-
Credit cards loan consolidation
I'm looking for a loan for about £8000 of credit card debt, my credit rating isn't fantastic but it is on the up and I have been making regular payments to these four particular credit cards. I would like to take out a loan to settle these credit cards, however, when I carry out a search on Google I am struggling to find…
-
Santander Statement
I have just downloaded my Santander credit card statement and the dates in the transaction details section are all displayed incorrectly. For May transactions the date is displayed as 5th and for June transactions the date is displayed as 6th. Whilst being very strange the content is correct so I am not unduly worried. I…
-
Post Office Credit Card - Balance transfer not done?
Greetings all! So, heres a long story (hopefully) short: Got 3 credit cards, all of which have balances. In order to save some money, applied for a Post Office 0% balance transfer card, thought i may as well save some money on whats being paid (Total debt over the 3 is 3,200) Was accepted for the balance transfer card, and…
-
1 credit card or 2?
Hiya, I have 2 credit cards which I have had for a few years now. One since 2014 and one since 2016, both credit builders. The one since 2014 is Vanquis and has a 0 balance, the other one Capital one card which has a balance on, and I use slightly more often. I’m thinking of closing the latter when I have paid it in full,…
-
Change Bank MasterCard Debit Card
Hi, I have been sent a 'Change Bank, Prepaid, MasterCard, Debit Card' in the post, yet I have not requested or applied for one. The accompanying letter provides several telephone numbers, yet I am unable to speak to a person as all are automated. I wondered if this was an elaborate 'Spear Phishing' Scam, or if it a new way…
-
Credit Card s75
If I use a credit card to pay a Tradesman through TrustATrader, do I still have s75 protection?
-
Beware "New" Barclaycard terms & conditions
Just a warning to those outside the UK who have a Barclaycard that they use regularly. I recently received an email from Barclaycard. “Your Barclaycard will stop working if you don't get back to us ” We realise you've had a Barclaycard for some time at your current (non-UK) address. As it's part of our terms and conditions…
-
Help choosing the right card;
Hi, just after a bit of help, and possibly to start a bit of discussion as often when reading other people's threads, I lean more from the stuff that is tangential to the question than I did from the actual "answer". So, I'm looking to apply for a CC. Honestly, I don't need one for spending as such - I'm perfectly able to…
-
Strange results from credit card eligibility checker
I have just tried the MSE credit card eligibility checker and got some strange results. It reported that I have 0% probability for acceptance of all the listed cards, including the ones that I already hold like Amex Platinum, Amex BAPP and Lloyds Avios. Has it not got access to cards already held?
-
Interest Rates?
I am trying to compare my three credit cards, but all describe the interest rates differently, making it difficult to compare. I get APR on card 2 but have no idea what the others mean and how to convert them to APR. A quick Google hasn't helped either. Any ideas? Card 1 Annual Simple Interest Rate Annual Compound Interest…
-
Barclaycard annual statement interest rate doesn't match interest rate charged
I've just received my Barclaycard annual statement which states: “Your interest rates: The following shows your contractual interest rates at the start and end of the period below: Starting 21 Jun 2017 Simple standard rate p.a: 0.00% (0.0% compound equivalent) Simple cash rate p.a: 0.00% (0.0% compound equivalent) Ending…
-
Something odd with my credit card
Hi all. I have a credit card with Vanquis that I've had for 6 years as of this month. A few years ago I damaged it and decided not to get a replacement card (I am trying to clear debts) and to just cut the card up and continue making the monthly payments. I've had no communication from Vanquis since but have been paying…
-
Should I connect my Amex to Paypal
Hi all, I am new to credit cards. I have the platinum british airways card and we are trying to put as much of our spending as possible through that card, but are concsious of maintaining our credit scores. On my paypal account I have my bank account connected and my debit card. Do I add my Amex also, or will this be…
-
Credit Utilisation across Multiple Cards
Hi, I'm getting a third credit card and finally my first non starter card with a good life span of 0% purchases and BT so I can pay some of my debts that take interest. My question in relation to credit utilisation is that is it better to stay within 30% credit utilisation of each card or across the total limit of the…
-
Can someone help me out
This is what I have Barclaycard just paid off no balance MBNA 5104 being charged interest as 0% offer just ended (has a 0% offer available till august at the moment till saturday) Virgin Money 5151 0% coming to an end in october and january New Day 1349 0% till february First Direct 2583 0% ends in November I had hoped…
-
NatWest Mastercard - how do I go paperless?
Dear all, I have a NatWest Mastercard and every month I get sent a paper bill. In the past, there was definitely an option to go paperless on the NatWest Online banking website. I haven't been able to find this option in recent years. Has it been withdrawn? Is it still possible to go paperless? If so, please can someone…
-
Buying from German web site priced in Euros
Later this year I want to purchase from a german web site. The price is shown in euros. What is the best way to pay for this purchase. I currently have a debit card or visa credit card from my bank or a paypal account I could use Which would be best to use or is there a credit card or alternative payment method I could…
-
Bad Credit Card Q
Hi all Blaming baby brain here, seem to be over-thinking. My OH wants a credit card to build up his rating. It's not awful, but not great. Anyway, if he got one to buy petrol on for example and pay it off in full every month does this really help over a period of time? If so, should he wait a few days for the spend to show…
-
Clarity, 300 euros 298 sterling
I'm in Alcudia Majorca, just tried to pull 300 euros from a cash point and it was coming in at 298 pounds., Thought that was poor and didn't complete the transaction. Was I right or is this what I should expect? Was the machine charging me too much? It's about 30 quid too expensive i reckon. I used the clarity in Mexico…
-
new day rules - multiple cards
Hi I’ve had an aqua card with newday for 8 months now. Was approved for an amazon card with the same company newday on the weekend. Amazon is the brand on the card but aqua also lend under new Day as well as amazon. My question is what is the rule on multiple cards? Am I right in thinking that you can have one amazon and…
