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Klarna finance with two jobs
sorry if this has already been asked but i want to take out finance on a bicycle with klarna, I have two part time jobs of 15+ hours a week, would i put down as a full time job or part time? when trying with part time i only had the option for one job and it didn't go through, never done this kind of thing before so any…
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Business reward credit cards
Does anyone know of any reward/cashback business credit card that hasn't got restricted categories of retailers? Capital On Tap card that I got a few months ago restricts payments to financial institutions as it alleges they are not happy to pay for borrowing. These payments are not borrowing but rather paying for genuine…
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Leave open or close?
Is it better for your rating to have credit cards left open? Iv currently got 3 not in use Am I better off closing them and then get one when I need one or leaving them open ?
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Balance transfer when balance includes pending
I am planning a balance transfer from a credit card (I've already got a balance transfer card). The balance shown on that card includes a pending amount. So can I make a transfer that includes that amount or should I only transfer the amount of the transactions can do. Obviously I could just wait until that item ceases to…
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Best way to clear PayPal credit debt
I have around £515 of debt on my PayPal Credit that I have been slowly chipping away at but have barely made a dent in. I am now in a position to pay it off in cash, and I am wondering if there are any implications of doing so. Will it positively or negatively affect my credit rating, which is poor at the moment—not due to…
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Credit Card Account Missing
I bank with HSBC (Midland when first opened the account) and either from the beginning or soon after I had a credit card. When I accessed my account online over the weekend just gone, I noticed that it's no longer showing in my list of accounts. The weekend was the first time that I noticed that it wasn't showing there. I…
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First credit card
I have some small debts that I'm only paying the interest on eg Currys and Argos cards. Would it be beneficial to transfer these to a 0% interest credit card over 18 months or is this not what credit cards are for?
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John Lewis gift card expired
Hi, I recently realised that a John Lewis gift card expired at the end of Jan, so approx 1.5 mths ago. I contacted their card services and they are refusing to honour the credit. Just wondering if anyone has had a similar experience and manged to get them to honour the credit. I had expected John Lewis to be more flexible…
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Merging CC limits?
Similarly to the other recent thread about increasing limits on a new card, I’ve recently taken receipt of a new Halifax card with 27 months 0% balance transfer. I’ve moved all my other CC debt onto this card, but in doing so will be around 85% of the limit of the card. I’ll have paid this off inside of the offer rate, so…
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Credit card fees?
I have a Barclaycard and want to get a more ethical card. Ideally I'd like a reward card but I'm not eligible (I have a good credit rating but low income). As I don't have debt and won't get rewards the only advantage of a credit card over a debit card is the insurance - and I hardly ever spend over £100. Is there any…
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MBNA promotional rate payments
Hi there, I'm new to the forum and I've joined to get some guidance on this specific question. I have two promotional rates on a single MBNA CC, one that finishes in May 2025 and one that finishes in June 2026. The one that expires in May has a smaller balance and a lower interest rate than the June 2026 one, so all…
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Balance transfers 0% how soon can you move balances back between 2 cards
Hello I have a balance in a card but this card is now offering 0% for 12 months before end jan. I'd like to move the current balance off to another card and then in a few days move it balc so I can utilise the 0% for the balance. The fees will be minimal meaning I can pay off my balance in the 12 months but am I allowed to…
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Mortgage
Hello! My husband and I have a 0% credit card and wanted to know if it was safe or sensible or silly to pay off a chunk of our mortgage with it as have plenty time to pay off the credit card while it's 0% interest. Thank you!
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Is Section 75 or Chargeback applicable?
I paid £829.25 to Booking.com for a return flight by cc. The flights were in 2 legs each way. For the inward journey one of the legs was cancelled by the airline and the other leg was therefore no use to me so I cancelled it, asked Booking.com for refunds for the 2 cancelled flights and booked new flights with Expedia. A…
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capital on tap debt
Hi a bit of a long story. my business is under HMRC inspection which has been taking so long without any response from HMRC, and recently found out that the appointed inspector was no longer taking my case, that was the reason why there was no answer for so long. HMRC has been holding a large sum for the whole period of…
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Barclaycard statements and Adobe - problems?
I've posted this here rather than techie, as I was just wondering if anyone else is having problems opening their Barclaycard statements from the website in that it's not recognising that I've got Adobe on my laptop. It was OK last month IIRC. It says that you need Adobe 5.0, but the version i've got is "Acrobat reader…
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Direct debit ignores refunds - John Lewis Partnership card
I pay my credit card off in full every month by direct debit. At the end of December the statement balance was £7,000 but since the statement date I had refunds of £6,000 so I only owed £1,000 but they still took the full £7,000 leaving my account in credit. Is there a law against this?
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What to do after credit card fraud?
Hello, Last week, my credit card details were stolen, after I inadvertently entered them into a scam website that a QR code scanning app sent me to. Someone attempted to make an unauthorised payment today, but I cancelled my card & my bank will send a replacement. On that scam website, I recall entering my first & last…
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Jaja Card Application
Totally confused just applied for a jaja card said I was approved with the credit limit quoted etc went through then it said it has to review the application and asked me to verify my ID so I did the selfie and photo of ID etc went to next page said verify complete then the website crashed and haven’t had any emails or…
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Hard check for balance transfer to existing CC
Hi, my partner and I are actively house hunting (FTB) and hope to apply for a mortgage in the coming months. I have a credit card balance of around £1300 currently paying off via a 0% balance transfer with M&S. I've realised that my 0% offer with M&S ends in June but i'd like to avoid paying interest if possible. Having…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Are BT 0% offers usually on new cards? by kimwp
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