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Holiday Inn refund
Hi, just asking to see if anyone else has been through this procedure and found it safe. I have been offered a refund for problems with a booking using a Holiday Inn. The reservation was made after a transfer from the reception at the HI concerned to Central Reservations, I thought it was the Holiday Inn I was talking to.…
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Halifax Bank and Nationwide BS exchange rates!
The Halifax Clarity Card exchange rate for cash withdrawals and purchases was 1.173€ to £. Better than I expected. At the same time I used my Nationwide credit card, this is their exchange rate! 02 Dec 2019ARCADE 5.60EUROPEAN M at 1.16666666. Fortyfoot
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Barclaycard interest query
I have a fairly hefty balance on my Barclaycard at a 0 % promotional rate. Am I right by thinking (or interpreting the summary box) that I can still use the card for purchases, and these purchases will be 0 % as long as my minumum payment I make in the following month covers the total amount of purchases?
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Paying off catalogues with 0%interest free credit card
Hi I’m wondering if I can pay off two catalogues simply be and very. They total approx £4500. I’m looking to apply to get the mbna 26 month 0% interest credit card which is a transfer and purchase card. If this is possible would it be classed as a purchase so wouldn’t attract charges?? I’ve applied for a larger loan…
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How to find the best credit card signup bonuses?
Lots of cards sometimes have exclusive sign up bonuses or whatever but I never really know how to find them without searching manually. I'm looking to get a new card in January as I'm going to be making a fairly large purchase and would like to get a semi decent sign up bonus by meeting the minimum spend.
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I just got my first charge card (Amex Gold). Since I have to pay it in full, does it matter if I pay
I know it's better to wait for a statement to post before paying off a card so it reflects in your utilization rate on your credit score. But since this is a charge card and doesn't reflect utilization rate, does it matter if I wait for the statement to post before paying it off, or can I make the smaller, more frequent…
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Credit limit
Hi guys, i was looking for some advice as i applied for a amex platinum cashback card and was accepted immediately they gave me a credit limit of £8,000(more than my other 2 cards which are around £500). Will this negatively impact my score if i only spend like 5-10% on the amex each month and pay of in full? Thanks in…
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Littlewoods & applying for buy now pay later
Not sure where to post this as it's to do with buying a laptop on Littlewoods website on Buy Now Pay Later, but I noticed when Googling that someone from a few years back had posted a question about buying from Littlewoods on this part of the forum, so hopefully ok. I need to buy a new laptop as mine is running so slow…
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Got a new Credit Card - I am Livid
Hi folks, So i have poor credit history which i am trying to rebuild. I got two cards last month - AQUA and Amazon which will hopefully help. I logged onto Clearscore and recieved a 100% approval for a 118 credit card. I applied and was accepted straight away. Card is in the post and no problems I just had a quick look on…
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Problem paying with several different cards
Warning: I purchased many items for a bathroom renovation from one shop. I paid for the total bill using 3 different credit cards, paying about £500 on each. I am having problems with a faulty tap costing £190 but it is not actually itemised on one specific credit card. If I needed to claim under Section 75, from which…
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Halifax has increased interest rates
Hi my very old Halifax MasterCard (15 years +) has just increased my interest rate from 10.20% to 19.2% my balance is always paid in full each month. I only use it for the .25% cash back. If I was to close the account now would i receive the cash back now. It is normally paid in May. Thanks
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Refund on card I have already paid off
I recently had to cancel a trip and have had the money I paid for the hotel refunded to my card. I paid this card off so now have a surplus c £1000 on it. I don't want to spend it, but I'm aware this balance impacts my credit agreement (sure I read this on here) will they automatically send this to me or do I need to call…
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Applying for 0% card before a remortgage
Hi all. We're looking to remortgage in April. I have a card with Barclays that I'm easily and happily reducing every month by considerable amounts however, the Credit Club from here has told me I'm 100% likely to be accepted for a Virgin Money balance Transfer card at 0% for 29 months. Is it worth the risk of going for…
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Is this a good idea and am I missing something?
Hi, I am a problem gambler and although I had been able to keep it under control and sort out all of my finances and repay my debts I recently had a lapse as I started to mix with the wrong sort of people and ignored my triggers... As a result of this I am now in £4k of debt with Nationwide which was only costing me £16…
