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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…
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Applying for a student credit card with an overdraft
Hi, I'm 18 and currently a student. I have a student bank account with HSBC, and currently have a £927 overdraft out of the total arranged £1000. This is because I've put it into a cash ISA to earn some interest on it - I'm very on top of my money, so I'm not worried about spending more than I owe. My question is: I would…
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Paying credit card before statement is issued
Hi, I've been finding conflicting advice as to whether paying off my credit card before the statement has been issued is a good or bad thing. Some people seem to think because the debt & payment aren't recorded on a statement then the CRA's will have no record of it, whereas other people seem to think that the payments…
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Monzo flex payment question
Hi, I've had a Monzo account for a while which I use for trips abroad and I've just gotten a flex card now When it comes to payment time, does it come from my Monzo account? IE I have to have the available funds to pay it off? Thanks
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Balance transfers need help
Hello, I'm a bit clueless on balance transfers. I've got three credit cards; a capital one, HSBC and first direct. I wanted to move my capital one and first direct over to the HSBC one which has 0% balance transfer. I've managed to do the capital one balance transfer but I can't move the first direct one as it's owned by…
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Chip & Pin security (??)
I’m not sure if this is in the right forum, but please re-direct me if
necessary. It concerns credit card fraud and the security or otherwise of Chip
& Pin. Last month, I was in Mexico, and when I got back I saw two entries on my
credit card account which were clearly fraudulent. They were for large amounts,
both on the…
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0% credit card query
Hi there, I have a question regarding taking out a 0% credit card. We are set to remortgage May 2026, I have credit card with not a huge amount on but currently the cc has interest and I don't have the funds to pay it off in full. I applied for a 0% in December and was accepted, they asked for utility bill and ID which I…
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Section 75 charge back
Hi , I've tried to claim under section 75 as goods not as described/received. I bought my daughter an online course to help towards starting your own business. Offering advice on how to go about it etc using media platforms etc and offer advice when questions asked. It just isn't working at all and the firm just doesn't…
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Where to start with credit cards
Hi, I have managed to get into late 40's without ever having a credit card. I am travelling more these days and unsure which card would be the best for that, plus plan on using one for a larger purchase. Do I go for 0% interest or zero fees for spending abroad, or is there one that covers all? #clueless.
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Section 75
I have paid a deposit on my CC for protection if I cleared the balance would I be still be able to claim under section 75 if the need arises with the balance paid. Thank you for your input
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Section 75 - no use for secondary card holders?
My wife has a secondary card but no CC of her own. If she buys plane tickets, these will not be covered by section 75 as the secondary cardholder card is used.If I use the main card to buy tickets for her, these still will not be covered by section 75 as I am not buying them for myself.I am NOT flying with her.Am I correct…
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Question balance transfer Credit card, 0 % spending balance (how is purchase interest calcuated)
Hi All Just got a quick question about balance transfer Credit cards, with a spending 0 % spending balance, for a certain period. I transferred a bigger balance over recently, from another card, the card had 27 months interest free on balance transfers & 6 months, 0% on purchases to June 2025. Anyway, over Christmas I used…
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Negotiating with a lending paying off a credit card
Hi there Im in a position where I actually have some free cash to pay off a persistent credit card debt. How open are lenders likely to be if you offer them to pay say 50% of the outstanding debt (for example, I have £8k on one credit card and was thinking of offering £4k to pay if off) and agree to close the card and…
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Someone wants to know my address...
A legit but not very trusted website wants my card details and (more worryingly) my address for an access to their service. The service is free, they say they just debit £1 and then refund it, to filter out spammers. In reality, they are likely to be the real spammers here, I am sure I will find tons of waste mail on my…
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Big balance transfer
Hi there, I have a 0% deal running out and I need to do a 0% balance transfer to another card for an amount of 8300. I don't mind splitting, but ideally I'd like it to move to one card. I have an excellent credit rating and I can get pre-approval for a few cards. Trouble is, they won't give me a figure for maximum transfer…
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Minimum Payment Markers
I recently requested a copy of my statutory credit report from Experian and noticed that a credit card account has minimum payment markers for 4 out of the past 12 months, despite me always clearing the balance in full before the payment due date (and, in fact, due to a low limit often cycling much more than the previous…
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Credit Card Payment Allocation
I have a Credit Card with a 0% balance transfer balance and i use it for a few smaller purchases. I understood any payments i made would go against the most expensive debt, i.e anything i have purchased which is on a normal interest charge. When i look back over the last year i can see various deductions from the 0%…
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Credit card application
I want to apply for a travel credit card for 0% transaction fees but am getting turned down on the soft application. My credit score is very high and I have an Amex card I’ve used for years. My personal earnings are £10k and I’ve put that I don’t pay rent or have any dependants. I live with my partner (and kids). He is the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by WYSPECIAL
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