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Barclaycard reduced credit limit past outstanding balance.
Evening all, was wondering if anyone else has experienced a similar situation. Like lots of people I got a letter from Barclaycard saying they were reducing my limit to £1000 (from £7100) and then one month later would close account due to the fact I’d not used it for several months - I have good credit rating and no…
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Barclaycard Credit Card Scam
Good afternoon,I felt this would be a good place to enquire about this, any advice would be welcomed. To give you some info on the issue I faced. I settled and closed a Barclaycard Credit card in August 2019. I received a text a few weeks ago, advising that I was in line for a refund. This message seemed completely out of…
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Tymit - Cannot Transfer Balance
I’ve recently gotten a 0% balance transfer credit card from MBNA. After attempting to balance transfer to my Tymit Credit Card, I was informed they cannot do it because the Tymit Card flags you as a debit card and not a credit card. Does anyone have any advise on what I can do about this?
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Amazon or Tesco Credit Card?
I have a Tesco credit card and an Amazon Platinum credit card and have to make a £2,000 purchase. Which of the two will give me the most "cashback" value in points? p.s. I applied for an American Express card and was rejected so all I have are these two.
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PRA Group / Barclaycard debt overpayment - please help!
Hello all, I took out a Barclaycard credit card about 6 or 7 years ago and I stupidly messed up with the repayments due to poor financial situation at the time. I was honest with Barclaycard and we set up a monthly repayment plan of £10 per month in 2015. It was a £1200 debt with a bit of interest, but they froze it for me…
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Do Nationwide offer 'good' existing customer BTs?
I have a Nationwide Member card that I got in February it currently has a 0% balance. Just wanted to know if they offer 'good' existing customer BTs. I am able to transfer a balance but the offer is 2.4% fee at the standard APR. Do they offer 0% BTs for existing customers?
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Amex and reward card spends
Hi all, I recently got an Amex reward card and need to spend a little more on it before the end of November in order to receive an extra reward. Am I able to purchase gift vouchers for shops for gifts (Christmas presents!) and this go towards my spends? Didn’t know if this was something they excluded. Many thanks
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CANCELLED CREDIT CARD REFUND
Hello We have had a credit card stolen whilst abroad in Greece. We cancelled the card straight away but we had a pre auth of €280 from Enterprise rent a car as a deposit. The car has been returned and they advise the money will be released within 10 days. But since the card has been cancelled where will this money go? It…
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Balance transfer, with existing balance
Hi, I have a 0% BT that is due to end in April, I've been offered another 0% deal on the same card until next October. My question is if I do another BT to this card with available credit will it affect the previous one? Thanks in advance
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ADVICE - Balance transfer option
Hey all I have two cards and the balance is around 50% on the main one. The second one is almost clear. Currently paying interest and minimum payments in excess of £150, but my second card will allow me to absorb all or most of the balance here under a zero interest promo. Doing so though would max it out, with the minimum…
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Barclaycard "A quick look at your Direct Debit" email
Hi All Just got this email from Barclaycard telling me how much my statement is and when a payment is due. I've been receiving them along with SMS messages for sometime. I've never asked for these Alerts. On Barclaycard site I've disabled all alerts. I rang Barclaycard and they said it was new regulations making them do…
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Stirling CC post brexit
We have lived in Spain for 17 years, however, our pensions are all paid into a UK bank. Today we received an email from Barclaycard informing us that they can no longer provide us with a CC after October. Any advise will be greatly appreciated as we need a Stirling CC. Thank you
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Credit card for mortgage
I am 28 and start studying my 4 year degree this year. I live with my partner who works full time, and has just started progressing his chosen career. We have a 2 year old and another one on the way. We currently live in a private rental property, that we know we will quickly grow out of. Neither of us have had a credit…
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Post office and AA credit cards being transferred to JaJa
You will get a new card in the post apparently
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Martin Lewis money show last night
"£1000 balance on card, pay off £999... interest is paid on £1000" IS that really true??
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Credit cards/ Mortgage
I have Capital One and Barclay Card credit card which a pay in full every month. I've had the Capital One card about 4 years and the Barclay Card about 2 years. I opened both to improve my credit score (and it has!). I've now saved enough money for a deposit on a house (first time buyer). My question is, should i cancel my…
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Cancelling Cards with Balance Outstanding - Affect on Credit Rating
Long story short I owe £40k on cards. Good rating currently but am thinking about cancelling all but one with balances to stop me from using them. Will this affect my rating? I’m not willing to do anything that will affect my rating. Also will it affect the interest rate - most are 0%? Thanks.
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Card Eligibility Discrepancy
Having never had a credit card (due to it always being instilled in me that credit cards = you appear "bad" with money), I'm gathering some info on how best to build my credit history with one. I used Clearscore's eligibility checker which returned a handful of pre-approved cards. I then used MSE Credit Club's eligibility…
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Does having a credit card repayment plan affect credit score
Hello We are trying to remortgage to clear all our debt and we have been refused. I have a credit card repayment plan and they think this could be the problem? What does anyone else think?
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Better to pay off credit card or save
So I've just got my first credit card and would appreciate some tips on the best way to spend and pay it off. One thing I would like to know is if it is better to pay off the full balance as soon as it's payable on the account, wait a few days/weeks then pay it in full, pay it off in installments or just make the minimum…
