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The Old Verify By VISA
Some time ago (years?) one used to have to put in a pwd when that box came up when doing an online transaction. Now it comes up but does it automatically. It does this now when I purchase something. I keep my pwds in a file and am wondering if I can delete that stuff as now it either acts as just written or a OTP occurs. I…
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Which balance transfer deal?
Hello people, Looking for some advice. Been offered two deals on a balance transfer of £3800 (current card 23.66%) First is 0% for 20 months - fee 3.5%Second 3.9% for 36months fee 0% Which is better option? I’m currently snowballing debt repayments so likely to be minimum repayments on this until repayed other parts.…
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Any cards that are really worth it these days?
I've been using credit cards for a few years now. My economy is good enough that I don't really need to borrow, but it's been nice to get cashback and long 0% periods on purchases.It's time to renew, and what I see on offer doesn't really feel worth the time investment. The top 0% card is only 20 months, so I'd have to…
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Refund to closed credit card
I’ve been refunded for a concert that’s been cancelled onto a barclaycard I closed over a year ago. They’ve said that the refund will bounce straight back to ticketmaster but ticketmaster are saying that barclaycard will be holding the funds and that they cannot claim the refund back or refund me on a different card. Has…
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Moved: Debt options
This discussion has been moved.
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Using purchases and balance transfers on same card
Hi All Want some advice on new credit card got coming my from Halifax Basically been approved and accepted for £3500 credit limit with fee paid and now have 23 months 0% BT and 9 months 0% purchases Wondered if anyone could confirm my potential usage of this card I have up to £1700 want to balance transfer and £1500 want…
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Credit cards
Hi there people can you advise I just looked on my credit rating appeared has a credit card of £3700 from 15 years ago it states on my credit rating as a missed payment November 2020I haven’t been in touch with the bank since 2005 what can I do about this can they throw this at me and what hope do they expect to getting…
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Refund
Hi i wonder if anyone could advise I purchased 2 beds from argos totalling £400 I paid for them with my natwest credit card within 6 months the beds have practically fallen apart argos have not been helpful at all can I claim through my credit card thanks
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Payments...how does this work?
Hey, I've had a credit card with 0% purchase for three months and 0% for transfers for 18 months. The 3 months ran out October but I forgot and paid for a new mattress in the CC. Long story short, if I pay off the amount paid for the mattress before the month is out will this pay this off and I won't be charged interest?…
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Credit cards - keeping active with ZERO balance? Balance transfers
Hi All, I have a couple of CCs and I have just sold my car so want to use the funds from that to pay off some of the debt and one option I have is to pay my 2x CCs off (1 balance is approx 3.5k and the other is around 3k) My Lloyds CC has a credit limit of 8k and my Tesco CC has a credit limit 4K. If I was to have these…
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Aquacard hell
I have for over two weeks been trying to pay aqua card, but cannot log in. Apparently they now want a one time password, something that never used to be and I could login fine. I don't uses telephones, and they are insisting on my using telephones to fix a telephone that is now so old the number does not even work. I have…
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Aqua pushing up their cash advance fee
Of course the general wisdom is that you never take cash off a credit card - especially as the fees can be downright silly - but Aqua have just emailed to say their cash advance fee is going up to 5 percent with a minimum £4 fee. So if you have an Aqua card do your best to avoid cash or cash like transactions. Many card…
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Newday credit account.
Evening all, I have an Aqua card provided by Newday which I've had for 6 months now. I've looked at getting a few things on Ao. Com with their credit account, but it's with Newday also. I've seen on their website you cannot have more than one card with them is this correct?
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Credit Card Eligibility
Hi, I would like to improve my credit card eligibility. My credit reports are excellent (just been offered increased limit by Nationwide) apart from high credit card utilisation due to stoozing. Credit Karma suggest I should lower my total credit utilisation from 37% to 25%. Interestingly it has a green line at 25% for…
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Cash withdrawals on Barclaycard
From the first time I ever had a credit card it has been a golden rule not to withdraw cash, because interest starts being charged straightaway, and is charged even if the balance is paid off in full every month. I have just been notified by Barclaycard that from 26 January 2021 cash withdrawals will be processed in the…
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Capital One approved then declined
I was “approved” for a Capital One credit card; received an email to tell me my card was on its way, direct debit set up etc. I then was told that my application was declined. The reason I applied was because it said I was 100% approved. I now have a hard search on my credit file for a card I am not eligible for…
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Credit card action
I just want to thank all who replied to my Virgin issues post. I have sent Virgin a request to continue the account online and for paper statements. Although I agree with the statements about technology, I just feel that it should work for us, not the other way round. Virgin are only taking this action because it suits…
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Sainsburys Bank not accepting HSBC CC for Balance Transfer
Hi all, Recently applied for a Sainsburys credit card for the purpose of doing an 18 month balance transfer at 0%. However, turns out they don't accept my credit card (standard issue rewards CC from HSBC). Therefore I need to go hunting again for another decent deal, is there a way of checking if a lender/provider accepts…
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Paying off balance
I recently upgraded my phone through Apple and purchased on my credit card , Payment is due on 28th dec as Usual I will pay it off in full , but as I traded in my old phone Apple have just refunded the trade in cost back to my credit card ... so here is my worry if I pay the balance I will be £280 in credit if I pay it…
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Money Transfer Eligibility
I'm pretty new to the idea of using a money transfer as I have spent the last 18 months or so planning on getting a personal loan for a car purchase, just to see the interest rate fluctuate between 11-14% for a £7500 loan, which is higher than I'm willing to pay. So I've waited and saved so that I'm now looking at…
