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Credit card cost
Many years ago there was something on this site which gave the cost, in money and time, of borrowing £500 on a credit card and only paying the minimum monthly payment. I want to give my grandson a bit of financial education and think this would be really useful for him to know. I remember being gobsmacked when I read it!…
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Credit Utilisation Query
Hi, I have multiple credit cards that I'm in a position to slowly start putting a dent into. I am trying to work towards lowering my credit Utilisation, as that is the only factor preventing me getting some more attractive finance options, to be able to ease the interest currently being applied. I had a query, my credit…
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Reason for Section 75?
Hi all, Looking just to understand if I can/should be looking at going down the section 75 route. I had a new front door installed in April last year and have chased them for the warrantee but they are not getting back to me, I have tried email/calling multiple times. As you may know this is required and will normally be…
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Amex Offers for Pasty Shop - Spend £10 get £10 back
Hi, Has anyone successfully completed these offers such as the Pasty Shop, Upper Crust etc and others The participating stores arent listed on the app or website So I am guessing not all of them will offer the discount Any thoughts would be great. Thanks
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Will multiple cards build credit score faster?
Hi all, Somewhat new to the world of lending and finance. I am a full time student who applied for their first credit card this time last year with Tesco and was successful, the initial limit was 200 but since then they have upped me to 1,200. Each time they approached me with the increase and I did not request it. I only…
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Closed account not really closed by Sainsbury Bank….
I took out an interest free credit card from Sainsbury as an simple way to fund a car for my son (we do not bank with Sainsbury as such) not used for anything else at all, all monthly payments aligned to interest free term….all paid and closed the card with Sainsbury….or so I thought. Several months later, my wife…
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Purchase on a balance transfer card.
A year ago I took out a TSB credit card with an offer of 27 month interest free on balance transfers. Made a purchase on my existing card and transferred it to the new one to take advantage of the 27 months interest free. So far so good. In June last year I made a significant purchase on the new card, and made a payment…
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Balance transfer credit card
Hi everyone. I have £300 on a credit card which I'm now paying interest on. Once we have completed on our house I want to pay this off and get a new no interest credit card. I'm a bit confused how this works! Do I just apply for one say a 24mnths interest free. Then transfer £300 from my new credit card to pay off the…
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Credit Card or Loan?
I'm sorry if this has been asked, had a look but couldn't find a recent answer. I need approx £3500 for a surgery that I'll have to have abroad, as due to Covid the wait list for NHS has now doubled and the Private waiting list is almost as long. It's sadly a procedure I can't wait too long to have. I've only ever borrowed…
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Advice please to let me know if this is a stupid plan to transfer a loan to 0% cc
I currently have £5617.47 left on a Tesco personal loan (3.2511%) which is due to finish in August 2024. It was originally taken out in April 2017 - £15,000 with £2032.55 interest. I made a small lump sum overpayment in 2020 which is why I only have the above balance left - I received an interest rebate of approx £170. (My…
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Spouse of lawyer can't get a credit card
I am a home-maker who owns and lives in a 750k flat in London without mortgage. My husband is a lawyer with annual income of over £200k. For over 20 years we have used joint credit cards on my husband's account but I want to ensure that I have access to my own credit card. I have run a soft credit check using the MSE tool…
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Is it worth doing a balance transfer?
I've got an outstanding balance of £3600 with MBNA at 4.99% until June 2024, I currently pay £100 fixed. I could do a balance transfer for the full amount at 0% with a fee of 2.9% until January 2024, is it worth doing? I've tried using a credit card calculator but can't figure it out! Any advice would be appreciated.
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M&S Returns service receipt
I returned 2 items to local M&S store 22.09.21 to the value of £39.50 - was given a returns service receipt and 3+ months later I am still awaiting the credit to be refunded to me. I've called and e-mailed to no avail. M&S is aware what the situation is "I've been advised there is an error on the code". I've email them…
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Amex 'One purchase of £1,200'??
Hi, I'm looking to apply for an Amex card to use on Amazon as currently use a Visa. Could you explain to me what 'you make one purchase of £1,200 at the start of the agreement' means please? Thank you!
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Credit card with good online interface
Asking for recommendations with a difference... I'm not interested in credit cards with good perks, interest rates, balance transfers etc... All I want is to find a credit card with an easy online login procedure (preferably no OTP sent by text message as the mobile signal is very poor in my house...), and capability to…
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Moved: Which CC to pay lump sum off on?
This discussion has been moved.
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Virgin Money purchase/BT promotional rates
Hi I have a Virgin Money card with the following promotional rates: Purchase 0% until 4.2.22 (balance £1600) Balance Transfer 0% until 6.2.24 (£2700) Stupidly I was thinking that I won't pay any interest on the card until Feb 2024, if I stop using the card for spending. But that can't be right can it? I had a look at the…
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Did MBNA sort the Amazon-Visa problem or...
... or did I hallucinate? Have this fast-looming problem of the Amazon-Visa blockage and anyway it was time to pay off my Christmas credit card debt. A routine and I've never needed to remember if a card is Visa or Master. Seen a list, apparently MBNA does both. Which mine? Ah, card is Visa. OK, pay now in any case. Tried…
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Amazon Platinum MasterCard with Google Pay
Can anyone confirm if the credit card works with Google Pay on Android mobile? I know there are still some cards that are not supported and this is a deal breaker for me. Thanks
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Credti card security in UK
From this link (https://www.barclays.co.uk/ways-to-bank/online-banking/online-mobile-banking-guarantee/), you can read the following: You won’t be liable for unauthorised payments made from your account after you’ve told us that a payment tool was lost, stolen or compromised. We may reverse or adjust a refund if we…
