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When is best to apply for a cashback credit card
Hi all, I currently have 3 credit cards ( a balance transfer card and 2 other normal cards) which are paid off in full every month. My credit score has incredibly significantly compared to what it was and I'm.now at the point where I'm thinking of getting a cashback credit card but didn't want all these cards active so I…
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Paying off Skoda VMFS finance agreement with Lloyds Ultra credit card
So I've got a PCP with Skoda VMFS and I'd like to pay it off with Lloyds Ultra credit card and I have two questions. 1. Will I get the 1% cashback? Have any of you tried it? Most probably not but I want to double check if any of you have tried and had the luck. 2. Will I be charged for it? It does say free cash withdrawals…
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Prepaid Visa/MasterCard "Gift Cards" from shops/supermarkets - does anyone still sell them?
These used to be for sale in most supermarkets and places like WHSmith, Boots and Argos alongside the normal gift cards, usually in £25 and £50 denominations (although Morrisons had £100 ones), but I haven't seen any for a while. Does anyone know of any shops still selling them? Just to pre-empt the obvious comments - I am…
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Complaint-worthy? Overdraft vs. Credit Card
Am I right to feel miffed by Barclays that I am considered ineligible for a £500 interest free overdraft with my Barclays Premier account, and yet in the same month receive from them a proactive offer to increase the credit limit on my Barclaycard from 3.5k to 5.5k? Seems nonsensical to me that I am denied a fee free…
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Clearpay/Credit card company
Good morning, I ordered an expensive watch (expensive for me anyway) The company says I would receive within 4 days and any delays they would keep me informed. Well, it's been over 2 weeks now and no communication. They have not responded to emails I've sent. I bought the item using Clearpay (this in turn gets paid off by…
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Offer with Halifax
Is it possible someone could help me out with some maths please I’m shocking lol I currently have this offer available It’s also the same offer for money transfer I have £1000 left to pay on my closed Zable card that doesn’t except balance transfers currently paying £65 a month so my thinking is do the money transfer pay…
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Flexiloan balance transfer
Hi I have several credit cards I want to balance transfer to a 0% credit card. I also have a flexiloan with HSBC which I was hoping to transfer to a credit card as well. Does anyone know if a 0% balance transfer credit card deal who will transfer the flexiloan as well?? Thanks
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Student loan and credit card balance transfer
Hi, I'm on have a student loan on plan 1 and as at today owe £6820.07. I borrowed 4k in 1999 and I'm making very slow progress paying it off. I've considered paying it off with my Halifax credit card, then doing a balance transfer to my new HSBC 0% for 31 months credit card. Take the £200 ish fee and get the lot paid off…
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Moved: Consolidation
This discussion has been moved.
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Anyone else had their Creation credit card cancelled without explanation?
For the past 8-10 years I've been the happy user of a Creation credit card which I took out because, at the time, it offered foreign currency transactions without the usual 2.75-3% exchange fee (and thank you again Martin & team for alerting me to it way back then). I've always paid the card off in full every month, and to…
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Onmo APR increase
Just a quick heads up, Onmo just sent an email telling me that the APR is going from 34.2% to 47.99%. Wow. I am going to get shot of that, its just such a huge increase. I have had other credit cards previously and the APR has never gone up by that much. Theres a button to repay the minimum at my current APR and close the…
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Sainsbury's Bank sold to Natwest
https://www.about.sainsburys.co.uk/news/latest-news/2024/20-06-2024-sale-of-core-banking-business-to-natwest-group Unlike Barclays purchase of Tesco Bank, it doesn't seem this deal includes ongoing usage of the Sainsbury's name, so Sainsbury's Credit Card customers will become Natwest (or I suppose maybe RBS or Ulster…
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Co-op bank phone lines
I have been on hold to the Co-op Bank 0345 600 6000 number now for TWO HOURS and SEVENTEEN MINUTES and counting. It is simply inconceivable that there are enough people waiting who are prepared to wait for more than two hours. I can only assume there are no staff at the other end. This really is a deplorable example of…
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Buying a "new" Car...CC advice please
Originally, I was simply going to use savings and pay off instantly. However, I am thinking of getting a 0% interest CC, and paying it off monthly? Would I get accepted for £7000, income of £85k? I have all the money in place but I also wonder if there are any CC that give a little cashback alongside 0% - if anyone has any…
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Balance transfer credit card
I have two MBNA credit cards and would like to clear one of them with a balance transfer to my new Nationwide credit card. Is this allowed?
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"Ethics" of credit card spending
Morning, Are there any ethical or moral concerns when it comes to credit card spending? If you use reward cards for example and do all your spending on these (paying back in full each month of course) is there any net negative either to yourself, or the greater society? Thanks
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Credit Card & PayPal - Cash or Purchase?
Hi All, Hope you can help. Does anyone have experience of sending money to friends and family via paypal from a credit card - and whether it was treated as a purchase, or as a "Cash-Alike" transaction? I've asked paypal and they've basically ignored my message, and I can't call. Their FAQ just says "We don't charge cash…
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Vanquis settlement fee
Hello looking for some advise. I have a £4k debt with vanquis, currently not missed a payment in 65 months, no late payment either. I have called twice in the past 6 months to raise my worries around not being able to manage it. I have received some money from parents to try and clear debts. Called vanquis and they advised…
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Sainsbury Card to Nat West, now two accounts. Combine? New Card.
My Sainsbury credit card will move to Nat West at the beginning of next month. I allready have a bog standard NW credit card issued many years ago. This card does not have charge free use overseas. Just asking this question before contacting NW. I'm looking to try to convert both cards to just one of the newer Nat West…
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Moved: Credit Card Debt
This discussion has been moved.
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: 3% fee BT on Virgin Credit Card by retiredbanker1
30 October at 4:36PM
