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Credit card balance transfer
Hi all, I have the option to transfer a £9,000 credit card balance from my Barclaycard and Tesco to an existing MBNA card I have - 0% for a year. Or I can apply to a virgin card - 0% for 29 months. Which is better for my credit rating? I won’t be able to pay off in a year so will prob move again. Thank you!
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Is there a way to obtain a balance transfer cc with a set credit limit?
Anyone else struggle to balance transfer to a new cc where the credit limit is never defined up front even on a soft search?
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money transfer to pay same credit card
Hello I just want to make sure that i understand this I have been offered a money transfer at 0% for 12 months @3.5%. If i transfer the money(say 1000.00 @3.5% charge) into my current account, i can then sent it back to the same credit card to pay off orginal balance(again say1000.00@24.9%) and i will still owe 1000.00 but…
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Santander Edge Credit Card - Using it Abroad
Hi, my new card is on it's way and with 2% cashback for the first year I expect to use it extensively. A significant amount of my spending will be made in Euro. Has anyone had a chance to use it overseas yet and can confirm the 2% cashback applies to non sterling transactions ? Were you happy with the exchange rate and was…
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Car rental deposit?
Hi,A few years ago, we were in all sorts of trouble with debts, were in a debt payment plan for a long while and eventually managed to pay everything off and vowed never to "borrow" money again.But we are going away in June this year and just realised that we will need to have a rental car. I also realise now that most car…
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Credit card for foreign travel
I've been using Halifax Clarity when I travel for many years for drawing cash and for credit. However this trip I've just come back from I've been blocked for one trivial reason or another, over tiny amounts. It has been extremely annoying and worrying having to call Halifax from abroad and being told the wait time was 30…
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OPTIMUM Prepaid Mastercard?
I had one of these for several years, then about 12 months ago I got a letter (followed by a few reminder emails) to say they shutting down all the cards. I spent all remaining credit, then forgot about it. Today, I've received an email saying my card is due to expire, and that I haven't used my card in quite a while, and…
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Is having too many credit cards a bag thing
Good evening I am just looking for opinions or help. I currently have 4 credit/purchase/balance transfer cards which I opened all within 12 months, which I have managed to reduce my debt from £6,000 to £2,000. All of these cards have a limit of £1,000-£2,000 1st of the balances is £200.00 - interest free due to end in 2…
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Applying for a CC with Lloyds when you already have one. Don't close the original card before!
ok, just a bit of a moan. amounts used are for illustration purposes only :expressionless: have a CC with a limit of £3000, unused for ages and no BT/spend offers worth having. checked eligibility for a second card and was offered £5000. thought i'd be clever and close the old card first in the hope i may bet a larger…
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Clearing my Next account balance
Could someone please advise the best way to transfer my online Next account balance to a new credit card? I just want to transfer the balance to a 0% credit card and pay it off but it seems I have to pay the Next balance off 1st with another credit card then transfer that balance to my new 0% Virgin credit card? Can I not…
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Help - 0% card application links with a "*" are not working for me
Hi I'm trying to apply for a 0% credit card having done the eligibility check. When I click on "* apply now" then I end up on an ad page which cannot be reached in my browser. Is this something I'm doing wrong, there is no alternative route to the card provider, and finally I posted this here because I couldn't find…
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Minimum credit limit - explain
Can someone please explain minimum credit limit to me please. In easy to understand terms. I am looking to get a 0% credit card and have been offered one with a fixed minimum credit. Not sure if I should take it.
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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…
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: 3% fee BT on Virgin Credit Card by Mcrib
9 August at 6:05PM
