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Help with 6.1% loan onto 0% credit card
I took out a loan with M&S bank 2 years ago (opened on 21 May 16 over 72 months) for £12,000, at 6.3% APR. I currently pay back £200 per month. (dont know outstanding balance off top of my head) I've been offered a 0% BT credit card from Lloyds (who i bank with) for 32 months at 1.4% transfer fee, is it worth me applying…
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Best way to pay off my credit card
Hello All, I apologize in advance as i'm sure this comes up all the time, but I cant seem to find a thread that answers my circumstance. I currently have a credit card with around 4600 remaining on it. I am paying the minimum payment each month and will take me approx 31 years to pay off. So the question is this, whats the…
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Vanquis....balance transfer in
Did I read somewhere on this forum recently that vanquis don’t accept balance transfers, or that people where having trouble with this.. What were the reasons and outcomes. Many thanks
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Santander Standing Order Questions
Alright Guys, Quick one; 1) On the Santander Standing Order page payment day is literally just the date in single day digit format? so 4th of the month just put 4 ? 2) Do Santander process Standing Orders on the weekends ? Ta
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Best credit card for emergency use
Hi All Looking for some advice, can some body tell me what the best credit card would be to have for sort of emergency use only. I have money in the bank and im paying several bills mortgage etc all fine. I’ve never had a credit card before and would like to have one for any type of unpredictable situation for some…
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Can you transfer Credit Card debt to another person?
First post on this forum so hope this is in the right place. A family member of mine has a few thousand pounds on their credit cards (they have 2), and they pay off just above the minimum on each card every month - with most of these re-payments going towards the interest on the cards (which are high!). This means they are…
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Best ways to pay USD online?
I often buy services in USD, mainly through Paypal and always note the shocking exchange rate they offer. Always a huge discount to current exchange rates. I have a Barclaycard and a load of other cards too that I sometimes use. I recently got a WeSwap credit card which seems pretty competitive, but a bit of pain having to…
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Over credit limit
Hi everyone, This morning I paid off my credit card balance so that I could use it to purchase something. However, I have logged onto my account and it's saying I have gone over my credit limit. The balance payment went through successfully but isn't showing up in my account but the purchase payment is. I'm only over the…
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MSE News: Virgin Money temporarily removes three credit card ranges
Virgin Money has temporarily stopped offering three of its credit card ranges due to "significant demand"...Read the full story: 'Virgin Money temporarily removes three credit card ranges' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Best credit card for air miles
As the title - advice please :-) (This is probably in the wrong place: every time I tried to start a new post in the credit card forum it defaulted to this area, so I’m a bit stuck....)
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Paying off a loan with a balance transfer card
Hi I took out a loan earlier this year with QuickQuid. There is an outstanding balance of approx £200. I'm not, in any way, struggling to pay off this loan, but I'd like to get smarter with my money and pay off this loan. I'm just wondering do most lenders accept a balance transfer 0% credit card to pay it off?
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Best credit card for a student
Hi, currently a university student! I would like some advice on the best credit card deals which are more ideal to a student please. I have a part time job, live away from home so have to pay rent and have a student account with Halifax, and normal account with barclays. Im a bit confused on the apr and 0% deals etc so…
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Barclaycard changing their minimum payments
Anyone else had a letter from Barclaycard changing their minimum monthly payments from the Sep statement ?
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Purchase Card - Credit Limit
Hi All, I am hoping to make the purchase of a new car via a purchasing credit card. I have a very very good credit limit but appreciate with this type of card that the limit will be capped somewhat. Does anybody mind sharing what limit they have been given for this type of card?
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Virgin Card - Fee to transfer AWAY
Hello all, I have a Virgin Money card which I subscribed to in early 2017 transferring a balance onto the card. It's now nearing it's promo expiry in October and after simply paying a set fee off for 20 odd months, I understand I am charged an BALANCE TRANSFER FEE AWAY. I'm not one to quibble but given I've got a bit of…
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Apply for loan or 0% CC first? I need both
Dear All, I need around £17-20k now because I quite literally need to fix my roof while the sun shines! I have a tax refund coming in 3 months for about 10k because of years of overpayment (yippee). The other £7-10k I can tighten my belt over a year or 18 months and pay it off. I am thinking I can take a loan for £10k (to…
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Payzone Northants Help
Hi I've been trying to find a payzone near me that does the Pre paid credit cards but its hard work, some listed on their site search aren't even a Payzone and others do not do these cards, please can someone help me with specific outlets that offer this service if at all possible, thank you
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Balance transfer twice from the same card?
Good Evening all, I have just been accepted for a MBNA balance transfer card with 0% interest until Feb 2021. This is excellent news for me as it has allowed me to transfer my £2500 balance with Aqua and set up a direct debit with MBNA and start to knock off this balance faster instead of paying £70+ a month interest. The…
