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Is there a best time to pay off credit card?
Hi all. Recently got my first credit card to help build my credit history/score in preparations for buying a first house. I’m just wondering does paying the bill before my statement comes make any difference?, either positive or negative. And vice versa if I wait till the statement comes and then pay it does it make any…
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Virgin Money Credit Card
Almost coming to the end of a 0% interest free period for purchases. Does anyone know if VM will offer another deal or should I phone to see if there is a new offer. I know I can go elsewhere but been happy with them and have a decent limit with them.
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Capital One message
I have a DD to monthly pay off my Capital One card, today I received a text message saying they delayed taking the DD. I’m assuming that because it is their error they could not charge interest for a late payment and that is why they texted me? Did other people have the same problem?
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If my credit card is declined...
am I entitled to receive a copy of the confirmation / receipt that it was declined? It was a card payment over the phone. It's a long story, but I need to prove that they entered incorrect details (as my bank have confirmed)
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Balance transfer to family member and back again.
Hi I'm in a situation where I have 3k on an mbna card and they are offering me 0% apr on balance transfers. As my current apr is 22%, I'd like to transfer the 3k to a willing family members Capital One card then back to mine whilst paying the fees but then getting the benefit of 0% apr for 18 months. I've tried getting…
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Balance transfer question
I currently have two credit cards, a Sainsburys one with 26 months left of interest free and a Tesco one which the interest free has ended. I would like to transfer my Tesco balance to the Sainsburys one, i know that the balance transfer will not be interest free, but the APR are the same on both cards, so I would like my…
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Aqua Credit Card
Hi I was just wondering do Aqua ever offer ongoing balance transfer deals, I know Lloyds, MBNA etc from time to time give you offers on Balance transfer etc? I basically applied for 0% (6 months) Aqua Card, however they didn't get that to me, I accepted the card with no promotion and just used it and paying off in full…
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Unable to reduce credit card limit? Refused by bank
I recently did a balance transfer and then tried to reduce the limit on the credit card I transferred some of the balance from. I just got an email from Natwest saying: Is this normal? I probably have a bad rating due to having lots of debt (but no missed payments) but I was trying to reduce the limit. Do they do a whole…
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Credit Card Payment Frequency - Advise
Hi all, I have taken out a low credit, credit card as I have low credit and want to improve my score. My plan is to buy my online weekly shop on the card and pay it off in full. My question is about the frequency of payments. I get paid weekly so would like to pay the card off in full each week on payday, the week after I…
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Aqua card Query
Hi all, first post so please be gentle. A few years back I opened an account with Aqua, my credit limit was increased to £2700 and the balance had remained around that figure for a long while. Silly me. I have been focusing on paying this card for some time now and, having taking a 2nd job, been making weekly payments…
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Is there a way to use AmEx to buy foreign currency?
Hi all Recently got my AmEx through and was looking to buy some euros for a holiday comming up. But I'm sure buying foreign currency incurs a 3% fee as it would be the same as withdrawing from a cash point? I've linked my AmEx to PayPal and I am aware I can buy vouchers in store. Is there any way I can buy foreign currency…
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Best pre paid money card
Hi can anyone help me please. I am after getting a Pre paid Payment vis type card so i cant top up a card to use as a payment card in the UK. I want to use the card for online payment purchases. but im so confused with all the ones out there. I want no hidden costs ie monthy fees and as cheap as posssible to buy. its hard…
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Use credit card to pay for half of flight?
I want to purchase a flight ticket, I have more than half the money saved and was thinking about using my credit card and withdrawing £250 out a ATM and putting that into my main bank account. I would like to know do you incur changes straight away from the cash withdrawal or do the charges go on at end of month with…
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MBNA is killing me @ 29.9% pa
I need to get this sorted, after doing a deep analysis of 2018 home accounts, I've discovered I've paid £2700 in interest last year. The card amount for the year started off at £12,600, and it's ended at £9,090. The card's used for fuel, food shopping, and similar things. It's a struggle to get the amount down, and I feel…
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Moving from Santander to Santander CC
HI I do all my banking with Santander, Mortgage, currents account, Credit card etc. I want to be able to take advantage of the 0% balance transfer on CC they are offering but cannot with as I am a current CC customer. There has to be a work around for this, does anyone have an answer? If I take a different card with a…
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Paying off a loan using my credit card?
This has probably been asked a few times before, I have searched but not seemed to find anything. I currently have a loan outstanding (Small amount of around £370). I have also recently had a credit card, the most I have used over 2 months on this card is £112. Now is it possible for me to pay off said loan using my credit…
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Pledgemusic CC refund
I paid for a pledge for a product made by The Stranglers back in March 2018, the fulfilment date was September 2018, date has now been changed to April 2019, the amount was just under £60 and paid for with a Natwest Mastercard. The band have informed every 'pledger' that no goods will be fulfilled via pledgemusic as they…
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Age limit for credit cards
Credit card eligibility criteria states that you must be 18 years+ to apply. Are there any providers that have an age limit? There are some mortgage / loans that have age limits but I'm not sure if this exists for credit cards?
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Which is the best credit card? First time owning a credit card
I've never owned one so don't know what to look for. My focus is on making money and so I'm less bothered by service etc. E.g. With a normal current/debit account I focus on high interest and switch incentives (they pay well). So all my attention is on actually maximising how much I make and then less important things to…
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Experian Score
My first mortgage account went live today on Experian. My fake score stopped by 50 points. Just shows how ridiculous it is. I’m sure having a mortgage will look favourable to lenders? Just shows why it needs to be ignored. On the other hand Noddle score increased by about 35 points. :rotfl::rotfl:
