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Transaction trace
I have mislaid a lotto ticket and someone else may have claimed a big win , I bought the ticket with goods from my local shop. Would the card transaction timestamp proove I am the rightful owner of the winning ticket?
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0% purchase card - what does it mean exactly?
Planning to apply to a 20-month 0% purchase card. What does this mean exactly? Let's say I get the card with £2,000 limit. I do a £1,500 purchase. Does this mean I pay nothing for 20 months? And in 20 months, which is December 2026, I pay £1,500 with zero interest. Many thanks
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Interest free balance transfer
Hi I did a balance transfer of £4000 with 12 months 0%. and 3 months 0% on new transactions. The 3 months is nearly up. to date i have made about £1600 of payments off the card, but then also added new charges of about £1000 (planning a wedding i will have to use it for some wedding related ietems). When the new…
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Not aloud to do a balance transfer on my credit card.
I need advice please. I have a capital on tap credit card I got for my company, that’s now gone in to voluntary liquidation. I am a personal guarantee. I got a 0% credit card to pay this off but capital in tap are saying that do not except balance transfers only payments via bacs. And if I do not make the payment when it’s…
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Flight spend reversed but flights still confirmed
I bought flights on my AMEX credit card. I received a confirmation email for the flights and all was normal. Then my pending transaction on my AMEX disappeared. I contacted AMEX who said the flight operator had reversed it - so now I have my credit limit back. I contacted the flight operator and they say everything is fine…
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0% balance transfer-no fee-longer term?
I have a couple of credit cards due to expire their current 0% deal in September. We will be looking transfer the natwest at 7k as we will have paid barclaycard by then. I have an offer of santander £3 a month card, balance transfer 0% for 15 months, or tesco 31 months with a 3.45% fee. Not sure whether to go for the…
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ZOPA Credit Card
Just a heads up if you have a Zopa CC, Zopa have hiked my interest rate up 10 points today 12% to 22% - completely out of the blue, I only use it for big purchases and rarely ever go over 25% of its limit - usually always paid off within 3 months. I can’t understand why they are doing this it’s puzzling (other than greed)…
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Section 75 £100 minimum limit query.
Hello everybody. I find myself in a bit of an ongoing situation with Tesco Bank. I'm a bit of a geek and I had orders putting with a collectable company, which has recently went bust. I had multiple orders with the company, all paid the same way but for simplicity I'll just give details on one order. The order was a…
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Balance transfer credit card
Hello I have may a simple question I'm undecided to apply for a balance transfer card because I don't want to damage my credit score first but the situation is as follows I have only 1card since over 13 years and never missed any pay.I have previously reduced the limit by half quickly but due to circumstances in my job I…
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Word of warning re M&S 2 year 0% "deal"
Might be wise to double check on this one. Applied using the MSE link and was accepted, but couldn't see confirmation of the two years anywhere in my new account online or in the paperwork sent with the card. So contacted them via online chat to find I only had 15 months at 0%. I don't mind they rejected me for 2 years but…
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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…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: Utilisation Ratio by sultanoflondon
12 February at 9:12AM
