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Vanquis
Hey, so like a few others I have a vanquis card which is now being stopped. I usually pay the full balance every month, except for a couple times I needed to spread payment over 2 months. I owe £230 which will be taken soon. My car just failed mot and needs work, costing £200-£300, but I don't have it as I have to pay…
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0% interest on credit card purchases
What does and does not qualify as a purchase during the interest free period? I've always changed to a new deal when the period expires, and had the impression that I'd pay no interest other than for a cash withdrawal. So, a purchase might include a meal, a hotel stay, etc, and not just an expensive item. Do I have this…
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Marbles card
Hello all, I applied for a marbles card approx 3 weeks ago via totally money (needed to do a balance transfer and didn’t have many other options.) checked all my details etc and was accepted. I had an email to register for my online account and tried to do this numerous times without success therefore called the phone…
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Balance transfer charges
Hello everyone I have searched the internet for the answer to this but no joy. we are moving to our first house soon and we have had to use our “spare” money to increase our deposit so this now leaves us only our wage to buy house items (all kitchen appliances). i have had a 22 month interest free on purchases hsbc credit…
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0% Purchases for 20 Months Longest Offer?
Hello everyone, My Halifax Card has recently gone past the 0% purchases offer and I'm looking for a similar card but can't seem to find anything with more than 20 months available. I may be mistaken but when I got my Halifax card I'm positive it was 36 months @ 0% purchases. Is this something that just isn't offered…
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Thinking about jumping ship from Tesco credit card - choices?
The Tesco card used to be great, collecting Clubcard points and using them to buy things from the Tesco Homeplus stores and partners; I've had iPads, Merlin passes, and other things.But they devalued the points, the Homeplus stores closed, and the partners have dwindled away, so there's not much choice left really; the…
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Best reward/cash back credit card
Just returned to the UK after a few years abroad. Whats the credit card market like now then. I use credit cards for general spending in the UK shopping, online, cars, petrol, supermarket, travel, booking holidays home and abroad - just everything really! Always settle at the end of the month. I have a Halifax Clarity for…
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What cards to pay off first?
Ive just sold my car as its not needed anymore so i have £3500 to pay off my debts. Question is what should i pay off first? 19.9% Paypal credit £5507 26.93% barclaycard £1333 20.9% Sainsburys card £2050 Do i clear the two credit cards and then use what I would usually payoff them on top of what i pay off paypal to bring…
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Credit Card companies withdrawing money from private bank accounts without authorisation - legal?
I run a small holiday business in France which has been severely affected by Covid, with most of our clients having to cancel because of fight cancellations, so beyond anyone's control. These clients all booked and took out holiday insurance before Covid restrictions were imposed. As per our Ts&Cs, because they have…
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Amex Shop Small credit not showing
I've used my BA Amex at a range of local shops recently, all advertised as being included in the shop small offer. So far, I have received £5 credit for the first transaction over £10 at one or two of these venues but I've not received it at most places Should I be concerned? If so, how best to resolve this?
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How long for Money to go back.
Just a quick question. My wife an I are OAPs and yesterday we managed to get into our local TUI shop to ask about a refund on the Deposit for a cancelled cruise. We managed to get our Deposit refunded to the NatWest Credit card that we paid it on, but it has not yet gone back into our account. We are at the 'Junior school'…
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Accepted for Balance Transfer but unable to Transfer Money
HI There! I'm recently new into the world of Balance Transfers. I have about £3200 outstanding on a Burton Menswear Credit Card, issued in 2017, with New Day LTD. Around 2 days ago I applied and received a Capital One Balance Transfer Credit Card. I phoned up Capital One and asked to do a balance transfer from that card to…
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AMEX - Upgrade to Gold
Hi everyone, Quick question from me, does anybody know if its possible to upgrade from the The American Express® Rewards Credit Card to the American Express® Preferred Rewards Gold Credit Card?Cheers!
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Balance transfer to cancelled credit card account!
Hi all, last week I accidentally requested a balance transfer off the wrong credit card account. (Entered the wrong details of credit card) The balance transfer was successful on a credit card account that is no longer open! I’m having issues with the card that is in credit being re opened to sort out the issue! Does…
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Credit card balance transfer declined
Hi everyone, I'm new here and very new in the credit cards world. I have a credit card for about 3 years now which unfortunately I left him to slip into the interest rate. I had 6500£ on it, now down to 5000£ in a few months. I've been trying to get a balance transfer card but I've been rejected. According to Experian and…
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Credit Card with £0 do I try extend the 0% or close and reopen later?
Hi all, I got a 0% credit card in September but was only offered a £800 limit for 8 months. This is now at a £0 balance from paying it off but I assume the credit interest is now over the 0%, My question is that as we are getting married next year I know I want a 0% credit card for around that time should I; 1) Close the…
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Is there a need to keep credit cards with £0 balance
Hi All, I am a credit card switcher following my divorce, and I'm paying off credit cards from before the divorce by transferring the balance to 0% transfer cards as and when the time comes. I do not spend on these cards, it is purely to pay off the balance which I am also making overpayments on. My question is, if I close…
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Replacement cards
If I get a replacement card from Sainsburys, do I keep the same pin number or will I get a new one?
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NEW DAY AMAZON CARD LATE PAYMENT
Good Morning, I was awarded an Amazon New Day Credit Card and some Vouchers. All my usual transaction with amazon have gone on my registered debit card. the transaction was only 30 pound.I did a transaction and did not realise it had gone onto my New Day card. The card was not activated and I had never set up my online…
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Not using enough of my revolving credit??
Hello, I am currently in the process of buying a new house, I have my mortgage offer and as part of the offer I needed to clear the balances of 2 of my credit cards, which I have done and have also cleared the balance on my other credit card, all good so far. I am keeping an eye on my credit files ensuring that they are…
