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Moved: Inheritance Tax Split Help
This discussion has been moved.
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Thoughts and advice please.
Hi all. I need to borrow £2000 for some home improvements. Rather than going down the loan or add it to the mortgage route I'm thinking of withdrawing the cash on an existing credit card and then transferring the balance onto a long 0% balance transfer card, obviously paying it off within the 0% time period. Would this be…
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Credit card reversal of Direct Debit
Hi All, I am writing on behalf of my wife. She has a credit card Virgin, and was paying it off on 0% regular payments. But last month ( September) she got a email saying that the payment had been missed please make minimum payment. Why the direct debit was cancelled on September we didn’t know we made the required payment…
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When to apply
I have a 0% credit card with a £1,800 balance which won't be paid off before card ends in January 26. Would like to shift debt to new 0% card if possible. Should I apply for new card now or wait till nearer the expiry date? Thanks for help.
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Onmo APR increased without notification.
Hi everyone, I’ve been going through my credit agreement with Onmo and noticed something that doesn’t seem right. My original agreement shows an APR of 22.46%, but when Onmo contacted me in March about an APR change, the email they sent listed my current APR as 24.9%, and said it would be increasing to 44%, which I…
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Avios to Nectar conversion changing
Just had email. Will change in March. Barclaycard avios card will now only pay 0.5% cashback equivalent!
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Incorrect Tyres Fitted - Chargeback?
Hi Team MSE, I have question relating to Chargeback and Section 75. I had ordered two car tyres online and recieved confirmation via email confirming my selection (product and tyre size).On the the day of fitting, once the tyres had been fitted and payment taken, I went to inspect the tyres whilst the car was still on site…
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HSBC Visa Credit Card - 10% cashback offer (1st Oct-31st Dec 2024)
Just received an email from HSBC offering 10% cashback for 3 months on groceries, fuel and UK travel (up to £50 per month) with my Visa credit card. 5 purchases or more on the above will be required too. Keep an eye out for an email as you have to opt-in by the 30th September 2024. You probably have to be an existing…
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3 Credit Cards - Very Poor Credit Rating - most effective way to improve it?
Dear all, I have a 'Very Poor' credit rating (544 with TransUnion) and I am hoping to improve this as quickly as I can so I can apply for a mortgage. I have a question on my credit cards situation though and I'd just like to see what people's thoughts are. I have recently received a Barclaycard which has allowed me to…
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Dangers of BNPL
There is an article in yesterday's NY Times about the dangers of Buy Now Pay later.I know it is based on the American financial system but I am sure some of the tactics used by the BNPL companies will be universal. The comments are interesting, especially those ones where the article's author has replied to the comment.I…
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Credit cards whose app / website that have passcode (numbers) not password (letters) login
I am shortly going to apply for a new credit card with 0% spending. But I am dyslexic so really struggle with apps / websites where part of the login is to type in the 3rd, 5th, 7th etc letter of your password. I invariably write the password down and then count which letter is which. This kinda defeats the object of the…
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Debt consolidation
I have come across a real conundrum. I have several credit cards that are zero interest amounts that mature soon and I wish to clear them by taking out a mortgage on an unencumbered property I own. I discovered to my amazement that although I’m only borrowing a fraction of the value of the property for the purpose of debt…
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Moved: Credit card after death
This discussion has been moved.
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claiming a refund under section 75 of consumer credit act 1974
I am in dispute with Anyvan.com I paid £1000 with Barclaycard for a very poor house move service,so I am trying to get some compensation. according to the letter from Barclaycard I am not covered ,Why?
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NatWest 0% credit card – no first payment taken despite DD being set up?
EDIT!!!!!!! I had misread the email, which I still think is a little misleading it meant I cannot add MORE balance to what I currently have Doh! Your offer to transfer a balance at 0% is about to end soon Credit Card account ending 2324 Hi all, Hoping someone can help or share if they’ve had a similar experience. I took…
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Interest on a credit card (even though paying off using a direct debit )
Hi, I have a credit card with Halifax. When I originally setup the card a direct debit was setup to pay the amount in full every month. However recently i have seen an INTEREST amount being taken from my card (although a small amount less than £1) I don't understand why I am having to pay any interest, as my direct debit…
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Cannot add credit card to Apple Pay
I have been told by Halifax Clarity that they will not allow my credit card to be added to Apple Pay because my IMEI of a phone I bought brand new has apparently been associated with fraud Having first wrongly claimed it was Mastercard who kept the data base they now refuse to tell me who has misinformed them and sent a…
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Halifax moving from Mastercard to Visa
Anyone else got the email to inform them their credit card is moving from Mastercard to Visa? I have a Clarity credit card as I get free foreign transactions, which I thought was just a mastercard thing. It doesnt really say if this will still apply when switching to Visa, and even Halifax helpdesk werent sure when I spoke…
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Unexplained transactions on my Halifax Credit Card
I have a Halifax Credit Card used solely for the purposes of balance transfers. I've had it since 2022. I've never used it to purchase anything nor has it ever been linked to any online account or app. It is not a shared card. I keep it in my wallet. On Tue 7 Oct, a £10 transaction came out, appearing to go to "AMAZON",…
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Possible unauthorized transaction - charity donation
I've just noticed a small £2 card transaction to a charity on my statement. I only made one other transaction that day so I'm wondering if it's one of them where a charity donation has been added on at the point of sale and I've missed it? Just wondering where I stand legally. I did not press anything to add the donation,…
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: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
