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Masterclass by MasterCard bit off topic
Seen a few adverts for masterpass lately so tried Google play for the app but it's not available in UK.i signed up on the UK masterpass site but I've no idea how it works without an app.any info please
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Lloyd's Credit Card Application
It has been suggested that before making an application for a Lloyd's credit card it is worth talking to someone in branch as they can usually see on their system/your customer records whether you are eligible. I had reason to be in branch last week and asked about the possibility of obtaining a card. The cashier said that…
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Instore cash back with Credit cards registered on multiple sites
Hi All, I recently noticed the ability to register my creditcards with Avios to get additional avios points for instore purchases. I did register a few cards but then it struck me that a couple of those may also have been registered for in store cash back with Quidco/Top Cash back. Does anyone know what happens in the…
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MBNA Emirates Skywards Card
MBNA will no longer issue airline credit cards from 7th November. For anyone that already has an Emirates Skywards card, what is the most likely thing to happen? Will these accounts remain open or will they be closed at a certain period of time? Someone I spoke to at MBNA said that the airline cards are being taken over by…
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Halifax Clarity Card 'interest'
Good morning, SO I have had an interesting one. I have a haifax clarity card which I pay off in full every month. However I have noticed these past 2 months I have been charged 'interest' on the 1st of the month. Now I haven't used it in an ATM (well not since summer where i paid it off instantly) and i pay off the full…
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Nationwide Select - cashback down from 0.5% to 0.25%
From 11th January 2018, cashback is dropping for existing customers to 0.25%. https://www.nationwide.co.uk/support/support-articles/important-information/select-notification
