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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.…
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Credit Card need to apply for a new one but…
I’ve got 9k on a Barclay credit card (I pay way over the monthly minimum thing) its 0% on purchases and 0% on something else (not really sure what) it’s 0% deal comes to an end in March so I need to change over to another 0% card and transfer the 9k with me (no way of paying it off other than the £350 a month I already…
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Natwest CC Application - Radio Silence?
I submitted an application for a Natwest CC on Sunday, got sent a pre-contract agreement and submitted the Liveness check/documents for Mitek ID verification. I received an email on Sunday saying that I’d hear from Mitek if they needed anything else, and if not, I’d hear from Natwest instead confirming that my card was on…
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Balance transfer
Do any credit card providers allow balance transfers between husband and wife
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Using the money transfer facility on an existing Barclaycard
I need to borrow about £3000 and I read that it's cheaper to use a money transfer credit card. I already have a Barclaycard and they have a current offer of 17 months interest free (3.3% fee for the initial money transfer). I use the card for all purchases (food, fuel, etc and pay it off in full each month). How will it…
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Barclaycard Limit Reduction
I just received a letter from Barclaycard, stating they have reduced my credit limit from £20,000 to £1,250 - a reduction of over 93%. It also just happens that this is under £100 from my current balance, meaning that if I hadn't noticed the change, I could have easily gone overlimit (and incurred the associated fees). I…
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Direct debit keeps failing and both banks blame each other. What to do? (Amex > Chase)
I signed up for an AmEx Gold (UK) card in April and set up a direct debit (DD) with my Chase account. The first payment went through, but all subsequent DDs have failed. I've been manually paying since then. Here’s what happened: * Both AmEx and Chase blame each other for the issue. * Last month, I set up a new DD and…
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Charged interest on balance transferred away?
I balance transferred one of my credit cards before the minimum payment was due, this was done in plenty of time before the minimum payment was due but on logging into the card I have some interest to pay, the minimum payment was £26 odd, the interest it has applied is £10. I thought if the balanced was cleared before the…
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Using a 0% Credit Card to pay off a personal loan.
I have currently have a personal loan that has an interest rate of 9.9%. I currently have approximately 36 months left to pay. There are no penalty charges associated with this loan, so I am currently overpaying almost double the agreed payment, which will reduce the payment time by about half and save loads in interest.…
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Amex application - very impressed
Just wanted to say how impressed I was with Amex application, recently changed they now let you know if your approved before it was a %chance. Applied Friday morning, got the card Saturday. fastest card I have ever applied for and received. excellent limit as well. so far app is good and it’s the cashback one so 5%
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MSE said I was preapproved but Barclayard declined
I'm just curious if this has ever happened to anyone else and if so what the outcome was. Basically as per title. I went through with an "MSE preapproved" 0% balance transfer card application with Barclaycard. Some time later I received a letter from Barclaycard saying my application had been rejected, with no reason…
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Section 75 Building work
Hi, I was wondering if anyone has had any experience against claiming back money from a builder through section 75 and what is the best option to get money back? We agreed a quote to have an extension done along with replacement windows for our existing property. We ended up paying quite a large sum of deposits before the…
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Section 75 Claim for Refused Refund
I purchased a watch as a Christmas present for my son. It was pre-owned and from a watch dealer who is a VAT registered company. The reason was that there was cosmetic damage not evident in the photos of the listing on the retailer's website. The watch was not worn I returned it with agreement from the seller but I did not…
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Newbie questions about collecting Avios points using any means!
I have three questions before signing up to collect Avios points, mainly using a credit card, which I use for all my daily spending. Firstly, on reading the MSE article on "31 tricks to boost and max Avios", it states "You can only upgrade one cabin level up – so premium economy to business, not economy to business, and…
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New Income / Applications
Going forward if your income has changed do you just start putting the new income details on credit applications, I mean I’ve been putting the same figure for a good while now and that figure has changed so I guess I just start using that new figure, I didn’t want to scare the fraud systems or anything and it flag out and…
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two balance transfers from same card?
I'm thinking of applying for a balance transfer card, as I have some large bills and purchases in the next few months. Not absolutely necessary, as I can pay these from savings, but a card would let me pay over a period without incurring interest. The card I am thinking of is the RBS balance transfer card, as my current…
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Issues with Santander CC payment collection
Hi This month I (stupidly) didn’t have enough money in my Chase account to pay my Santander credit card direct debit payment. Chase sent me two texts saying I had insufficient funds to pay it. So I transferred money from my Chase account to my Santander savings account to pay the credit card through Faster Payments. The…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
