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Barclaycard Rewards Routine
Hi, I have a credit limit of £25k and a balance of £7500 on 0% from a BT that expires in Feb 2023. Am I right in thinking if I spend £1k a month on the same card, I need to clear this £1k every month for it to continue to give me 0% on this £7500. The £1k is classed as my standard balance? Thanks,
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Juggling too many cards
I have 4 credit cards. Virgin 12k Tesco 13k Sainsburys 8k First direct 7.5k They have all been taken out over time to use 0% offers except first direct as I find this the easiest to use as its my bank. I owe nothing on them but have no 0% purchase offers available on them. I am pre approved for 0% purchase offers on other…
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Balance Transfer with no outstanding balance
Hi All, I've searched but can't seem to find an answer What would happen if I did a balance transfer from a new card to an old card........ but the old card has no outstanding balance. Thanks
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Paying a credit card with another cc
Hi everyone. If I used a family members credit card for a purchase. Can I use my own credit card to pay it off? Or will I be charged? Background- complete on our first home on the 4th. Need to purchase some things ready for when we get in. I've read it's best to avoid any credit card spending in case of a another credit…
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Credit history issues for older married women
We are of the older generation. All accounts have been in joint name, banks, mortgage and so on. Some like credit cards and utilities only allowed one name. In our case mine. We have recently come across relatives whose circumstances have changed (not financially) but have wanted to get a credit card in their own name,…
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Vendor not refunding my money
I placed an online order to buy a product from a website on 2nd May 2021 ( yes, last year)via my credit card for an amount of £476. They clearly mentioned that the tentative delivery date would be June or July and they kept us in loop whenever there was a delay. However they didnt deliver the product due to shipment and…
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118 Money - Payment due date changed
I have a 118 Money Credit card, never missed a payment, and have kept the account in good standing. They've emailed yesterday to say they're changing the payment due date from the 1st, and pulling it back 3 days to the 28th. I, like a lot of people am paid the last working day of the month so this kinda screws me a bit.…
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Assistance with card 0% offer
I want to move £4500 to a new card with a 0% offer. It has given me two options... 0% over 18 months with a 3,5% fee or 3.9% p.a over 36 months with a 0% fee What would be the best option to go for? Minimum payment is 2.5% of the balance which for the 18 months would be 116.50 a month to begin with, but im not…
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CPA - card expired...never told...
So Continuous Payment Authority set up on a card [for topping up my account for paying 'road tolls']. CPA is with the tolling company. They also hold my email detailson my account and their App. All is good, until out of the blue I get multiple fines for not paying tolls. Card has expired on the CPA. So my query is - there…
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Does anyone know which banks accept AMEX BA Premium Plus for a balance transfer
Hi all. I'm struggling a bit as looking to apply for a balance transfer card. Some, such as Santander do not accept AMEX for balance transfers. Others it's a bit tricky, such as Santander who I was looking at who mention 'You can only complete a balance transfer from an American Express card that is underwritten by a UK…
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Amex early direct debits
Hi I'm fed up having to set up my Amex payment manually every month. Just because they want to take the direct debit a week before the payment date, or even earlier if you want to pay in full every month. For example, my payment is due on the 28th. To set up a minimum or fixed amount payment dd, payment would be taken on…
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Section 75 refund claim
I paid a large deposit for a new bathroom, but the company concerned has gone into liquidation. I paid the deposit using 2 different credit cards and my bank debit card. Do I claim a 'section 75' refund from both credit card companies for their share of the money? And will 1 or both of them also pay for the bank debit card…
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If a DMP is not legally-binding, can the creditor terminate it with immediate effect?
Hello, first post on here not too sure what the policy is on how much information I’m allowed to share with you. I’m in the unfortunate position of having an arranged DMP with my creditor. The card on the account has expired and with the DMP in place I’m unable to use the account. But I’ve been treated poorly and after…
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Sends Lloyds a replacement debit card when prior one was not used for a longer time?
I have not used my debit card from Lloyds and didn't do any transactions (in generall I didn't use that account) for 1.5 years before it expired. Did they send me most likely a replacement card? I'm living since years abroad and don't know who lives at my old address. Unfortunately I couldn't find any helpful information,…
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Lloyds Bank Credit Card Inconsistent Contactless
Recently I got a new Lloyds Bank Mastercard and contactless doesn't always work. I end up having to enter a pin even though the payment is below £30. Thing is, my Barclaycard Visa works perfectly on the same device. I tested it at a few retailers who got a bit annoyed with the Lloyds Bank card failing on contactless. Has…
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Money Transfer query
I recently took out the Virgin Money CC as mentioned on the subscriber email, 35 Month 0% on Balance Transfers and Im looking at a cash transfer to clear some Paypal Credit and consolidate all on to one card, (especially as the minimum payment is 1%, which helps me get my head above water) Im a little confused about the…
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Persistent debt
I have been paying off a large amount on credit cards following separation from my long term partner. I have not missed any payments but as I was making minimum payments I was being persued to make persistent debt arrangements. Most of them are having no interest added abd I am just paying them off. I kept my Barclaycard…
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Credit Card Confusion
Hello, I am wondering if someone can explain credit cards and interest rates for me.. I have a credit card with £2618 owing on it.. now i factored £50 per month payments on it which i have been paying. Now the banks interest is £20 which goes back onto the amount so essentially i am paying £30pm The credit card i have…
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First (and only) late credit card payment
Hi all my husband has just realised he’s missed his credit card payment (first time ever) by a week. He’s now paid it but is having kittens and basically saying it is the end of the world. I can’t see clear guidance online about what this actually means in terms of his credit rating. Besides from setting up a direct debit…
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Enforcing aps to keep your credit card
I am concerned that credit card companies are now saying I need an ap in order to use them as they seem to be getting rid of online check ins. I only have an old mobile phone given to me by my granddaughter which is fine at the moment but soon I will need an ap which my phone does not do. I can't afford a smart phone…
