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M&S Credit Card - 32mth 0% on Transfers
My husband applied for a M&S Credit Card where the deal was 0% for 32 months and £25 cashback if you clicked through via the link on MSE page. Can anyone tell me how this £25 is paid? Does he have to claim it from them or do they do it automatically? And when?
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Advise please should I take a loan to pay off credit card
Hello, Could someone more inclined with maths advise, I owe £4130 on a credit card with Lloyds. The interest is 19.6% APR I pay £200 a month. This month is my final payment on a Hitachi loan for a kitchen I was paying £80 a month for over 4 years I was planning on upping my credit card payments to this so £280 a month…
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Asking for help...
Any help grateful received. I earn 32.5K pa, I’ve got about 18 months to run with a loan at £295 per month (6K left to pay) and 1 credit card maxed at £4K (Vanquis, high interest), I’ve got a very good credit score according to Experian and equifax. As you expect I like to get the £4K off the Vanquis card, so I applied for…
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Balance Transfers ending at different times
Hi Can anyone explain (in simple terms) what happens if you have 2 balance transfers on the same card that end at different times? I have a Barclaycard and have a 0% deal that ends October 2019. I had a card with Sainsburys where I was paying quite a lot of interest so when Barclays offered me another 0% deal until June…
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Debt management agency's
Hi there I'm brand new here but really need some advice re Dept management companies. I've been using one for about 8 yr's now as my husband and I have 6 credit cards with debt totalling approx 30.000 mainly due to the ressesion when we borrowed trying to save our business ( which we didn't) Whilst I originally thought…
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Credit builder cards and other questions.
Do credit builder credit cards such as aqua and capital one actually help build credit or is it like when Wong’s said that it helped to build credit. Also I have two current accounts one I do not use but which has a 750 pound overdraft with a 0 balance, if I close this will it have an adverse effect on my credit rating?
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balance transfer credit card application
Hi. I'm new to the forum and seem to have been directed here for my question. I want to apply for a 0% balance transfer credit card (with Santander as it's fee-free) but need to transfer around £8000. I have performed the credit card eligibility check and my personal chances are 80% whereas my wife's is 90%. We need a high…
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News: Vanquis Reforming Credit Agreements
Vanquis have released an official email, detailing some changes being made in July to their credit card agreement. Some of these changes tend to favor the customer, which is nice to see. 1. The cash interest rate will be abolished. You will now be charged at the purchase interest rate instead. The purchase rate could be…
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Mbna. Can I Cancel?
Hi there, I've applied for an mbna balance transfer card, all accepted fine. I've missed a call today and need to call then back, no card or transfers completed at this time. I've just been reading the reviews on trust pilot and it makes grave reading (should have checked before I know, won't be making that mistake again).…
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0% ballance transfer juggling
hi, new poster here ;) i have two 0% ballance cards of 24 months. they charge 1.9% for card transfers (19.9% apr on purchaces). i was wondering if it was feasible to ballance transfer back and forth to each card to save on monthly interest repayments by overlapping (with card purchaces extra interest). i cant get my head…
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Asda (Creation) credit card dispute - timings?
Hi all, I regularly review my credit card (Asda Cashback) transactions online and back on the 18th May I noticed that my card had been used fraudulently online on the 17th and 18th, not by me. Called Creation who blocked the card (cancelling the 18th's transaction as it was pending) and issued me with a new card 10 days…
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Sainsbury's purchases not 0% for 28mths, but for 56 days
Hi i am new to credit cards. I took purchase card on advice I read from Martin about making a large purchase and spreading cost over 12 months, so no interest would have to paid on a purchase. However 1st Sainsburys statement arrived and says interest free period is 56 days for purchases. Am I right in saying if the full…
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Balance Transfer Limits
Hello Hope everybody is well. Just read this weeks email about balance transfers for credit card. I've currently got a credit card with 3k worth of debt used on the card. Before I use the Credit Club to check whether I'm eligible, is there a way of knowing whether I can get enough to do the balance transfer of the 3k…
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MBNA to scrap their Everyday Plus Amex card...CONFIRMED
It looks that way because when logging into my online account i'm seeing a big notice saying that my Everyday Amex account will be changing on 28th July, my account number will be changing and I'll be getting a new card in the post by September. This suggests they'll be replacing it by Visa or Mastercard, most likely the…
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Barclaycard Platinum Travel - Huge APR if you don't pay it in full?
Hi all, I have had my Barclays credit card a while now and previously never had any issues. I have spent money and withdrawn cash in Prague and Moscow, paying no fees or interest as I paid the balance in full. However, last month I spent £1,538.40 in Valencia and instead of paying the full balance, I paid off £1,238.40.…
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Help! Forgot I needed a credit card.. travel money?
Hi you helpful lot, Well, nearly 18 months ago I cancelled my 123 credit card as a change in circumstances meant I never used it, and wasn't justifying the monthly cost. Nor did I particularly like paying things off the next month. Anyway. I totally forgot I'm going on holiday at the end of this month (June) :O and it's…
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Money Transfer Cards - What are they suitable for?
I currently have two sizeable debts which are bothering me: Car PCP (£469 per month, circa £21k remaining, balloon due November 2019). 5.4% Zopa Loan (£134 per month, circa £7k remaining). 2.9% I have decided I am definitely keeping the car beyond the end of the PCP as I love the car and the mileage is very low (>9k in 18…
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Balance Transfer Query
I have two 0% spending cards, one with Tesco and one with MBNA. The Tesco one is coming to an end in September and I've got about £3k to pay off. I was thinking to transfer it to a new card and continue paying at 0% but I just had a few questions on how it all worked. 1) Should I close down the Tesco card if I do this? 2)…
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HELP! MBNA complaint unfair treatment
I will try to keep this brief but would like to know where I stand on this… Towards the end of 2016, I had a difficult time on a personal note. I was suffering with Post-natal depression and my father then had a major heart attack over Christmas. During this time, it was really difficult to know if I was coming or going.…
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Mis-sold credit card when starting University
Hi all Am looking for some advice, support or encouragement to see if am on right lines... When I first started University back in 2003 I was given a credit card as a 'benefit' of my student account. I remember being very reluctant to take it and not really knowing what it was. But the 'seller' was very pushy and insisted…
