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Credit card limit increase
So I have a Vanquis credit card with a limit of 3k it's my longest credit card had for like 7 years no balance use every now and then pay off in full. I've have a few cards on 0% all with payments being made to clear in full in time before my offer ends apart from one card will have maybe around 1k left on it this cards 0%…
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NatWest Rewards Credit Card
I'm just checking I'm not missing something here as this got 'offered' to me recently and seems a great deal but I don't see it mentioned anywhere. The blurb: "Reward credit card * Earn 1% back in Rewards on supermarket spend (0.25% at their petrol stations and everywhere else) * Get between 1-15% back at selected…
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Chased for credit debts after long period of time over 6yrs
hi i have recently been contacted by a collections company for a credit debt that was from 2006. i thought that it was not possible after so long. i have not had a CCJ for the debt and need to know if they can legally still chase or inforce this?
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0% confusion
I did a balance transfer on 0%. I transferred around £1000 and paid the fee. I also had three months interest free purchases. I purchased something for £500 inside that three months. In the next month I paid off more than £500. I have regularly been making well beyond the minimum payments monthly and extra payments as and…
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Do i use my credit card (mastercard) to pay the deposit for a used car from a garage
Hi I am about to purchase a used car from a known garage (not dealership) and considering paying the £500 deposit on my credit card (mastercard) and remaining amount in transferable funds. by doing this do i get consumer protection? will i be eligible to a refund if i was to take the vehicle to a trusted garage for a once…
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Balance transfer card
Hi I got an email from mse about a long balance transfer card offer. My husband and I have a barclay card which is is our main focus at the moment to pay off as it is a money transfer balance and alsp we have 5k on an hsbc card. Barlcaycard is due to end in June so need to get that paid off and hsbc 0 percent ends in…
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M & S credit card - Club Rewards Vouchers
I’ve had an M&S card since October 24 and joined Club Rewards at the same time. I’ve only had my welcome pack vouchers which expired 31/01/2025. M&S Bank have not been able to tell me when I will get my next vouchers or where I can view vouchers sent digitally (which I signed up for). Can anyone on here advise me?
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Lots of payments needed to be made whilst abroad
Hello I'm travelling to the Republic of Ireland in a few months to carry out some flying training for 6 weeks, each day I will need to make quite big payments (Around £1000 a day) obviously the local currency is Euros, is there a cheaper way for me to make these payments as I can imagine the fees & charges on these amounts…
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Effect of salary sacrifice and end-of-year tax code changes on credit card applications?
I'm looking for a new card for travel, something like Barclaycard reward card, but wondered if: a) Salary sacrifice is going to impact my gross annual salary reporting (I am sacrificing a LOT)b) Temporary tax code changes should be taken into account when reporting monthly salary after tax - if they look at my statements…
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DD Turning 18 - Building Credit
Hi everyone My oldest is just turned 18 I would like to help her build a great credit score What's should we start with? Something for everyday spending? What's products should we apply for Credit cards, over draft? I had a quick look at credit cards but the system (mse pre check) says she can not get any of them yet…
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Money Transfer Card to a Balance Transfer card- is this possible?
Hi all, So I got myself in a bit of a silly situation. I used a Monzo flex and have been building up the money on that account (£3,500), not realising how much interest I was paying (29%) I was paying off the monthly balance each time but with the amount of interest I was accruing, and the reliance on the flex account, I…
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Bodged double glazing paid by CC
I had new double glazing fitted last year. Paid for by credit card in 3 instalments.1 deposit July2 September after completion but held back amount due to 1 botched window. 3 November after replacement of botched window which still not adequate but was assured it was ok. Got the fensa certificate. Front composite door is…
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Barclays no option available
I had the Barclaycard rewards card which I cancelled back in September. I now want the free avios card but in the app when I click on “change to different card” it always comes up with “no options available”. Has anyone encountered this before?
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Is Shop Pay safe/legit?
There's something I'd like to buy online with my credit card but the only option in this particuar store is to use Shop Pay. I've never heard of it, and googling doesn't seem to indicate anywhere I can look to tell me whether it's legit. Is it safe/legit? If so, how do we know that?
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Section 75 claim protection for group holiday booking
Thanks for any help on this. If I make a booking with a foreign tour operator on an AMEX or Mastercard credit card for myself and 5 other people in our holiday group and the tour operator doesn't provide the service will I be able to make a S75 claim for all 6 of us? i.e. the total payment? The tour operator is based in…
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Refunds don’t count towards payments
Hidden in the small print, a refund to your credit card doesn't count as a payment, they still want your monthly payment. I had a refund of £700, which I (stupidly??) thought would count as a payment as it reduced my balance by same amount. I therefore missed my £10 minimum payment assuming they’d already had £700 that…
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Refunds on credit card
Purchased some items from Amazon on my credit card totalling £120. So balance on my credit card is £120 as nothing else purchased on it recently. I returned the items to Amazon who earlier today issued a refund, and i can see them under pending transactions as a credit. On the Halifax app it says my credit card balance is…
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Do I close one of my credit card accunts
Hi all, I have 1 main credit card which I use every month, a balance transfer card and now a 2nd balance transfer card which I've just opened and transferred the outstanding amount to from my 1st balance transfer card. My question is should I now close my 1st balance transfer card as I have no intention of using it and my…
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Low minimum payment on % balance transfer cc
Hi 0% Balance transfer deal coming to an end & looking for new one but how can I tell what % the new cards minimum monthly payment will be without contacting each card provider? Any deals out there with a low % minimum payment? TIA
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Amex Everyday cash back vs Amex Cashback (with fee) Optimum spend?
Hi, I'm struggling to work out what the minimum spend should be to make it worth paying the fee. I currently have the Amex Cashback with fee, rules being 0.75% cashback up to £10,000/yr, 1.25% cashback above, £25 fee. The other option is Amex Everyday, 0.5% cashback on first £10,000 spend, 1% above, no fee. I'm ignoring…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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