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Using 0% credit card for mortgage over payment
Hi, My window for overpayment on my mortgage is up on 31/8 and would like to keep up my plan to pay it off as quick as possible. I had some resolved health issue at the start of the year so this looks to be the best option. Repayment isn't an issue so would I be able to take a credit card out (as long as eligible), pay off…
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BT lack of offers
Are credit files ( hard searches) checked when offering BT? I've opened 3 CC of late for 0% purchases (M&S, Lloyds & RBS) all now maxed out, but now my BT offers have dried up (Natwest, HSBC & Barclays) where before I has having them every month.
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Lloyds Ultra Credit Card
Just seen that Lloyds have released a new Cashback CC with both no FX and 0.25% cashback. https://www.lloydsbank.com/credit-cards/ultra.html What are people's thoughts in comparison to the Barclaycard Rewards offering that is so often discussed around here?
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JAJA Minimum payment
Hi, Foolishly assumed my minimum payment was the interest plus a percentage of the balance which iis how previous cards had worked. I have been paying the card off but recently my balance has climbed so now having to pay the minimum for next few months. My interest rate is 40% so am trying to clear card and cancel ASAP. My…
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Vanquis travel credit card
I chanced upon this whilst trawling Facebook - has one unusual perk apparently - free airport lounge access if your flight is delayed 90 minutes or more. Also a facility for applying for refunds when compensation is due. No fees on foreign transactions when purchasing goods or services. Anybody got one and had experience…
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Prepaid US Visa with $1.02 Balance But Live In UK - Ideas To Use, Plz?
Was sent a prepaid US Visa card from a rewards app. Edit: It's a virtual card not a physical card so can't use it in a shop. The issuer is "Tremendous" and the balance is US $1.02. I live in the UK and am stumped as to what to do with it. Amazon won't accept it, Paypal won't accept it, I've added it to eBay but can't find…
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Unmanageable subscriptions and credit card challenges!
Has anyone got any insight here. I have a subscription with a well known tea provider. Over the years I have had several different subscriptions which I have managed to delay or skip deliveries as required. Service has always been excellent. Last month my usual subscription reminder came through and I tried to delay it but…
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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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How quickly can I change credit card provider without it hurting my credit score/history?
For context: This is my first credit card and I'm not looking to change to get more credit, I want to change because my current provider has been an absolute nightmare to deal with and their customer service has been terrible (by 'change' I mean get another credit card and cancel this one)
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Best Credit Card For Buyer Protection?
I am looking at a credit card purely for purchase protection (I do buy from reputable suppliers). This can be goods or services, so I mean chargebacks and section 75 refunds. Specifically one that is easy to deal with. I've not had any bad experiences, and don't need a card for delayed payments (cashback would be good…
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Getting refund via credit card
I purchased some theatre tickets for Paddington the musical from a site which I believed to be the official ticket site. I used my credit card to buy the tickets, once purchased I realised that it wasn’t the official site but a third party and I was charged £16 per ticket in fees. My question is that although the tickets…
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M&S Credit card rejected with excellent credit
I’ve just been rejected for an M&S credit card even though I have an excellent credit score low debts and pass all pointers so must be M&S algorithm think I’m not worthy..? I pass all of the “How to get a good credit score” etc and my ClearScore account shows I have no issues. completely perplexed at being refused ? would…
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Lloyds Ultra Credit card minimum paymt/due date weirdy
Tried uploading an image but it's not happening. When I check my app, the Statement balance is showing, but Minimum payment is showing as NIL and Due date N/A. Obviously this is wrong, and I've had to go hunting round to find the statement so I can get the correct details. OH also has a LUCC (different account) and his app…
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Told that Halifax balance transfer can't be made to MBNA card
This discussion was created from comments split from: Halifax zero balance transfer is a joke.
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MBNA to Lloyds / Halifax Balance transfer
Possible or not as part of same group. Lloyds saying only not possible to other Lloyds cards ?
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AI doing its own thing with online payments?
Autonomous action by AI has already spread online payments, as well as AI developers. A cautionary tale. Last night I tried to buy some unexciting car parts online from a well known (ie. legitimate) Audi supplier. I did so using a link supplied by them with a pre completed on line invoice. I tried to pay with Barclaycard:…
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Jacamo / JD williams overcharging (CHECK NOW!)
Hi, I wanted to ask if everyone with a JD williams or jacamo pay account to check their statements. I recently found them to be overcharging me on my jacamo account after firstly dismissing me at first and we're very blunt that they would fix it and refund the discrepancy but then I checked my JD williams account and found…
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Credit score help
Hello, I was wondering if anyone can give me advice on how to fight back on credit score being low due to missed payments. When I changed to a new bank account, I updated my phone contract with my new card details but every month they contact me saying I have missed my bill payment. Thanks so much in advance.
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Amazon Barclaycard
first time posting so hope this is the right place. I wanted to transfer a balance from the Amazon Barclaycard to a new 0% card. The new one said it wasn’t possible from Amazon Barclaycard. I contacted them via live chat and the confirm they don’t allow balance transfers out. How can this be right???
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NatWest needs IT staff
I started life with a Sainsburys credits card. Recently it was taken over by NatWest. I have to say at this stage that the changeover was straightforward and fine. I even helped my friend to transfer. The card continued as a master card until earlier this year I was informed this was changing to Visa. Fast forward until…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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10 September at 2:03PM
