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100% pre approved balance transfer but limit is less than what I asked for?
Hi MSE I was 100% pre approved with virgin money for a 26 month 0% balance transfer which I decided to take on. After completing the application, I was told that the amount I was approved for was almost half than my balance transfer amount requested. The application has been approved and I've got the email confirming this…
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MBNA - online services reconciliation error
I can't reconcile my online MBNA statement. Before I phone them, I was wondering if anyone here knows of a general problem? It's not a big deal for me, since the error appears to be in my favour. But it's bugging me a bit. My last statement showed a balance of £391.79. I'm happy to agree that - it matches my own…
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Should I use a credit card for a larger purchase?
I have a trading 212 card and a Tesco credit card. The Tesco credit card offers 0.5% cashback on purchases and the trading 21 card currently offers 1.5% cashback on purchases. Is there any benefit of using the Tesco credit card to make a large purchase from a reputable company? For example, does it offer more insurance? I…
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Pay Credit Card Balance or Balance Transfer and keep cash in savings
I will try and keep this as short as possible. Credit Card statements balance is £3231 (summer holiday flights). I have the money available in savings however would I be better off doing a balance transfer (3.3% BT fee (£96.73)) and leaving the money in savings (Chase 4.85%)? Savings balance is currently £5210. Any advice?…
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NatWest Rewards Credit Card
Hi Thinking of getting the NatWest Travel Rewards Credit Card for my holiday spending and extra cashback as I spend a bit on holidays. I already have the original reward credit card and my question is will there be any issue with earning rewards on two credit cards on MyRewards Cashback site?
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Cashback Credit Card For Son
Hi, My 23 year old son has just started his grad job and will be taking home around £2K per month. He's living with us and has no debt or other credit card balances to pay off. He has a Santander credit card that he setup during his 1 year student industrial placement but is looking at switching to a card that has some…
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Purchase protection
My wife has a Santander credit card account for which I have a second card. Santander have told us that purchases made on my second card are not protected under Section 75. Is this the case for all or other credit cards? Thanks
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Barclaycard times?
Hi there, 6 weeks ago i applied for the Barclay forward card and was given the message ‘ We need to check a few things before we can confirm your eligibility’ Since then I've not had a single call or letter. Then i applied for the Avios card and this was 3 weeks ago still i haven’t heard anything back. Has anyone else had…
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Credit Card not taking full payment
I have set up to pay my credit card "IN FULL" as Martin always advises but I have noticed there is still quite a large balance after taking my monthly direct debit (I have signed up to take the full balance every month). I know it can take a few days for things to clear and I know things can show as pending but that isn't…
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Just Re-Mortgaged 7 days ago - good time to apply?
I got a credit card that charges me every year for perks I don't use. I got the first year free but in October, I'll get charged for £200 odd. The company have a free version that I'd like to apply for. I just completed a re-mortgage about 7 days ago. Is now a good time?
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What card should I pay down first?
Hi, I am after some advice on how best to allocate some money to my current credit cards. I have around £12,000 to pay down my balances and I'm trying to work out the best way to do that. Below are the details of my current cards (all on 0% balance transfer deals). NatWest Virgin Halifax Balance £9,055 £9,330 £9,800 Limit…
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Have I been accepted for CapitalOne or getting my hopes up?
I just yesterday signed up for a Capital One Classic Balance Transfer Card after being preapproved through clearscore, I have very little credit history aside from phone payments and a small overdraft and some Klarna PI3 payments, I have been denied quite regularly on soft searches for most credit cards so was super…
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Pre approved on clearscore
Hi First up, I know pre approved generally doesn't guarantee anything, from a personal point though I've found before that being pre approved on there got me when I needed at the time Looking for a balance transfer card, the eligibility checker for a NatWest card on MSE said 0%, Clearscore said pre approved. If I go…
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Question about longstanding credit card charges and illness
Hi all, I joined to ask this, so apologies if I'm asking in the wrong place. I recently obtained an NHS diagnosis of ADHD on top of a longstanding diagnosis of Depression and various physical ailments I live in Scotland. . It's a "whole of life" diagnosis, which means I've been affected since childhood. I'm mentally well…
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Credit cards and your bank details
Long, long time since I had a credit card. But thinking of getting one just for online purchases instead of using a debit card. Not interested in any transfers etc etc. Bit confused. If you intend to pay back each month everything you have spent that month (not just the minimum etc), do you need to give the credit company…
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Cancelled flight - chargeback unsuccessful
This discussion was created from comments split from: NOW OPEN: Ask An Expert: Travel & Holiday Deals.
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Will both making and returning purchases improve credit score?
For context I use a debit card. If I make a purchase, will this improve credit score, and if I return the purchase, will this also improve credit score? Thank you.
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Barclaycard refund
Hello, I have read some other information on MSE regarding Barclaycard and refunds from payment plans, back in 2022. I had a Barclaycard, when I was made redundent back in 2014, I spoke to them, they came up with a repayment plan, after some months I got a job and continued paying. The card was paid off a few years ago.…
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Barclaycard - Minimum payment reduction.
On applying for a new balance transfer B/card the minimum monthly repayment is currently quoted at 3.75%. I know there is a planned reduction to 1% due to take effect from 22nd July and that existing cardholders received emails in April(?) notifying them of the reduction. I phoned their C/Services this morning to confirm…
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Recommend a credit card for a non-UK citizen
My friend on a work visa ( two years initially with possibility to extend) has found herself a little flat she can afford and she is so happy but she then realised she has NO furniture or white goods and will need to buy everything to furnish it She is VERY good with budgeting and a 0% credit card would be fine for her,…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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19.1K comments
Most recent: Lloyds 0% overdraft by pecunianonolet
9 December at 4:32PM