-
Will taking up new offer affect existing one?
Hello everyone I am coming up to the end of 0% interest on my barclaycard and still have a few grand left on there. I also have an MBNA card which is offering 0% on balance transfers until December 2020, but I do currently have a few grand left on there which was a 0% offer on money transfers, which I used to by my van.…
-
How is credit card debt paid back?
Hello, Am very new to credit cards as I have only had a debit card. My question is, when you use a credit card to fund purchases, how is the debt paid off? Do you make a bank transfer to the company which provides the credit card every month and then the debt is wiped off? How do you know how much to pay? How exactly does…
-
Can a bank/credit company close your account for making too many complaints
If a customer is seen to be submitting multiple complaints can a bank or credit company terminate the service?
-
CC in retirement query
I retired early and draw an income that covers my costs (£15k pa) from investments. I've also savings for extra expenses and holidays, etc. I want to do a lot of travelling next year and the Halifax Clarity CC seems to be the best MSE option however I'm worried that my income is so low that I'll have a much reduced spend…
-
Declaring income for credit card
What counts as income for credit cards? Would bank rewards count as income eg Barclays blue rewards? Also if you pay the credit card off in full before the end of the month do you have to pay any interest?
-
Amex Platinum - can rewards go towards yearly fee
Hi All My new job means I have to take a flight atleast once a month. I hence am looking at the lounges option as I start early and fly back late. I am also able to book the flight with amex flights if I need to. Anyway, I as wondering, does anyone know if the membership rewards can go against the £450 a year fee?…
-
when are Barclaycard statements printed?
If for example my previous stratement was dated the 22nd November with a 'pay by' 21st December and I make a purchase on the card now will it have missed the next bill?
-
Car purchase + warranty on a Credit card Section 75 claim?
Hi All I purchased a car from a dealer along with a warranty in September. Car city Ilford At the time they were persistent when I made purchase for the car to pay bank transfer which I refused and instead opted half credit card/ half debit card. to give me protection. I have been persistently chasing the dealer as the…
-
Balance transferred still getting interest charges.
Please forgive my ignorance on this but I’m trying to get on top of my finances and now I’m confused. My interest free tesco card was causing me all sorts of trouble when I hadn’t finished paying off when the term had ended. I was advised to balance transfer to a 0% interest card to continue paying it off which I have…
-
Barclay Card Existing Customer Offers
Has anyone else not received the existing customer balance transfer recently. I haven't had one in 6 months. The balance I had on the card at that time ranged from 80% to 40% of credit utilisation.
-
Charged for going over limit due to bank charge?
Hi, This is probably just wishful thinking on my part, but I've just had a charge applied to my credit card because the interest on it took me over my limit (by £1.50 - so getting charged £20 for that seems extreme). I seem to recall a while ago reading about banks being told they can't apply charges for going over your…
-
Marbles
Hi guys Got a Marbles card, confused as it says max credit limit is £1,200 but i have had a credit increase to £2000, and it says that you can increase ( when allowed) up to £2k per time confused, as i through the max was 1.2k? do these companies have unlimited limit buy say XXXX when you apply? what is the max Marbles…
-
Never had a credit card!!
Don't laugh folks .. I'm 71 and never had a credit card so am finding all the jargon and offers very confusing. About a month ago we bought some furniture from M&S and got around £1350 worth of 24 months interest free credit through a finance company. No problem .. we're just due to pay around £56 per month for 24 months.…
-
Tesco Credit Card Section 75 help
Hi, How does the card holder initiate a section 75 claim on his/her credit card? I'm on the tesco bank website and can't see that section 75 claim form to download. Can anyone forward me the link to the form or please advise on what's the procedure?
-
Cash Payment - Credit Card
Hello I want to use my Aqua Classic credit card which is at 0 per cent interest for 6 months to pay my management fee for my flat - will this count as a cash transaction or will I be able to get away with paying this bill on the 0 per cent deal? Thank you
-
Money transfer card
If I take out a money transfer credit card to clear an existing overdraft balance, can I use the rest of the available credit to do a balance transfer from another credit card? Or would i have to take out separate cards for clearing the overdraft and clearing the credit card balance? Money transfer card will likely be MBNA…
-
How long should i wait to apply for second Amex?
I got the British Airways Premium Amex card back in November so i could get the 25,000 bonus points for spending £3000 in 3 months and the 2 for 1 voucher for spending £10,000 in 12 months. Well i have spent £9700 on it so far in just over 2 months so only £300 off getting my 2 for 1, so i was thinking of getting another…
-
Sainsburys credit card cancelld, then low credit score
Hi all, i took out a sainsburys credit card, a long interest free and transfer balance card and when applying I had lots of good offers from most banks. After a few weeks I aplied for a credit transfer from my nationwide credit card but on applying sainsburys wanted proof of my address and asked me to send a nationwide…
-
No-Fee 0% Balance Transfer Card
When it is time to renew my car insurance, not only do I check comparison websites as well as the main MSE site, but I also check the websites of insurers who do not use comparison websites to see if there is a better deal for me. Now I am looking for the best no-fee 0% Balance Transfer card. The main site lists 5 card…
-
Barclaycard "Personalised amount for this month"
OK, I understand that they now send these for those classed as "persistent debt", my understanding of this is for those people who are paying more interest than capital over 18 months. I don't use the card and no new purchases are going on it, and for the past few months I have been paying the personalised amount each…