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Direct Debit taken in error
I made a manual payment to my Barclaycard on 31/12 at which point I was told within the app that my direct debit (due 06/01) would not be taken. The DD was subsequently taken on 06/01 and after raising this issue via chat I was told that it was within the 3 working days deadline when considering the new year holidays and…
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Balance/Money Cards
Anyone know any good balance or money transfer cards available at the moment, been offered some credit cards but not much used to be right now where a balance or money one would be, need something that will be accepted for someone with a good credit history but still has some flaws on there file?.
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First credit card as a student
Hi, I’m looking to get a credit card simply to build my credit score however when I do a check on here for like the tescos one for poor credit it says I’ll be rejected- I assume as I don’t earn enough per year? (Only about £10k ish part time) I was wondering if there’s any advice. I’d simply use it to pay rent each month…
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Cost of dependants
When you make a credit card application, and it asks how many dependants you've got and how much they "cost" you, what do you put?Case in point - probably a very common scenario. I work full time, wife works part time. My salary pays for the essentials, wife's income pays for the "nice things". How much do I put down for…
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Balance transfer home address problem
Hi all, I am considering applying for a 0% balance transfer card, however I seem to hit a post even with MSE`s calculator due to us living with my father in law, my wife being his carer. We have been here 5 years now so my `current address` is with him. However, we are a homeowner which we rent out and have done so for…
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Balance transfer to pay off certain accounts.
Hi I'm very new to balance transfer and forgive me if I sound abit dim but I know you can transfer credit card amounts over but can you do the same with different store accounts. I have online accounts with very, next, simply be and curvissa and it wld be cheaper for me to transfer the balance of these accounts onto a…
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Balance transfer and money transfer
I have an MBNA balance transfer card that also offers a money transfer (balance transfer is 0% for 31 months - 24.94% after 31 months and I have already transferred a balance to this, the Money transfer promotional offer is 0% for 9 months - 24.94% after 9 months) but I have not yet used this but I would like to. I…
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Multiple balance transfers
So it’s not something I’m looking for more trying to understand how they work I have a HSBC card on a 27 months 0% with 3k of a 4k limit. when I made this months payment they are offering me a separate 12 months for any new balance transfers I make in January but how would that work how are payments allocated would all…
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Vanquis Refund Historical Error
I have received a letter regarding an account that was closed over 10 years ago with Vanquis. It advised they had found a historical error with 'additional fees' and they were refunding them. Error amount approx £20 refund amount approx £200. The cheque has arrived (not cashed yet) I have tried calling Vanquis to get some…
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Credit card defaults
Hi Guys, I have defaulted multiple credit cards totalling 25000£.zopa(3000£),natwest(9000£),halifax(2500£),llyods(3500£),Aqua(3100£),fluid(2000£). I have missed 2payments and might be on 3/4 it goes to default. I don’t want to enter into IVA or get CCJ”s.I lost job 2months ago and struggling financially. What are my…
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What happens if you only pay the minimum payment or pay more than that on credit card?
On a credit card, if you are unable to pay off your entire balance for a couple of months and you start paying more than what the minimum payment due is at least, is the only thing to worry about interest accruing? I am paying more than what the minimum payment amount is, just so I can pay it off faster and as much as I…
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Old Credit Card Debt Advice...
Hello All, Apologies if this is not he right place for this query. My query is for advice regarding a fraudulent debt incurred on a credit card back in 2007. A bit of background: Back in 2007 - my credit card with MBNA was fraudulently used to withdraw £7k in one transaction (done via card transfer to an account), and than…
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John Lewis Credit Card
I had a shock today with my John Lewis credit card small print. I'm sure some people will know about this but perhaps it will be a heads up for others. Today I received my monthly statement and bill. I always pay my credit card bill in full within the payment period. When I looked at this bill it had a £167.05 interest fee…
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Do i have too many credit cards?
My original credit card is now 11 years old. It's with capital one with a £2500 credit limit that I've not used in a very long time! Second credit card is virgin Money that I only use for holidays abroad due to its 0% foreign transaction fees, the limit is £6000 My daily credit card is with MBNA with a £28,000 credit…
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Multiple Balance Transfers Within Specified Window
Hello everyone. TL;DR - Can I balance transfer multiple times from the same credit cards, so long as its within the 60 days to claim the 0% offer? I am in the process of consolidating some debt to my new balance transfer card. I have just cleared 2 existing credit cards with it. Annoyingly, 2 of my major amounts are a Next…
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Credit Card Fees for Exceeding Credit Limit
Why do some banks still have fees for exceeding credit limits in their Ts & Cs. These fees are totally anachronistic. It previous times they were necessary because people could make payments without pre-authorisation. These days all payments are pre-authorised. Therefore it is 100% within the control of the bank to keep…
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Lost my balance transfer CC amount, because of new spending & repayments?
A few months ago I got a new credit card. I did a £1000 balance transfer and the limit is £3500. Since then I have done quite a lot of spending and made a lot of repayments. Now there’s £1200 on the card. In my mind I was expecting £1000 would remain interest-free for the advertised 21 month period, and I’d only be paying…
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Pulse v Barclaycard
I have used my Pulse credit card for Amazon and other purchases for some years. Amazon offered me the Barclaycard which I obtained. I cannot work out which is better so would appreciate advice. I am not a Prime user.
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Kickstarter refund and vanquis card
Morning all, not had this situation before so would appreciate your views. Ages ago (August 2023) I backed a project on kickstarter for about £200 - this week my pledge was refunded. Kickstarter say they can only send the refund to the original payment card... trouble is that I only had the vanquis card as a credit builder…
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Credit Card - Section 75 query
Hello I purchased a picture in France, paid by Credit Card. It was my eye iris and my husbands joined as a photo. Shop saw that there was an issue with the photo so retook the photo. Returned home to England to find an email stating that the photo was not suitable and that we needed to return to have another photo taken.…
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: Are BT 0% offers usually on new cards? by kimwp
5 August at 9:57AM
