-
Section 75 - arson - insurance
Please can anyone help I have no idea where I stand. I purchased a car in August. The car developed a fault. This was over 30 days but less than 6 months so I was entitled to a repair. The dealers refused to repair the vehicle and refused to discuss my complaint with me in anyway. Aside from the initial replies saying they…
-
Close account that is paid off
Hi all Should I close a credit card account that is paid off and will attract interest if I I use it. I have m and s card and a lloyds card that are both paid off I have two card that have a balance on with 0 percent deals needing next year which will be paid off then M and s 6k limit Lloyyds 7.5k limit Halifax clarity 4k…
-
Amex Platinum - value for money or not £600 annual membership
My wife and I use our Platinum Amex for all purchases where they accept it. There is no APR as such as the conditions are the payment is cleared in full each month by DD so we only ever have 30 days or so credit. The annual fees are £600. We probably spend >£40k annually which includes holidays (2-3 a year), household…
-
0% balance transfers
Does the transfer have to be from another credit card? Or can you transfer a balance from PayPal credit?
-
Lost CC and the missing refund.
Problem solved. Please delete mods. Thank you.
-
Barclays avios plus intro bonus
Hi everyone have a few questions about the bonus miles: My partner has main card and i have supplementary card If the spend threshold of £3k is reached before the 3 month time limit ends does it trigger the avios miles to be added or does it only trigger once the qualifying 3 months time limit has ended? I understand that…
-
RBS Black Credit Card and Costco
Does anyone know if RBS Black credit card counts Costco as a supermarket and hence 1% cashback (versus 0.5%)? I have a large-ish one-off purchase coming up and need to decide on which card to use.
-
cashback card or 0% purchase card?
I have always gone for cashback cards - 1% or even 2% (Santander Edge) wherever possible. Pay back in full every month of course. Just realised if I had gone for 0% purchase card and put what I would have paid back into even a simple savings account (eg Marcus 4.3%) I would have got the equivalent of 4.3% cashback (12…
-
Are credit cards open to APR negotiation?
A bit like how they are open to increasing your credit limit, are they equally open to negotiating a lower interest rate? I don't think I've ever heard of this before, and by that I've maybe answered my own question, but it's a curiosity I wanted to explore anyway. Will they negotiate? Will just asking the question leave a…
-
Pulse/New Change of terms
I have always paid my statement balance in full each month to avoid interest charges. I now find that New Day have changed Direct Debit payment terms, for users who pay their balance in full, to collect the payment 10 days before the payment due date
-
M&S credit card balance transfer - used my card number not account number
Hello! slight panic here as I’ve had a balance transfer approved and finalised from my M&S card to Capital One to get 0% interest. however I’ve realised my card number if different from my account number on my statement. I’ve used my card number when I think it asked for account number? my other card they are one and the…
-
Cannot get my head around credit cards
As someone who's only ever had a credit card, despite reading the credit card information on here, and watching YouTube videos, I'm still not sure how they work. I mainly refer to paying it off "IN FULL" and interest rates. How I think I understand it is, let's say I have a 20% interest rate (with no 0%), and I purchase…
-
How are credit cards funded?
I was going to post this on one of the Creation thread but decided that I would not sidetrack those threads. This is me speculating as I have no actual evidence. This post is countering the arguments made by those who say credit card companies are making lots of money from the interchange fees. As demonstrated below, I am…
-
Apple Pay payment…six months late!
Good morning. I had to check my online bank this morning and I noticed a transaction from the company (that I have used on and off regularly a small business) It came out of my account yesterday, the only thing is I placed an order online and used Apple Pay but the date of the order which I had received was on the 16th of…
-
Barclaycard account credit - can I send it to another bank account etc?
Hi I don't know if there's a workaround but if you don't ask... :) I'll have a largish credit going into my Barclaycard account soon, and as I owe money to someone for the original payment, I'd really prefer to send the money to them (without it going into my bank account and then back out again) Any ideas please? Thanks
-
Does using a credit card abroad have a negative impact on your credit score?
I've been offered a Nationwide Credit Card and it comes with no exchange commission. I am abroad for at least 10 nights a month for work so this would be ideal. However, I was told by someone, or heard it somewhere (honestly can't remember) that using a credit card abroad can negatively impact your credit score. I've been…
-
Tesco Clubcard CC
Afternoon all, Just a curiosity here, but I'm wondering how the whole points thing works. I wondered if anyone knows and/or has experience with this card. My question is: If I were to spend, say, £200 on something using this card, would I have to wait until the statement is produced in order to get clubcard points? If I…
-
Closure of Creation Marriott Rewards Credit Card
I've just had a letter day informing me that the above card is going to be cancelled at the beginning of December. Has anyone else had one of these letters yet ? Thanks
-
Student credit card
Having just graduated part 2 architecture my dd is on 1 year placement then returns to uni to start part 2 for 2 years. She is wanting to start building her credit score - she is currently paid fr th year for her placement and has part time when she is at uni. She plans to get a credit card and spend a little on it each…
-
John Lewis credit card - is a temporary credit limit possible?
I need to make a reasonably large payment for something (let's say for arguments sake £15k), and in an ideal world would put it on my JL card so as to benefit from the point/vouchers, rather than just use my debit card. I have a credit limit which is half what I need (e.g. £7.5k), so I called the card company to see if I…
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: Are BT 0% offers usually on new cards? by kimwp
5 August at 9:57AM
