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Balance transferring more than you owe
Hi guys quick question. I’ve set a balance transfer from a new card to clear my Barclaycard. Problem is I’ve totalled it up wrong (added pending transactions to balance doh!) and I’m sending £400 more than The balance left on card. What happens?
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Sainsbury's Bank Credit Card - New Customer
Hello I had a Sainsbury's Credit Card about 18 months ago, which I cancelled when I transferred the balance to a new card. I heard once that you become a 'New Customer' again after a certain amount of time. Anybody know how long this is, so I can take advantage of a 0% Interest Offer?
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Help please! Made a mistake setting DD amount
Hi, I’m hoping someone can help. My husband and I have £8000 debt which we have recently transferred to Barclaycard 0%. The first DD is due out in 2 days, and we have just realised that the amount is set to full statement amount. We thought we had set it to £400 per month but we have obviously made a mistake. Cannot get…
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Getting through to Barclaycard on the phone
Hi, I managed to lock my online Barclaycard account and whenever I go through the process to get the 8 digit code and reset passwords etc it comes up with a message saying 'sorry there was a problem and we were unable to process your request due to a system error...' So when I try to give them a call, enter card details…
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Payment due for deposit on new kitchen
I have paid by credit card a deposit on our new kitchen. If the company supplying the kitchen goes out of business due to the coronavirus before supplying and fitting the kitchen - where do I stand with regard to getting the money back from the credit card company.
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Prepaid weirdness.
Hi, Just wondering if anyone's had a prepaid card with firstpremierprepaid.co.uk? I've just got one, activated but you can't login to the account. They say it's an error that they working on but beginning to have doubts about it all.
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3 Month Holiday for Credit Card Payments
After reading today that we could take a holiday from credit card payments if experiencing difficulty in meeting the repayments currently, I called Sainsburys credit card to organise. They are offering a 90 day holiday but according to the gentleman I spoke to he said on the fourth month all four months payments would…
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Barclaycard Interest during Payment Holiday
Hi all, I can see this has been touched on, but I was hoping to reach out to see if anyone has had similar discussions with them. I am close to my credit limit on my card, I have applied for a payment holiday and understand I will need to pay interest. I could take the hit on my balance for the interest for about one…
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Transfer balance to same provider?
Can someone please clear this up as have read conflicting advice. as a rule can you transfer from one card provider to the same? Eg MasterCard to MasterCard. or does it depend on the supplier of the card itself eg. Tsb. Ive always assumed you couldn’t but could only switch visa to MasterCard etc etc. thanks.
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Do you get more offers from Amex if you have more cards?
The offers that show up in the app (i.e. £50 off £400 spend at Google)? Would I get more offers with another Amex card? I'm sure I've seen people say this before, but since they all use the same account, I'm not sure?
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Balance transfer
I have a balance transfer card with a small amount to pay off. Will be paid this month. Can I add on additional spending on it. E.g pay off holiday with it without being penalised. I still have 12 months left on the agreement without being charged a high apr. Thanks in advance
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What to do with lies from staff at Baclaycard
In February I had a bit of a spend on bits for a house refurb in March. I never run up high bills and always pay them off. My 30th of March bill was 2.2k. But then on the 23rd of March, we were told it's a lockdown. I am a self-employed driving instructor and obviously can't work. Knowing what was going on, on the 21st of…
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Balance Transfer Rates
I am looking to transfer a balance to my Tesco Credit Card. I note they have just hugely changed their terms for me from a 2.99% fee to a 3.99% fee and pulled the interest free period altogether. I have no arrears and no adverse credit file entries. Anyone else experiencing the same? Is this to pay for all those (unlike…
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Section 75, Interest Payments and Minimum Payments
Hi Folks, I've finally been able to speak to someone within a credit card company about making a claim under Section 75 of the Consumer Credit Act. The card is owned by NewDay and is a Mastercard supplied through Laura Ashley - the story around their administration is pretty well known and I made a single large purchase…
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Credit Card transfer payout as above my limit from refund
I've been refunded for a holiday on my credit card and I don't want it sitting on it as credit above my credit limit. Can I ask Santander to send me the money to my current account?
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Covid-19 Payment Holidays
Hi All. Hoping you can provide some advice/guidance. I currently have 6 credit cards that I am carrying a balance on. The monthly minimum payments for all 6 comes to roughly £650 and I also make an overpayment of roughly £300pm - I’m using the snowball method, so this goes to the card with the lowest balance until it’s…
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Vanquis - Covid payment freeze - Details
Just came across this in case it's of any use to anyone https://www.vanquis.co.uk/coronavirus/credit-card If you’ve been affected by coronavirus you may be able to use a Vanquis payment freeze and won’t need to make your usual payments for up to three months. If you’ve missed your most recent payment because you’ve been…
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What is the current best credit card for international spending?
Halifax Clarity?
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Credit Card Accounts - credit score
Hi all, I need some advice, I had a poor credit rating and over the last few years I have managed to build an excellent credit history. I started with a capital one credit card... shocking interest, then I was offered a Tesco credit card, it made sense I got extra points a slightly better rate etc . I opened an amazon…
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Decrease credit limit?
I have an existing credit card with credit limit approx £9300, (which i pay off in full each month). I also have a personal loan with approx £6000 outstanding, never missed a payment, credit rating is good. I want to apply for a 0% money transfer card and hoping to get a credit limit offer as high as possible (already…
