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How do I transfer into my account urgently?
Heya all, as there's only 40 minutes of the day I have quite an urgent query... My credit card went over the credit limit due to an error ordering something earlier today. I've tried to transfer the equivalent funds from my current account, but my credit card's app is still stating over-limit. I'm trying to avoid being…
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Minimum Spending – Credit Cart
Hello, I'm interested in building my credit score as I was hoping to get a mortgage in a few years. I live quite frugally, have a secure job and own my home. However I was htinking of getting a credit card to boost my score. Since my expenses are quite low due to my lifestyle, I was thinking about whether Credit card…
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Balance transfer interest calculation
Can some Credit Card actuary confirm the following thought process please:- Card balance comprises of three 0% transfers taken at different times. An earlier transfer has a longer 0% timing than the second. The second runs out earlier than the first, in terms of incurring interest. Therefore my repayments are paying down…
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Ok to make additional payment to CC during the month?
I realise this may be a stupid and obvious question but would prefer to double check in case I make a mistake. I automatically pay my CC every month and use the CC for the legal protection and small amount of cashback, payment is due for last month on Tuesday but I'm close to my credit limit at the moment. I'm with…
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Fluid 0% Balance Transfer Refusing to Show Limit
As the title. My other half has applied for a 0% balance transfer card with Fluid After completion of application they approve you and the say the limit will be determined after you accept and receive your card. OH for good reason doesnt want to accept a card with a limit up to 2.5k if offered just £500 for example as…
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Curve card retailer cashback
Hi all, I recently got a curve card. I’ve linked it with a credit card and was wondering if anyone has tried getting cash back at the till at retailers like Tesco, m&s etc Normally you can only get cash back with debit cards. I understand that there’s a 200£ monthly limit on ATM withdrawals but was wondering if a retailer…
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ASDA CC Mysterious Transaction
I've just received my November statement for my ASDA/Creation card and it has a transaction dated in May right in the middle of October and November spends. I only use my ASDA card at my local ASDA store and it's petrol station (it gets me 1% cashback) and it does show that store but a different wording than all the other…
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Day to day spending
I currently just have one current account. I usually withdraw some cash and also do a few debit card transactions each week. My spending is usually groceries, fuel, coffees, birthday presents, eating out. Should I carry on as I am or try to be a bit more organised? I am thinking one of the following: 1. Cash only, withdraw…
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Stick with Tesco CC or move for better Cashback?
Hi there My wife and i are longterm Tesco CC holders, with link to Clubcard Im trying to determine what benefit we actually derive in £ from having this card - and struggling! From my calcs, for approx £36k p.a spend, the £25 per yr Amex Card (1.25% over £10k) would be the best of the cash back options...deriving £412.50…
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Points on Contactless
Good Afternoon, I have been trying to find the answer to this question online but can't. When you have a credit card which awards you points for your spend, do you still received the same amount of points when you pay using contactless as you do using the standard chip & pin method? Regards, Derek
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Balance Transfer Overpayment
Hi, Firstly, apologies if this post is in the wrong place - I’m struggling to identify where this should be posted. I recently settled a credit card i had with Halifax for £3000, by doing a balance transfer to Barclays. I accidentally transferred my credit limit and not what I had actually spent on the credit card. I’m now…
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Why Can't They Tell Me How Much My Debt Will Cost?
I'm coming to the end of my 0% on my Tesco Credit Card. To help me to decide whether to try to pay off, I called them to ask how much the interest would be on the amount I have on the account now, based on the interest rate they told me in a recent email (when advising that my 0% was coming to an end - which I appreciated…
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Santander
Hi, Anyone know if Santander provides instant decision when applying for there credit card and current accounts? Thanks
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First Time Applying for Credit Card - Help?!
Kind of embarrassing to be saying this but having just turned 24, I still have no credit card so no credit score (I know, bad). Can anyone lend any advice on which credit cards to apply for, for a first time applicant? Many thanks!
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What’s happening with my pending transactions???
Hi this is my first time on here. My bank acc comes up with available funds that are significantly lower than my balance, and the pending transactions do not add up with the available balance to the total of the actual balance, what does this mean?
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Cap 1 payment
I recently made a purchase on amazon for £129.99. I used my normal debit card and there was money in there. Today I logged into my account and noticed the £130 was still in there. I checked amazon and can see that for some reason they payment wasn’t taken from my debit card so they used a back up card which was my capital…
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purchase credit card comparison
Aim to be paying card off as soon as possible. Wanting a card for booking flights and hotels in Thailand in January for a special holiday celebrating my 60th which was a couple of weeks ago. MBNA pre-approved with 20 months 0% on purchases in first '60 days'. 90% chance of Sainsbury purchase credit card with 22 months 0%…
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Curve 'all-in-one' debit card to charge 1.5% fee for HMRC payments - MSE News
'All-in-one' debit card service Curve is to close a loophole which essentially allowed customers to make payments to HMRC using a personal credit card – even though the taxman doesn't usually accept them...Read the full story: 'Curve 'all-in-one' debit card to charge 1.5% fee for HMRC payments' Click reply below to…
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MBNA Money Transfer
So I've just been approved for a Money Transfer card with mbna for £5600, literally 10 minutes ago. I've tried to complete a Money Transfer, and it's knocked me back due to eligibility checks... Like I said, I was approved for the card and credit 10 minutes ago, I have access to the app, it lets me submit the details, but…
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Paid off Barclaycard Balance Transfer
Hi All, I've paid off my balance transfer, does anyone know if they offer you another deal or are happy to just let you cancel. I've never defaulted on any payments, and was wondering what others have been offered if anything? Many thanks
