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Consolidate/pay off debt
Hello. I’m after some advice regarding my car loan and credit card debt please? I have £11,000 left to pay off my car, which I’m currently paying at £500 a month, but also I have a credit card debt of £2500 at 0% until October. I have savings of around £7,000. I have the option of paying my car off early, so I’m thinking…
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Cc payment order, again…
Just checking… when the cc terms say it the balance with the higher interest rate will be paid first, the take a 0% as 0% (so pay it last), not the rate it will be when the promotion has ended?
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Sending cash to family via PayPal with HSBC credit card - treated as cash advance?
I have various payment methods linked to my PP account. Just sending a payment to my son via Friends and Family and I can use my HSBC 0% credit card with no fee charged by PP. But does HSBC count this as a cash advance?
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Barclaycard and PayPal - cash or purchase
Hi all Does anyone have experience of sending money to friends and family via paypal from a credit card - and whether it was treated as a purchase, or as a "Cash" transaction? if the latter, would it be a one time cash advance fee, or would there be monthly interest ? I have a new 0% purchase and 0% BT card, no money…
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Credit card advice?
Hi. Looking for some advice please. I’m having an extension built starting shortly. I’m in the lucky position that I have the cash ready, due to inheritance. And for the build I need to make weekly payments of circa £6k. How is the best way to pay this and get some benefits back?? Thanks in advance for your advice
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Santander Edge debit card, using abroad. Help.
I have just come back from Spain and used my Santander Edge DEBIT card to withdraw 50 Euros. I was led to believe this would have no fees and give me a good rate. I got this advice from this website and Santanders website. I withdrew the money and was charged £46.32 which is a terrible rate of 1.07. At the bottom of the…
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Barclaycard Cashback Rewards
I have a Barclaycard platinum visa card and I'm trying to work out if is it's worth joining the cashback scheme. Does anyone know the full list of retailers who participate? The only one of the logos they show that I might use is Morrisons and I'm not sure if it refers to the supermarket part. I think there's 0.25%…
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Credit scores v credit cards
Hi, I have watched Martin Lewis talk about this on TV.
The more he talks about it, the more I am confused. I tried to improve my score
by getting and using a credit card. I had problems getting a new mobile phone
from a different provider and operator. They did not know me so turned it down. I have now got a £200 credit…
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Not eligible for a 0% Credit Card?
Good afternoon, My current 0% Credit Card (Purchases) with Barclaycard is about to end within the next 6 months. Im in a position where my balance is almost paid off. I thought i would take the opportunity to apply for another long term 0% Card as per the recommendations on MSE. I have filled out the eligibility form on…
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Vanquis help
Has anyone had their Vanquis card suspended for security reasons?? Mine has been blocked since Wednesday 11th June after my first use! I made one payment and tried to make another and it declined. Called them and they said my account was blocked for security and someone would call back within 5-7 working days. Looking at…
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Balance Transfer card and Money Transfer from existing loan question
Hi, thanks for letting me use this board. I am a little confused. I recently took out a Virgin credit card with 0% on balance transfers until Feb 2027, which is the offer I used to move a roughly £2,000 credit card balance. I also have an offer for 0% on money transfers on the same card, until 12 May 2026, and I am…
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Is this worth it Stoozing
I have an offer from Barclaycard 2.9% balance transfer (which i can get as money through using the Halifax Clarity as a mule) this offer is for one year. I have a large credit limit with Barclaycard (around 10k) With interest rates generally reducing. I could only expect to earn £450 maximum if i can get and keep 4.5% for…
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Best Credit Card for Rewards
What is the best credit card in terms of value of rewards? Appreciate it all may depend on what you are after, but technically, in terms of pure value, what is the best credit card for the rewards you would receive?
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First Credit Card at 31
Hello, I am 31 years old and have never had a credit card. In the next 2 or 3 years, I would like to buy a house, so I believe it would be a good idea to get a credit card to build my credit in time for that. My plan is to get a credit card and use it for everyday spending and always pay it off in full. I have always been…
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Odd refund behaviour on PayPal credit
I've made two purchases with paypal credit, the first larger one using their introductory 0% over 4 months offer, then a second smaller one that gave me the option of 0% apr over 24 months, in fixed installments. I was planning to pay the minimum on my first statement, then pay off in full on the second - incurring 0 in…
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Opinon on using Money Transfer
Hello all, I want to ask for opinions on whether it is a good idea. At it stands, I got a loan of £9,220.56 with MBNA at 8.90% (Paying £196.99 per month for the next remaining 57 months). However, Barclaycard is offering me up to £10k in money transfer with 4.5% fees and 0% interest on this balance until 1 February 2027…
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APP Fraud Santander Edge credit card
Just fyi, I was impacted by an APP fraud on my Santander Edge Credit card and they wouldn't pay out. They said I had made the payment so they could not do anything. I have repoted to action fraud (who just tell me to be more careful) and the Ombudsman who I'm unsure of yet, but I can post here if I get a positive response.…
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Virgin Money Credit Card - No online access without app
Well, finally I lost the use of the app on 5th June, when the requirement changed to Android 9. Went to website only to find there is no access using web browser at all. The only option, now, seems to be by telephone, and that takes quite a while to get through security and all the option menus. This is the only financial…
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Unsure if I should increase credit limit
The bits I think are important: - Hoping to get a mortgage at some point this year (though it looks like most places are above my comfortable price so unsure if this really will happen) - Monzo are offering me an increased Flex limit of £3550 (with a deadline of 27 June) so it's not like I'm asking for more credit? Current…
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Current Account / Credit Card Application
Which banks won’t credit score you for a credit card if you already hold a current account with them 👍
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.3K comments
Most recent: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
