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Money then balance transfer
I need to get £6k in the next week or so. I could go down the personal loan route, but I've got an offer on my MBNA card (limit £10k, no balance currently) for 0% with a 4% fee or 3.6% with no fee. Is there anything to stop me doing the 3.6% transfer and then immediately doing a balance transfer to a new 0% card which has…
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Barclaycard Cashback
I have Barclaycard Cashback account is it worth changing it to their reward account? Dose anyone else have Barclaycard Cashback will it be changed automatically to their reward account? Also have Barclaycard updated their CC Designs?
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What information gives the eligibility checker their percentage of acceptance?
Ok - so just as an idle thought I wondered what my chances are of getting the zero fee for BTs Sainsbury card that's mentioned on this week's MSE email. I put in my name, address, my income, household income, amount paid monthly for mortgage. Result came back as zero. I'm not surprised or particularly bothered by this as I…
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Keeping unused Credit Card vs Cancelling
I have 3 credit cards with a combined limit of 31,400...... As of today, my combined balance is ZERO. One of the cards (with an 11,400 limit) I do use regularly for general purchases and typically pay off all of the balance every month. Typically has no more than 500 pound on it at any given time. The second (limit 12,000)…
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Minimum payment
Hi I've recently seen a request for a minimum payment of £18 on my husbands credit card with Cashplus- can anyone work out what the balance is likely to be? I think the APR is 29.94%
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new cc
Hi, newbie here . I've had the same credit card for over 30 years (MBNA Platinum Mastercard). A couple of months ago , MBNA changed some security settings, since then I have had nothing but problems trying to login online. Most times I end up, waiting 5-15 mins for a human agent to give me credit card purchases etc.…
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Barclaycard Forward card for existing Barclays customer
Hello, I am unemployed on benefits due to long term illness. I have opened a Barclays current account. I will move funds from my Natwest account to my new Barclays current account. I will move the following into my new Barclays current account and Barclays savings account: Current account £2000 balance with £1200 going in…
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Irresponsible lending on default account
Please can anyone advise if they have successfully had a claim for irresponsible lending from a credit card that is now in default and has been passed to another company. Would the refund be paid off this first or would this all come to myself because the debt / default has been passed to another company. The reason i ask…
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Am I covered on s75?
Bought car online using wife's barclaycard. May have to return car as faulty. If dealer plays ducks and drake's does s75 cover me? Car in my name. Barclaycard wife's.
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Dependants?
Hello I want to apply for a credit card. I am a "homemaker" so myself a dependant also have children. Since I'm putting in the husbands income too ontop of benefits my name is against how many dependents if any do I put?
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Student applying for credit card - is student loan classed as annual income?
Our son is a second year student paramedic, and wanting to begin building a credit history so that when he applies for a mortgage the spade work will have been done, he's planning to buy a property in 2 to 3 years after graduation if at all possible. We have talked about him having a credit card, and he fully understands…
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Does my bank have to honour an offer made to me by their advisor even if in error?
I called my bank to explain I was having difficulties making repayments to a credit card now that the card has come out of the 0% interest rate period. The first advisor I spoke to, clearly stated that I could get 3 holiday payments running consecutively but I would need to call a separate department to get it authorised.…
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Does anybody know a CC that will accept a balance transfer from JAJA?
Hi - I opened an HSBC balance transfer cc intending to transfer the balance from my JAJA cc. However, they have refused to accept this as JAJA are apparently part of the HSBC group. I have just found an old thread that uses the old Post Office cc details (before it transferred to JAJA) so I've tried to do that and am…
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Money Transfer and loan
I've currently got a loan with 4% Apr currently owing £2150 I'd I pay off in full including charges. Would it be cheaper for me to get a 0% money transfer card and pay the 3% fee to pay off the loan to Dave on paying the interest on the outstanding loan
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Santander credit card. NO Amazon voucher received
I applied and received a Santander credit card via MSE link, enticed by the offer of a free £40 Amazon voucher. I've had no voucher or communication to explain how to claim the voucher. I've even contacted Santander who say it's not their problem as the promotion was via MSE! Has anybody had a similar experience and, if…
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First time credit card
Looking at getting a first time credit card purely for emergencies/times when paycheck doesn't last the entire month and wanted to know 2 things: * If I was to not use the card at all would I still be charged? Or is it dependent on the credit card? * If I was to not use the card would this have a negative impact on my…
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Sainsbury’s credit card
Hi i have signed up for Sainsbury’s credit card and linked it to our necta card. The issue I have is there is no way of checking the additional points have been allocated. I have messaged both Sainsbury Bank and necta without a reasonable reply. Does anyone here know how to check you’ve been allocated the correct points?…
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Section 75 - Purchases over £30k
Hi, hoping someone can help clarify the S75 rules for us! We've been stung before with a company taking a large deposit and then going out of business, but successfully recovered all our costs via our credit card under S75. We're now planning some building work and have been quoted £26k exc VAT and so we want to make sure…
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Going abroad and informing bank
Ive always got in touch with my credit/debit card provider to inform them i will be going abroad and the card would be used in xyz countries between given dates. Ive just tried to do this with both Halifax and Nationwide and both have given an automated reply that there is no need to do this anymore,but will stop any…
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Paying off Interest free credit cards
Hi, Just a question once I pay off my credit card is it worth keeping it. I have a few - I know its good to show you can handle credit for your credit score but does it make a difference having a few open- good or bad?
