Credit cards

Archives for June 2019

Creation Credit Cards: Changes afoot?
I don't know if anyone else has noticed but Creation pulled their own brand credit cards a few days ago from their website (though you can still apply if you know the link to the right page!) Their Everyday card had always been slightly overlooked as a travel card compared to the alternatives. I wonder what changes they…
Advice on 0% needed
Hi I cant decide what to do. I have a store card with £1226 on it. Currently paying the minimum every month and interest is costing me £23 a month. Should I go for a 0% for 9 months I've been offered and just pay it off?
Balance transfer - Did I make a mistake?
Hello guys Aqua Classic: £2250 limit £1301 balance Paying £300 onto it tomorrow. Saw on MSE Credit club an 80% chance of getting a virgin balance transfer card with 0% for 24 months, so went through to the virgin site and did soft check on which i got declined...They reccomended Capital one, so I went through the soft…
Weird Response From MBNA
Having not used our MBNA card for quite a while (been trying to reduce the debt). We recently had a hefty bill to pay, and just in case we had a problem, we tried to remember our pin number but failed :( . Luckily we coped without having to call on MBNA. So online we requested another pin number - my husband and I have a…
MBNA Confused how interest is calculated
Hi :wave: I'm easily confused :p , but I'm trying to work out the best way to keep interest payments down. We've got an MBNA credit card where we owe around £4k. This month we've got £1,400 to pay part of the amount off. The date for payment is around the 10th of the month. We can pay off £1,000 on the 4th July, with the…
When 0% ends
I have a 0% rate coming to end on 1st September, when will I get charged interest, will it be at the next statement so end sept, looks like i get a statement begining of the month withna paydays of 28th of the month. If i pay the balance before the next statement/payment due date will I not be charged any interest? So in…
Argos
I have an account with Argos, and generally pay more than minimum monthly,but have recieved a letter saying i am in debt because i only pay the minimum amount, which as i said i dont, although it's not a huge amount more, I am furious, why say pay a minimum amount if now i am classed as being in debt, [ i owe around £400 ]…
Which card should I put my 2k on?
I am terrible with working out my finances and would love some advice! I have just paid for a much needed holiday and put 6k on a card that I had just paid off. I think we're still paying it off with around 18% interest. I have another card with £3k on it and am again paying around 17% interest. I have £2k to immediately…
Using Amex via 3rd party (Apple Pay/Paypal etc.)
Hi all, So I'm currently in the process of shifting as many of my payments over to my Amex cashback card as possible, I've come across a few that unfortunately don't accept Amex but I'm wondering if the following potential workarounds are possible: 1) Using PayPal with my primary card set to my Amex card instead of…
Help working out what to do with my credit cards
Hello! I hope you are well. I'm really hoping you might be able to help, and I hope this is the right place to post! I wasn't very good with money until about 10 months ago, and now I am fully in control and aware of my spending. I currently have 3 credit cards & I would like to know what is best to do for my credit score…
Which credit card?
Please dont jump on me for this post, just feeling a little overwhelmed :) As I posted on the credit file board, I'm currently saving to buy a home in around 12 months. I'm currently living with family so I have no utilities in my name. I've moved current accounts to get a switch bonus and opened another for 5% interest…
NA 0% Cards on Credit Club
I have a 893/999 score and I have V good affordability in loans/CC according to the credit club... However, I only see 2 cards under 0% cards - Barclay Card 10-60% and MBNA N/A Why is it so low?
Post office and AA branded cards
Just had this email, looks like an interesting development and hopefully should improve the application process, in 2020. You may have been wondering about the radio silence from Jaja. A lot has been going on behind the scenes which, for confidentiality reasons, we’ve not been able to tell you about. Until now… We have…
Aqua Credit Card
Good afternoon, I’m just after some advice regarding my Aqua Credit Card, I have a balance on £2100 on it, last month (June) my minimum payment was £82 I paid £100. This month my minimum payment is £87. I thought if I was paying over the minimum then I would have to pay less the next time? Also the interest on my account…
Credit Card for Self-Employed (< 2 years)
Second time writing this as the Preview Button doesn't work! I recently applied online for a credit card in Yorkshire Bank (Clydesdale Bank / National Australia Bank in disguise). I realise they're likely not the best in terms of offers by the way, but it was for simplicity's sake. It said it could not automatically make a…
Halifax Clarity Card - Overseas Withdrawals
Hi, I have seen similar threads on this but not answering the exact question I have been wondering. I have a Halifax Clarity credit card, which I have been using in the UK for a few months for small purchases and have been paying off in full each month. I am going abroad soon and where I will be staying near to an ATM that…
Credit card
Hi I have a Halifax credit card normally I would pay off in full by direct debit . But I'm not able to this due to not enough work , the payment is due on 18 July for £697 What is the best solution ?
Nationwide Beware
Hi all, Just wanted to share my experiences with Nationwide and their Select Credit Card - I've had a little search for previous threads but no luck. To give context I have been with them for 18 years and have had no problems until now.. Last week I was on holiday and unfortunately I lost my wallet so I gave them a ring…
ApplePay and Credit Cards
Hi, I’ve been a long time user of the moneysavingexpert website, but just joined the forum. I have a question for you. I like to use my phone using ApplePay. I did get an Amex card for the cashback, but, not many places take Amex, and even less take it using contactless, making my ApplePay redundant. So, I’m looking to…
Cap one -reduce balance over 2 rather than 3 years
Interesting as I've left my cap 1card just above min whilst I try and tackle other cards. 1119 balance -approx 52 per month. E-mail today with the consistent debt statement -I've been charged more interest when compared to payments . I had used the tool either this or previous year increased DD to 52 pounds > approx 3…

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Find HIDDEN supermarket discounts in the ‘world foods’ section – up to 80% off herbs, spices, tinned goods & more
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