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Credit card paid off immediately so I can use again?
Hi, I’ll be changing a job in January for which I’ll need a car. I secured decent rate loan to cover this. However, dealer accepts credit card so I wanted to know if I can pay as much as possible on credit card, pay it off immediately and then use again. And repeat it until full value of the car is paid. Just asking as I…
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Balance transfer query
Hello! Just wanted to see if this was possible. Say for example I had £5000 credit card debt. I’ve just transferred the max balance of £3000 to an interest free M&S balance transfer card BUT I can transfer additional balance until February. This means I have £2000 left on the original credit card. I’ve just been given £500…
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Harvey's furniture purchase on credit card
Hi, I bought a dining room and 6 chairs from Harvey's at the end of October on the understanding it would be delivered in time for Christmas. I paid in full on my Barclaycard. Despite numerous phone calls to them I have not heard back from them and it is obvious I am not going to receive my furniture. Can I get my money…
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MBNA 0% till 2020 on purchases made up to 18th October
Before I ring up (as I am at work and it's a bit difficult), I wonder if anyone could help me. I think I must have gotten confused with some terms and conditions of this credit card. It said 0% on any purchased made up to 18th October would be 0% until 2020. I duly stopped using the card on this date, but have just…
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new balance transfer card not enough - what to do
hi i have a tesco credit card. the interest free period has run out. my credit limit is £9400 i owe £5220. i applied to m&s for a balance transfer card and was given £4000 this wont cover the balance i wish to transfer. so should i ask m and s if they will increase the £4000 or apply for a new card with another provider?…
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Available credit, BT and credit limits
Some of the recent threads have had me wondering... I know most advice is that you shouldn't have a total credit limit above your annual salary, and that credit utilization shouldn't be more than 30%. But trying to understand how this works, what about this scenario (totally fictitious numbers for ease of explanation!):…
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Car insurance refund
Can someone advise on the following please? A friend of mine was in dire financial straits so I agreed to pay her car insurance for her in July using my credit card. The cost was about £450. She promised to pay it me back when she 'got straight'. She's now in work and spending money on weekends abroad with her mate, etc…
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barclaycard inconvenience payment and account closure
Recently got a letter from BC saying that because they had not treated customers fairly who were having repayment issues they were closing my account and offering me £75 as an inconvenience payments. Great news. However I have another account with them which they also treated me similarly with, causing distress: phone…
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Building Credit
So I have just recently applied for and been successful in getting a credit card. The credit limit is £500. Now my whole point in this card is to build my credit over the next few years in the hope of a mortgage application sometime in 2022. I am looking for any advice and tips on using the card. I know from Martins shows…
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Halifax Flexi Card
I have been successful in my application for a Halifax Flexi-Card. What I'm not sure about though is if I able to use it for the odd purchase here and there, or do I need to spend big on it and then pay back monthly. I would rather just use it on the odd occasion just so I can boost my credit score a little. The t&c's…
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MBNA Changing T&Cs
Just received a new T&Cs booklet from MBNA, likely bringing them into line with LBG terms, taking effect from Feb. Major changes to minimum payments and allocation of payments, the latter especially being of note if you have multiple offers running at once.
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Can we do anything...phishing and other issues
Partner found a website but another company picked uphis details. He thought he was dealing with the original company. He was putting a bit into what he thought was bitcoin. We eventually found out that they r a fraudulent company. We called up bank but they dont want to do anything even when mentioned section 75. They…
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New 0% card doesn't have high enough limit !
Hello, Currently have £10,000 on a card, with the 0% ending in April. Looked to shift it now to the Santander offer - 27 months at 0%. Got accepted, but the credit limit is £5,000. Any suggestions what I should do ? Ideally I'd like to shift the whole debt somewhere before April. Should I shift £5k to Santander now, and…
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Post Office 0% - initial credit limit too low for my needs
I successfully just applied for one of the Post Office Platinum cards with the 28 months 0%, but they have set my initial credit limit at £1,600. The main reason I was hoping to use this card is to purchase an annual rail season ticket next year at a cost of £1,957.70 rather than a monthly £188.10, as that would save me…
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Will using my credit car to buy a season ticket impact my mortgage?
Hi all, My season ticket is about to run out and I am thinking about the best way to buy my new one. I have 2 credit cards with sufficient funds to enable me to buy an annual pass outright (£1,796) and that would probably be the cheapest way to buy it as I can balance transfer it to the other one to get 0% interest for a…
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How long should it take a credit card company to update your balance?
There's been a bit of a carry on with my credit card - payments made that ended up in other peoples accounts, payments that took a month to arrive, credits when there shouldn't be, so on & so forth. I thought all was settled so i called last week some time to close the account & draw a line under it all. Turned out my card…
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Tesco credit card
I just logged on to Tesco and saw a note that there is to be a £15 minimum payment for their credit card from 5th January 2019. Also, if they need to confirm a transaction as genuine, instead of asking for digits from the password they will in future send a one-use code to the registered mobile. They suggest checking that…
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Potential Credit Card Fraud - What to do?
Hi Guys, I had a notification from AMEX today that they had flagged up fraud on my account, relating to purchases through my Apple ID. Thankfully they stopped the card immediately. I then logged in and changed my Apple ID Password but noticed another card on the account. A Mastercard. I have compared the last 4 digits of…
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How much available credit should I have?
No longer needed
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Do or Don't - Credit Card
Ok, hi guys, I'm new. I need help. On experian, I have been pre-approved for 3 different credit cards from capital one. I'm very tempted to apply for ONE to help try and improve my credit score and also in theory give me a back up for if I need to pay a sudden expense. The catch.. I have mental health issues and one can…
