-
0 Interest Card - Can I make many payments?
Hi All, quick question, i have a 0 interest card which i wanted to free up some credit on. Am i allowed to just make as many payments as i want during this 0% period? I've already set up a DD but i'm just worried if i do a couple of lump sum payments when i have the funds will it make me void the interest free period or…
-
credit card & section 75 consumer credit act
I have had problems with a 2nd hand car - paid for with my credit card. I took the car back to the retailer twice & they failed to fix it. I have made a claim against my credit card & they say they want me to take the car back to the retailer for a third time. I don't want to/don't trust the dealer. Should I stand my…
-
help me! capital one fraud
i applied for a capital one card on 10th june. i was approved and everything was ok. my card was sent out and started using it no problem. i received a call from someone at capital one who said my account was being reviewed again for potential application fraud. i denied any such knowledge and said i'd get a call back…
-
Success story - thank you MSE!
So, six-and-a-half years ago I posted this thread: https://forums.moneysavingexpert.com/discussion/3744595/im-totally-bamboozled-can-anyone-help I had about £5k worth of debt, £3,200 on a credit card, with monthly repayments of £105 but only paying £9 a month down. I won't lie - my financial position was bad back then and…
-
Travel credit card
Hi I would like to apply for a travel credit card from a well know company. On the online application form, the company would like (as well as all the other details etc) Bank- account number and sort code I assume this is safe to input and send to this company/ Just feel a bit unsure about entering bank stuff. thanks in…
-
Impossible to answer question as part of balance transfer
I wonder if MSErs have been in this position and can offer any advice? I applied for a 24 month 0% fee and interest balance transfer credit card from Lloyds, after logging onto my Lloyds account, where I have a number of products. As part of the application, I requested the balance transfer, filling in the correct details.…
-
Amazon Classic Mastercard
I was approved for an Amazon Classic Mastercard. It comes with 0% interest, £10 voucher and instant spend upon approval via Amazon website. My new card was instantly linked to Amazon and can spend up-to £500 until the card is activated. It states that I have to wait until card activation to use my full credit limit. The…
-
Credit Limits
I would like to get a balance transfer card to transfer my credit cards to 0%. How does the provider decide how much credit to allow, and what can I do if the limit is less than the amount I need to transfer?
-
halifax stopped by credit while in USA
I have a Halifax Clarity card which I use overseas, as recommended by MSE. Just before our family holiday I checked the credit and there was plenty for our expenses while in USA. A week into the holiday I got a text message saying my credit limted was reduced to £500.I had already put about £350 on the card. Panic! In USA…
-
When is the best time to set your statement date, in your opinion?
Hey all, My direct debit is set up to clear the balance on my credit card in full each month, and my DD usually comes out 14 days following the statement date. As I get paid on the 5th of the month I'm wondering whether to have my statement date before/after my pay date. Is there a certain strategy everyone adopts with…
-
PayPal credit...
My credit file has been improving a lot over last 2 years.....Now have no CCJ, just waiting for some paid defaults to fall off....1 in September and last 1 in January. However, PayPal credit just gave me a 1k credit line and 0% finance on purchases over 150 pounds for 4 months each time. Sounds a winner to me ?
-
ppi on 0 balance?
Hi, I cleared my cc balance in April and haven't used my card since. I was charged payment protection in May which I assumed for my balance in April. I've cleared that charge in May so my balance is 0 but I found out I've been charged 0.79 for payment protection. I know it's only 79p but I thought I shouldn't be charged…
-
TSB credit card cashback
Hi, has the cashback now finished completely? it was 1% but I have not been notified that it is no longer being paid or if the rate has been cut. Thanks in advance
-
50% chance with 'pros' or 95% chance without?
Hello people, First-time post asking for your opinion(s) and/or advice. Apologies if this post is in the wrong place, I'm not exactly forum savvy !!!128580; So, I have two bad-credit-esque cards both near their limits: CapitalOne - currently @ £650, and Barclays - currently @ £1900. I've not been very sensible with them in…
-
best card for online purchases
Hi everyone, posted a thread in budgeting but think this place may be better suited. Basically I am looking for a card that I can use for online purchases, no other needs really, I want it secure so there is no risk of anyone trying to take money ( had that issue with Poypol) I plan on paying it off every month, dont think…
-
Amex 5% cashback offer
Can someone confirm I am understanding the Amex 5% cashback offer properly on the Platinum Everyday Card. If I spend, say £4500 on a train season ticket immediately after getting the card, I would receive only £100 cashback for the first three months and no further spending in that period would earn cashback (even at the…
-
MBNA Purchase Offers
My MBNA zero percent on purchases is coming to an end soon. I would like to stay with MBNA if possible. Is there a way to get another zero percent on purchases offer from them? Can you get a second card with an offer and transfer the balance? Or would i need to close the account and apply as a new customer after a set time?
-
Am Looking for Credit card 0% on purchases 0% intrest chagrges
Hi AM looking for the above as going on hols and need a card which can offer me that and no late payments charges as will be away for 4 weeks A Travel agent offers me fly now pay later with 6.9 % fees Representative APR 51.8% (variable)
-
Applying for a 0% purchase card
Hi all Looking for a quick bit of advice please. I currently have one credit card with £385 on (limit is £2,450) - I have been paying this down each month and it will be cleared in the next two months. I want to apply for a new credit card which will be 0% purchases to buy something that is about £500. On my eligibility on…
-
Virgin credit card with a credit balance
Used a balance transfer from Barclaycard to clear the balance on the Virgin card and deliberately left it with about £5k in credit. Already spent about £800 with just over £4,000 sitting in credit. They keep emailing me / SMSing me to contact them as they want to refund the money to me. Happy to leave it where it is as…
