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Holiday payment
We took a holiday payment from a credit card, because my husband was made redundant, now they have made it so the minimum payment is £1.600, we can’t afford to pay that!
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Daily credit card interest indication
Would anyone else feel that having a ‘daily interest calculation’ on your credit card account / app would really add value? An update based on previous 24 hours usage and balance that indicates total interest charged for the month (maybe cumulative daily?) if balance is not paid in full. they can calculate an estimated…
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Card and account number
I have a active barclaycard credit card. Which i opened in 2004. Barclaycard cant go back that far to view details about the account. How and what else can i do to get my card or account number.
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Paying part of final PCP payment on 0% credit card
My final PCP payment is due in April. I want to keep my car and pay off the final payment by some cash and some on a 0% credit card. I’ve spoken to the finance company today and they will accept part payment by CC and then the rest from my bank account. Is this possible or is there something I’m not seeing that will incur…
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Section 75 claim or home insurance
Last October I used a local bathroom supplier to purchase a complete shower and bathroom make over. I used one of his recommended installers. I pay the supplier for the items and for the installation via credit card. The fitting left a lot to be desired and now to to it off it seems that I have one or two leaks. The…
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0% and per annum ??
Hello, I need to make a purchase of 3k and want to pay it back ASAP. I have an offer of 0% fee with a 3.5% fee, but I also have an offer of 0% fee with 3.9% per annum fee- it’s thrown me a little as I’ve personally not come across that. How does it work? It gives me 36 months to repay and I (hope) that’s feasible. But when…
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Tesco Credit Card Application - Timed Out Message
Yesterday I started an application for a credit card with Tesco (my first one). Part way through the application, whilst reading one of the many supporting documents, my application page timed out. There was a note on the screen but unfortunately I accidentally closed the tab before reading it and couldn't recover it.…
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Amazon card initial limits
Nice to view I'm eligible -Amazon Credit card- new day. This is much better as I wasn't since the card was launched. 3mths 0% purchase 21.9 approx apr. Though this is only Amazon's eligibility checker, slightly tempted to apply. 20 pounds gift card-amazon. What initial Limits have been issued to successful mser's
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Credit file
I am confused about what to do my credit rating at the moment is a fair score but I would like it to be a very good score I have got a few unused credit cards can I cancel those accounts down or will it affect my credit rating as I don't want my credit to go back down as my 0% interest finishes this year and I would like…
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Cancel an unused credit card to improve credit score?
I have a credit card with a balance and one without. I'd like to get a new balance transfer card for the card with the balance ('d like to pay it off, but most of my monthly payment is just interest...). Is it better to close the card with zero balance, or keep that card, which has a decent credit limit, with no borrowing…
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Newbie query
Hi all, sorry if this is a stupid question, but I’ve not had a credit card in nearly a year, and I just wanted to see what was out there - so I tried the eligibility calculator on here and it says I’m not eligible for 2 of the top 0% credit cards despite me fitting the criteria (I thought!); M&S and Virgin Money... I…
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Virgin Credit Card App
The Virgin Credit Card App is dreadful. It crashes continuously, it is completely user unfriendly. If you want to check your finances & statements aits a mammoth task, every statement has to be downloaded. If you want to get an overview of your payments it is impossible. I want to check to see how many payments I have made…
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Which credit cards let you make small payments towards them by debit card?
I’m looking to get myself a 0% credit card for purchases to replace a Sainsbury’s one I have. Just wanted to know if anyone out there can update me on which credit cards on the market let you make small payments to them by debit card? I usually send debit card payments to my sainsbury card to meet requirements by…
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Giftcloud amazon voucher not received
Hi, I have applied and was successful for a santander credit card back in November and that was supposed to come with a £20 amazon voucher sent by giftcloud within 90 days. I have not received anything to date and the 90 days are almost up (1 week to go). Just wanted to see if there's anyone else that got this credit card…
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How much can you loan on a first 0% credit card
thinking of buying a campervan and wondering about a zero percent credit card for part of the purchase. What i can't work out is how much you are likely to be loaned. Can anyone advise how much is likely to be loaned, if i have to request at application stage, or how the max loan is worked out so i can work out before…
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120 days section 75 time limit imposed by MBNA
Hi all, Just got a question about the time limit for section 75. In some places I have read that you have 45 to 120 days to make the claim under section 75, but on the actually section there is no time limit, so it's statutory limit of 6 years. Is this correct? I booked for a holiday in January 2020 for Morocco in March…
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Credit Card Eligibility Calculator for Student
Hello, my daughter is applying for her first ever credit card. She is using the mse Credit Card Eligibility Calculator. She is a full time student on the first year of her degree course. The only income she has is from her maintenance loan. She has no other income. In the finances section of the Credit Card Eligibility…
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Upgrading Barclaycard in future.
Recently been accepted for the Barclaycard Forward credit card. I will keep this in good order with everyday expenses and paying off end of month in full, make a few big purchases then pay off within a couple of months, etc. How long do I wait to upgrade to their Barclaycard Rewards credit card? When applying for the…
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Close or keep CC?
I've just a balance transfer between credit cards to take advantage of a 0% deal and am now wondering what to do with the cleared CC. Do I close it down or keep it in the hope that I get a 0% deal from them that I can use to clear a 3rd CC? Whilst I know credit scores a mythical number, what effect on my credit rating…
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Received this letter from M&S bank today
I had my first credit card with M&S bank when I was 18 (12 years ago). Missed payments and ended up going to collections with it. That was the start of my financial troubles. I had paid off what I owed M&S bank many years ago but today I received this letter from them with a cheque attached to the amount of £50. Has…
