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Paying ‘ballon’ payment on pcp car with 0 pc cred card?
Good evening I am to pay off the final payment for my car soon I wondered if it is advisable/sensible or even possible to use a 0 per cent credit card for such a thing? The pcp finance is through Santander, and the card i am thinking of getting is a marks and spencer card ad mention on Martin Lewises newsletter. Thankiy
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Paypal Credit 'card' or account number?
Hello everyone. I have a balance on PPC (PayPal Credit) that I wish to transfer to my Barclaycard. When I try to initiate this on the Barclaycard app, it asks for the 'card number'. Now, as we know, PPC isn't a traditional credit card so no idea what to put here. If I download a PPC statement there is a 16 digit account…
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Credit Card Balance Transfer - when?
Hi I have around £18k credit card debt left which is currently on interest free until this time next year . I need to shift this debt onto other interest free balance transfer cards and keep paying it off . However , I have just been accepted for a mortgage in principle and I am hiding this from my parents who are about to…
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American Express Airport Lounges
Ive just applied for an Amex gold card. All accepted and on its way. This gives me four free airport lounge visits. In sept we head to vancouver, so I'm hoping to use the card to get into T5 lounge. I have an additional card for my wife. Im assuming that doesn't mean she will also get four free visits? So my question is,…
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Santander Credit card
I have just done an eligibility check for Santander credit card through the app. It came up pre approved after I have inputted all my details. Has anyone been declined after putting through the application? Thanks
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Does anyone actually use Curve Fronted, is it worth it anymore? Thinking of paying car finance off?
I dont actually have the curve card, but contemplating it for paying off car finance with 0% card? Maybe buying premium bonds with it and then cashing it back into bank account?
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How to optimise CC spend
Hi all, I’m doing quite a lot of uk at the moment which I’m putting on my credit card and clearing every month. It’s got me thinking about if there’s anything I could be doing by way of cash back cards or Avios(?) or any other scheme to benefit in some way. I’m spending about £600 on fuel and £500 on (non chain) hotels (I…
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Why cant i get a travel credit card?
Hi all. I have recently used the eligibility credit card calculator to try and apply for a travel credit card to use for an upcoming holiday. Alas the calculator said i have 0% chance of getting a travel credit card. My credit report is great on Experian and Equifax and i currently have 2 credit cards that i use as normal…
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Capital One - Recurring Payment Authority (RPA) not showing on their app.
I wanted to know if any RPA's existed on my Capital One CC but despite them saying I could manage this via their Mobile App I can see no facility for showing these future charges neither on their app or website. Ref: How to Stop Automatic Payments | Capital One There is a reference to the subscription manager tool though I…
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Zable - Can't stop repayments?
Does anyone else here use Zable? I've been struggling to pay off my debts and last month made the difficult decision to let everything default because I just can't afford to pay anything at the moment. I cancelled all my direct debits but my Zable card, which is MOBILE APP only, won't let me delete/stop payments. Payments…
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Samsung Pay+/Curve suspended
The new curve card is NOT a debit card, and it does NOT offer fronted. Does any other service offer an all in one debit card that can be used to pay hmrc etc with a credit card using "fronted"
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Credit cards
Is anyone else having problems with the Virgin Money Credit card app? I can’t get on and it’s been 3 days now and the information coming from Virgin is nil!
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Onmo credit card pre-approved
I checked my credit report apps yesterday, TotallyMoney being the first one and saw that I was 100% pre-approved for an Onmo credit card at £500 credit limit. I decided to check their website as I hadn't heard of them before and did an eligibility check on there. It came back approved for £500 credit limit and bought up…
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Amex points --> Miles & More
I am wondering whether there is a way to get Miles & More (Lufthansa) miles via a UK credit card nowadays. I saw that one can transfer Amex points into Singapore airlines miles, but I am not sure they can be converted to Miles & More afterwards. All UK credit cards seems to be stuck with Avios. But maybe there is still a…
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Denied Credit Card
I did an eligibility checker for a credit card (which I only want to build my awful 219/1000 credit score) with Santander. It said they can't offer me a credit card. I'm 32. I own my £360k house with no mortgage. Paid £240k for it - £75k deposit and paid off £165k in 5 years with my wife Never missed a payment on anything,…
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why won’t anyone lend us money for debt consolidation with £300,000 equity?!
so, we own our home with no mortgage. both aged 51, house value around 300,000 we both work full time with a combined income of 75,000 before tax, 3 dependants (13, 16 year old twins) we’re stuck in a cycle with mounting credit card debts/ overdraft (started when i was on maternity and snowballed) the monthly payments are…
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Does this mean Ive been accepted and will get a credit card?
Sorry to sound dumb, but does this mean I have been approved? I signed up via the link on here when I put my details in to check eligibility and was approved with only Virgin, which I'm surprised about, as I have a poor credit score. Abit surprised I got approved still, Is this just a pre-approval before another check?
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Defaults and CCA Agreements
Hi everyone, just joined here and looking for some advice. in 2019 I incurred some defaults on credit cards. I have been making minimal payments every month to the debt collection agencies. I checked my credit file today and notice the defaults are now not showing. I read soemwhere about requesting the CCA's from the debt…
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Balance transfer
Evening, I have a 9 month balance transfer offer from Vanquis. Took this and went to transfer a balance. Looked like this was successful but now it won’t me do any more and it was only £669 when my available limit is £2,000. I wanted to transfer at least one more balance from another card. It would only be £400. Do you…
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Barclaycard Rewards and Overseas
Hi, Just received my Barclaycard Rewards card based on the recommendations on this website: - No fees on spending or ATM withdrawals overseas - No interest on cash withdrawals if paid IN FULL - 0.25% cashback on most spending I'm trying to get my head around what I'll be charged if I use it abroad and I will be settling…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Stoozing first time queries by ZeroSum
6 December at 4:07PM
