Credit cards

Archives for May 2018

Tandem card abroad - cash withdrawal interest
Hi, I've just applied for a tandem credit card. On the website it says "You'll be charged interest from the day you withdraw cash in the UK and abroad". Can someone clarify what this means? If I make a cash withdrawal abroad will I be charged interest even if I make the payment back straight away/on the same day? Thanks :)
Balance Transfers
Hi, I now earn enough to finally get a hold of my credit cards, and I have already spent last 18 months at 0% on a balance transfer card. However, I still owe £1500 on this particular card, and £3300 on a dreaded Vanquis card which I want to move. I am concerned that if I move £3300 to a Halifax 0% card for 25 months,…
Secondary Card Holder Question
Good Afternoon I previously took out a sainsburys % credit card to do a balance transfer, which is coming to an end. When i took out the credit card, they asked if i wanted a secondary card, which i said no to. However, im now thinking of taking that offer up so my partner can use the secondary card. The card would purely…
Balance Transfers
I've heard some credit cards may be discontinuing balance transfers. Does anyone know if this is true and if so which of the credit card companies might do it anytime soon? Also keen to get thoughts on whether it would be a good thing or a bad thing for the cc company if they were discontinued? I make good use of my…
cash balance cards
hi every one I would like to ask about getting an card, that transfer cash into my currant account. But I am not sure how to go about it , I have had a balance transfer cards. But is it the same and are they easy to get. Thank you for your help with this matter. Best Wishes Maggie T
Paying off credit card whilst abroad
Have a Halifax Clarity card and going for an extended holiday abroad, has anyone had any problems paying their credit card whilst abroad. For example my doctors system will not allow me to book appointments or order medication whilst abroad Thanks Steve
Minimum repayment terms
Does anyone know the minimum (%) repayment for the following cards, or how i find out if i've lost my terms and conditions? Post Office Balance Transfer card MBNA Platinum credit card LLoyds Bank Platinum Mastercard Thankyou in advance
Is it contactless?
I have MBNA CC and two other debit cards. They do not have the wavy line symbol next to the wifi symbol. How do I know by looking at them if they are? Thanks.
Travel Credit Card - Visa or Mastercard
Good evening everyone We go on holiday in a few months and we are just trying to plan our spending. I am unsure whether to apply for the Barclaycard Platinum Travelcard (Visa) as there are no fees on cash or spending, but the exchange rate wont be as good as a Mastercard Or. to apply for a travel master card (i'm unsure if…
Amex card delivery time
Hi, I applied for the Platinum Everyday Cashback card from American Express, and got the "unable to make a decision now" email. Rang them up this morning, and I've been told "accepted, cards on their way". Which is great, since I have some appliances to buy, and am looking to take advantage of the 5% cashback in the first…
What 'e-wallet' can I upload MasterCard funds to?
Hoping someone here can help! I have an online account with a digital payment service, its called 'FirstChoice Pay'. The currency is in dollars and its based in the states, but they have customers all over the world. Well unfortunately they are closing for business and have sent out emails saying all funds need to be…
Maestro Pre-paid Cards
Hi all, On a recent business trip to Switzerland, I found at lunch that my Visa (Credit & Debit) and Mastercard (Revolut Debit) were not accepted. I didn't have any Swiss Francs on me and my boss had to bail me out. The lady in the restaurant said that the fees were too high and they only accepted EuroCard / Maestro. Since…
overseas cash withdrawals
Considering applying for Halifax Clarity cc as it's recommended for overseas spending. Downside is it charges 18% for cash withdrawals abroad till payment is made. Am I right in assuming though, that by making a payment onto the account before trvelling to cover the estimated cash withdrawals, there would then not be any…
Credit Card Application
I was wondering what people were thinking of the letter I received from HSBC regarding a recent credit card application I had with them. In March I applied for a HSBC credit card in order to do a balance transfer after checking playing like Money Saving to see how eligible I was and came back 90/95%. After getting the…
Spanish banks and currency conversion
Twice on a recent trip to Spain I paid with my credit card, selected to pay in euros and then received a receipt showing the transaction currency in GBP with the statement "I have chosen not to use the MasterCard currency conversion services and agree that I will have no recourse against MasterCard concerning the currency…
Creation Card
Creation Credit Card - Great Product - Poor Service Anyone else use a Creation credit card? I took out a creation card in July last year as we were going on holiday in August. The application was simple and painless and we never even got asked for proof of ID or address. We were given credit card with a limit of £3000 at…
Credit Card Gift > 2nd Class Postage
Hi all I was accepted for a credit card and was offered a voucher + complimentary branded ornament stand. Card and PIN have arrived but not the gifts. I spoke to an agent on the phone and he said it was sent on Saturday through 2nd class postage in a parcel box. Does anyone know the estimated time of delivery for 2nd class…
Lost Promotional rate
Hi I have accumulated a debt of around £10k on MBNA credit card. The payments were comfortable as I had the debt on low/promotional interest rate deal. However, I was late making a payment and they have removed the promotional rate meaning the rate will be considerably higher. I have logged a complaint but they haven't…
Section 75 situation with two credit cards
Hi, What's the situation with Section 75 protection when I split a purchase across two credit cards? If I have any issues are both companies equally liable for the full amount, some percentage, or will they just argue about who should cover any issues? Thanks, Julian.
M&S Credit Card Can't pay balance
I thought this as good a a place to ask as I can't find it in their terms and conditions.... My dad has a standard M&S Card and for example say he has a balance of £1500. When he goes into the store to pay off his balance with a Debit Card, they won't allow him to pay more than £1000 in one month. So effectively, he owes…

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E.on Next to cut winter bills by up to 50% for some existing customers on low incomes – here's what's happening
If you're an E.on Next customer on its standard tariff, look out for a message from the firm offering you up to 50% off your bills this winter, as the supplier is launching a new support scheme.
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