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Credit cards

Archives for December 2018

How quickly can I switch credit card?
Hi all - much appreciated if anyone has any experience of the following... Last month I made a 0% CC balance transfer (M&S Bank - 0% for 32 months). In my haste, I omitted to see that the minimum payment is 2.5% of the balance a month (I'm looking to just pay the minimum payment for the time being). I'm, therefore, pretty…
Tesco Foundation Credit Card. First Credit Card?
Hi, I am turning 18 very soon and want to start building my credit file as soon as possible, ready for any future events. I have a steady income and plan to get a credit card to buy day-to-day things that I would usually buy and then just pay the card in full each month. I will also be getting a SIM only deal as this is…
Credit Card for 18 year old
Hi everyone, My oldest daughter recently turned 18 and I thought it would be a good idea to get her to apply for a credit card in order to build up her credit rating. She has a full time job and is very good with money so I have no concerns that she would misuse it, however I wondered if there was any favourable companies…
Is it good value to redeem Amex reward points when checking out online?
When I use my Amex Rewards Credit Card to pay for items online I frequently get told that I am eligible to redeem reward points at the time of purchase. Does anyone know if this offers a better rate of return than redeeming points on Amazon vouchers for example?
Paying off a purchase on a 0% balance transfer card
Hi, I have a Tesco credit card which is 0% on balance transfers, but not interest free for purchases. I recently made a £500 purchase on the 11th November, and paid £500 back on the 12th November, as well as the minimum payment on the 16th November. I’ve been charged interest every month since and have called Tesco who…
Best 0% Transfer Cards?
I have about £7000 on credit cards which I’d prefer to transfer to one 0% card. Is this possible?
Which CC(s) to Clear With Lump Sum?
So, I've got quite a bit of Credit Card debt (thanks to business problems several years ago), and in January, a share save scheme my wife has been participating in is due to mature, and we're likely to get about £6,500 from it (crossing all sorts of fingers and toes for a huge uplift in share value during January to beat…
Transferring husband's debt to my card?
Between the two of us we've got a few credit cards that are coming to an end. Am I allowed to transfer debt on my husband's card to one in my name (different company)? Or would it need to be in his name? Thanks!
Transferring husband's debt to my card?
Between the two of us we've got a few credit cards that are coming to an end. Am I allowed to transfer debt on my husband's card to one in my name (different company)? Or would it need to be in his name? Thanks!
Confused myself with paying off CC balance.
I've got a 12 month 0% credit card with my bank. The deal ends around September 2019. Its my first credit card and when I got my first statement the deadline date fell around a bank holiday weekend. I incorrectly assumed that if I paid it manually to make sure it went out on time, the DD wouldn't also go through, which…
Transaction in Dispute & Interest
I have been told (by Virgin Money) that the transaction for which I've submitted a S75 claim will be marked as "in dispute" and that I don't need to make any payments towards it. Till 2nd of January there is a %0 interest on purchases and I was hoping the dispute will be resolved by then, but it wasn't. The current account…
Best use of balance transfer offer
I’m determined to get free of debt by next Christmas and my main focus is on paying off my Lloyds and Barclaycard credit cards as soon as I can. I’ve now been accepted for a Halifax card with 0% balance transfers for 20 months, with a generous credit limit - just what I needed! The debt I have on each of my current cards…
How Many People Have Been Refused a Chargeback from RBS or NatWest
Hi Guys I am just carrying out some research to see how many on here have been refused Please comment Thanks
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Credit Limits
Hi, Just wondering what normal credit limits are and what sort sort of amounts forum members have been offered? I understand some providers can be more liberal when dishing out... Be interesting to see if mine are on the average, high or low side ;) Merry Christmas
Amex Nectar credit card help
Struggling to understand my new Amex Nectar card. Activated my new card on the 15th Nov. Started to use it so I could claim introductory offer of spend £2000 and get 20,000 Nectar points. This I managed within the first two weeks (new kitchen) and to date, 42days later, I have accumulated just over 28,000 points on this…
A second CC for current Barclaycard customers
Barclaycard' lending policy has changed in Nov this year and now existing customers can apply for a second card again. It's been confirmed by phone that bank would be more than happy to give me a second card, if I wish. I applied and Platinum cashback card is on its way. Has anyone had similar experience with Barclaycard…
Two months ago I finally got a 2nd card. Why doesn't my credit score reflect that?
I had a low limit with Capitol for a few years. I built up my credit, and was offered a better card with double that limit. It's been two months since, I've had a balance and paid off those balances on time on both cards. My credit limit has doubled, yet my Capitol statement only reflects my limit as my old limit. My new…
M&S Contactless Credit Card
I recently received a new contactless credit card from M&S. Trouble is I don’t want a contactless card, personally I feel there is a security issue involved. I do use Apple Pay which I think is much safer. Will M&S issue a contactless card or can my current card be made contactless ? I do a lot of my small purchases via…
Limitations of Limitation Act?
Hi All I've just received a Court Order about an old CC debt of mine, and all the solicitors are off for the holidays, so I'm hoping someone stop me stewing over it. :( I'm happy to give the back-story, but to keep it brief: 1) I haven't paid it for well over 6 years, and I've let the DCA know it's beyond the statute of…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Base rate held at 4.25% – here's what it means and when it might be cut next
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Credit cards

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