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Barclay card rewards for spending aboard
Hi Has anyone come to the end of their Barclay card reward contract and been able to renew with Barclay card to continue obtaining overseas spending for free for a second year? I'm coming to the end of mine which is a shame because I use it regularly and would like this deal for another year if possible. Thanks in advance
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Credit Card balance and the Credit Rating
I have seen on my credit report that spending more than 25% of my limit negatively impacts my credit rating. But at which point does it impact it? If I make sure to repay enough of the credit card to reduce it below 25%, before the end of the money, will I avoid any impact? Or do they see the balance instantly?
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Monzo Flex
Can anyone with a Monzo Flex card clarify this for me. Does Monzo report Monzo Flex usage to the credit reference agencies just like a regular credit card if paid in full? If you choose to pay interest free for 3 months, is it reported as Buy Now, Pay Later. If the latter, does that affect a credit score?
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Capquest / OPOS chasing for an ancient MBNA credit card debt
Hello... This morning I received a letter from Capquest/Opos, in which they are trying to chase me for an ancient (2010) debt to MBNA which was resolved at the time. The letter is offering a settlement figure but I am sure that this debt is statute-barred as it is way more than 6 years old and it does not feature on my…
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Best tactic for 0% balance transfer offers on existing MBNA cards
I had 2 MBNA cards with long 0% BT deals. Just before the 0% deals expired, I paid off the cards in full. This was 6 or 7 months ago and MBNA is not offering me any new BT offers on these cards. Do you think a new deal will ever come along on these existing cards or is it better to cancel them, wait 6 months, then apply…
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Tesco CC & TopCashBack
There is an offer on TopCashBack for Tesco low-fee balance transfer card. However, all reviews are negative "doesn't pay". Has anyone had positive experience with them?
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Which AMEX card
Currently i have a Tesco credit card and use points on eating out and buying train railcards, I know there is a better option out there. what AMEX card is best for cash back/ rewards?
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S75 protection with a credit card and gift card
Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit…
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0% balance transfer cards
Good morning, After some advice in regards to 0% balance transfer cards. Couldn't find any information online. They come with the following, 0% balance transfer for 6 months. Then says need to do the transfer within 60 days of opening the account. One the 6 months has passed, is it then a case of clearing or moving the…
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Nationwide increasing credit card interest rate by 50%
Ouch, I have just received a letter from Nationwide saying that they are increasing my credit card interest rate by a whopping 50%. I have a members-only card that I have had for a good number of years, and until now it was charging a fair and not unreasonable interest rate of 9.9%, which was perfectly reasonable for the…
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Old Barclaycard Debt Passed on to Cabot
Hi All,Hope this is the right place for this. I had 2 Barclaycard Credit Cards plus others back in 2013, at the worst point I was in £25K worth of credit card debt. Since then in 2018 Barclaycard closed my cards (can't remember the term) and passed me to Barclaycard debt management this was fair enough, I couldn't make the…
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High income, no debt - why won't Barclaycard increase my limit?
A little while back I applied for a Barclaycard on a 0% for spending for 23 months deal. I was accepted with a £6.5k limit. Basically I would like to use as much as I can on the card, in order to build up some savings that will earn interest in the meantime, but in the medium term can also be used to pay for some…
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Pending transaction for £0?
I ordered some items from Amazon yesterday. Checking the app on my phone, reveals the following under Pending Transactions. Amazon Eu +£0.00 Amznmktplace +£40.16 Both have todays date on them. Why are there 2 entries, and why is one for no money?
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S75 with 2 credit cards
Hi, as I understand it S75 with payment split across 2 credit cards is fine, and either card company could be made liable for the full amount (but not both for full, I.e. indemnification principle). The payment on each is over 100 and less than 30000. Does this sound correct please? Thanks
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Getting a credit card - newly departed partner
My Dad is 93. Mum has just died. They were living together in a care and nursing home having been married for 71 years. Dad used 'piggy back' credit cards off Mum's store credit cards.He now needs his own one.I've tried MSE's credit card checker on his behalf and it is unable to return a positive response.Income is £9100,…
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Pay 0% credit card balances off or save in isa
Hi, I have about £14k on 2 credit cards that are on 0% deals until mid 2026. I am in a position to pay them off, the min payment is £250pm. Should I put the £14k into an ISA for a year and pay the min payments for the next 12 months or just pay the cards off? Should make about £700 interest if I put the money in an ISA for…
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Section 75 timescale
Hi guys , Can someone please clarify the timescale to claim ? We purchased in October 24 and since have lodged a claim under section 75. Halifax Mastercard are saying it's been rejected due to being out of the time limit ? I always thought you had 6 years from date of purchase? Thanks in advance
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ADDITIONAL CREDIT CARD HOLDER
I want to apply for a credit card, that allows my 16 year old daughter to become an additional cardholder. I am sure that Martin Lewis recently stated there were some companies that allowed it, but not all reported it to Experian etc. The reason is to build up a credit score for her. I have found old posts relating to it,…
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I thought they were targeted ads?
I've never carried a balance into the next month, but I keep getting emails from Clearscore, offering me Balance Transfer Cards. I thought these ads were supposed to be targeted?
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New: Amazon Barclaycard
https://www.amazon.co.uk/test/dp/B0BH98211K Doesn't let me apply yet, but I'd be ineligible on account of holding an existing Barclaycard. £50 reward for signing up 1% at Amazon, 0.25% elsewhere (boosted to 2%/1% for first 6 months then 1%/0.5% for months 7-12) 4% rewards during "key shopping events like Prime Day" No…
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: Stoozing first time queries by kempiejon
7 December at 12:51PM
