-
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…
-
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…
-
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…
-
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.…
-
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…
-
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…
-
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 👍
-
Transferring Zable to barclaycard
Hi. I just got a new Barclaycard transfer balances from Zable and Vanquis. I’ve done the Vanquis one but the person on the phone said they do not accept transfer from Zable that was the main reason really as the interest is so high. Is there any way around this? Or just need to focus on making larger payments I noticed…
-
Asda Money/Jaja finance and/or fraud check advice?
Has anyone had any fraud issues with this provider? I've had an Asda Money credit card for just under a year. All going fine until a couple of weeks ago when it was declined. I assumed it might have been something to do with paying using my phone and not having the card on me but when I tried another day using the card it…
-
Balance transfer cc - how to work out monthly payment
Hi all . Hope all are good 😊 I am looking at transferring a cc balance to a n othe. I have done Martin's check & have been pre approved for 4 cc. Before I choose which one my Q is - at what stage will I know what the minimum monthly payment would be ? And how it is worked out? Haven't done this for a while , from memory…
-
Using credit card to buy used car (and pay back using savings)
We have a bit of money set aside for our children, but need to buy a car now. We could pay cash for one, but my idea was to get a 0% credit card to buy the car, so we keep earning interest on the savings. The trouble is, we've never had a credit card before (aged 50) and all Tesco would lend us was <£5k. This is a bit…
-
Very basic credit card terminology question
Hi all, I am new here and really struggle with understanding financial terminology, so would appreciate some 'credit cards for dummies' help if possible! I am applying for my first ever credit card and they are asking if I want the repayment amount to be either A. a minimum amount, B. the full amount, or C. a fixed amount.…
-
Help! Chargeback issue with Lloyds
Hello everyone! I purchased a beauty lamp on eBay in February using my credit card. Around 2 months later it had stopped working. I contacted the company through eBay and was asked to send videos etc of it not working which I did, I was then totally ignored. I contacted Lloyds to discuss a chargeback, the said I needed to…
-
HSBC balance transfer offer query
Hi, i was wondering if anyone has experience with HSBC's balance transfer offers. They have offered me a 12 month interest free offer that expires at the end of the month and although i could use it, it would be more beneficial next month. However i don't know if the offer will renew or change or what? Also when they made…
-
I'm clearly not 'getting' the Barclaycard fees abroad thing.
So I Googled & was under the impression the Barclaycard card didn't charge you anything (so long as you paid off in full). There was another site I was reading but I'll link the MSE site to the…
-
Monzo Flex Card
I opened this when i opened a new Monzo account to compliment the starling and Halifax clarity card for usage abroad as it doesn't load onto the Mastercard wholesale rate unlike the clarity card However paying it seems such a faff! I dont understand why i cant pay it by DD or manual bank transfer from my building society…
-
Allocation of payments on 0%
Can anyone advise me from their own experience how NatWest and Lloyds allocate payments where you have two (or more) 0% balances with differing expiry dates? I have existing 0% balances on these cards, with further 0% offers, but the T&Cs only state payments are allocated to balances in order of percentage, but with no…
-
Expensive travel card!
Following an MSE recommendation I got a Halifax Clarity credit card for travelling to the USA. Big mistake. When I tried to use it they insisted on validating the purchase by sending me a code number to input. But I don't have a US roaming deal - £6 a day is too expensive and I use WhatsApp instead. But Halifax don't.…
-
Zable and missing refunds.
Some weeks ago I had a refund back to my zable card but had paid off my card before it was known to be a refund. My card balance never went to a positive and I don't see any auto payment back to my bank or bank card I have been using to pay the zable card off. Worse, I also do not see the trasaction. out and back on my…
-
Do I still need to report a transaction that failed to clear pending?
Yesterday an Amazon purchase that definitely wasn't me showed up as pending. This morning all pending transactions have processed and it is gone. The card is frozen for now but is it worth reporting and replacing the card or are there ways this can happen by mistake?
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
