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Aqua 0% 9 months offer
Nice offer showing on 2nd Aqua Card -as I continue to pay down regularly to almost 1200 range. Tonight I find tempting 0% 9 months on Balance or Money Transfers (3% fee). Should I be making use of 0% whilst I pay interest on one or two other cards, or should I continue to pay down balances,
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Halifax cc balance transfer deal didn't work
Hello, just wanted to let everyone know that I used MSE to tell me the best cc balance transfer offer in February 2020 but which proved to be incorrect. The offer charged 3% upfront and was supposed to refund 2.5% within 90 days of the initial amount transferred. I went via the MSE website offer link, which took me to…
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Balance Transfer or Not
Ive worked really hard over the past 8 months at reducing my credit card debt down from near 7000 to just over 3000. We have just bought a house and the excess funds that i would be using to pay off my credit card will probably be going into getting stuff done with the house over the next 12 months, so i'll be going back…
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How to use CapitalOne credit card?
Hello! I just succeed in getting my first credit card, CapitalOne with £200 credit limit (it's their basic credit card). So on their app when setting up a direct debit you can choose how you make the payment=I choose full balance, and you have to select a day of the month 1-31 for when the payment would be made "On or…
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S75
Made my first ever s75 claim regarding a recently bought second hand car from a dealer. Decided go directly to credit card as more comfortable and appears I don't need to. Noise starts on turning ignition key. Second last for. Been told probably starter motor and some damage will be done to something. No idea!! Will the…
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Balance Transfer Jumble
Hey I'm sorry if this has already been asked - did a real quick skim but just thought I'd ask. :smile: Tesco CC has a balance of £1700 on it - it is currently at 21% APR (Only a few weeks ago) Barclaycard has a balance of £3000 on it - 0% until end of September I have just got an MBNA card for 0% for 18 months for a…
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Benefits in using credit card
Please share me the details
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Balance Transfer issues
I've let my credit card balance get a little out of hand of the past few years but I've now card the card up with a target of clearing the balance (eventually) and lowering my debts. The is the current situation: Balance: £10,728 (purchases £2387, balance transfer £8341) I have 2 issues... Issue 1 I currently pay 19.9% APR…
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S75 claim for a botched replacement engine?
Hello, I'm going to write a post with specifics of the problem in another more suitable forum, but I just have a quick question about s75. I paid £4k for a replacement used engine (plus associated new parts + labour) to be fitted to a car I am restoring with a small specialist, there were some errors in the initial install…
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Zopa credit card
Does anyone have any feelings on the zopa credit card which looks a bit like the old tandem credit card ie real-time notifications and no fees spending abroad I am tempted but would like to know if there are any downsides
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Paypal credit email address
Hi does any one have an elusive email address for PayPal credit please.
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Old debt from 2013
Lowell Solicitors contract me by letter about a debt from 2013 thats vanquis sold to them in 2019. Do i still need to pay back the debt that's over 6 years old? It has me so worried because I'm not working and what if I'm taking to court for CCJ. I don't want any bailiff knocking at my door. Please has anyone got any…
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Getting a 0% card
Hi, time has come to replace my 13yr old car. I was thinking of getting a 0% card to put a deposit on a new car, my husband will get a loan to pay the remainder and dip into our savings aswell. The aim being to pay less interest. However when I did a soft search on the elegibilty calculator for myslef , it said i had 0%…
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Consolidation & Wedding
Hello, I have lots of little owed payments out on store cards but I want to consolidate all the payments on to one card - what is the best way of doing this please? Also - I am due to get married in August 2022 and want a safety net incase we come into any difficulties along the way. What card would be best if I am trying…
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Using zero balance credit cards to main an excellent rating
My credit cards have a zero balance for the first time in 20 years! Im looking to start the mortgage process in around 18 months and my current credit score with experian is classed as excellent. My question is, what do i do with my credit cards? For more info; i have 2 cards. First with zero balance and limit of £5000 and…
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Moved: Credit card debt settle??
This discussion has been moved.
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Amex cashback problems?
After getting amex everyday card recently i'm now having problems and they refuse to help, the problem is that the cashback has frozen and new cashback in not being added to the account. Anyone else had these type of issues the company is giving no answers apart from telling me it should show up in 10 days however it was…
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credit card app pre-moving out
Morning, just a quick question on the timing of my credit card application. In exactly two weeks, I will be moving out of my current flat (moving into another on the same day). I'm thinking of applying for a certain credit card today and I'm positive that I will get accepted. My question is whether the timing of the…
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Barclaycard - Refused Payment Extension Holiday
First time poster. I've been made redundant and asked Barclaycard to extend my payment holiday. They've refused my request and told me to contact Step Change the debt charity. I think I'm being treated unfairly because it's an interest free loan that expires in April 2021, and I've never missed a payment in over 20 years.…
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can someone check my maths please?
I will have £1700 outstanding balance when my 0% BT ends. The interest rate on the card will be 21.93% I will have the £1700 paid off in 3 months. Am I right in thinking that the interest I would pay would be around £20, so it is cheaper to not transfer the remaining balance unless I can get a fee free or 1% BT deal? Thanks
