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12 months (or less) left on plan 1 student finance - settle with 0 % Purchase credit card?
Hi, I have a plan 1 student loan and I've received a letter from SLC declaring that I'll have my debt paid off in less than 12 months. The outstanding balance on the student loan is approx. £2800 I have short term savings of £2500 (a pot which i typically dip into for frivolous spending e.g clothes, restaurants) Initially,…
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Virgin Money balance transfer
I see VM are offering a 27 month 0% balance transfer which would be very helpful. However, the card I'd want to transfer from is Nationwide and I wonder whether this might count as a transfer within the same group as Nationwide are attempting to take over VM. I don't know how far the takeover process has got.
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I never understand accountants language!!
Had problems understanding how accountants work in the past, I put money in and on the account it has a - symbol! But my email from Barclaycard really flumoxed me. I applied for a 0% credit transfer to another card. Email said "Your balance transfer of £++++ from card ending 1111 to your Barclaycard ending 2222 is…
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Zopa balance transfer scam
Hi I’m new here so please be kind. I have a credit card with zopa and got a 6 month 0% balance transfer which ended 6 may. You can’t pay towards the balance until the credit card is 0 apparently. Balance on cc 882 balance on bt 1450 29.9% apr but they can’t tell be how much I will pay monthly towards the balance transfer.…
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Balance Transfer - How Long To Go Through? MBNA to HSBC
Hi there, So the quick tale is last weekend on the 05/05/24 I applied for a new HSBC credit card with a 26 month interest free period on for balance transfers. On application I filled in the MBNA card details I wanted to move the money from, completed the rest of the application, and got the card on Thursday the 9th May. I…
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M & S Credit card
I have a m & s credit card which says no cash advance fee will be charged when buying foreign currency, is this a no no would it be classed as a cash withdrawal and go against me? Thank you for your replies
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Have I messed up?
I am new to stoozing I have a balance on MBNA card of around £5000 at 0 percent for about another year. I pay minimum amount and have the £5000 in a savings account. I have now taken the 0 percent fee offer of 21 months at 6.9 percent and MT around £7500 today on the same card and immediately did a BT of the same amount…
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Taking out new credit card deals
I have 2 CC. One that I have with Barclays for 20years. My main bank is now Lloyds for some time I took out a interest free deal about 3 years ago. I don't have any debt on the cards. I'm expecting a fair amount of spending soon and thought I should take out a new deal. Question is what shall I do with my existing cards?…
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Credit card terms changing - closing accounts
Hi all, I have both an Aqua and Marbles card, both are provided by New Day. They're both very high interest (49.9%) and I struggle to make anything more than minimum payments most months. They're changing the terms and conditions slightly and I have until 30 June 2024 to decide if I want to close the accounts. They've said…
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Fraud on a card I have never used - Barclaycard
Hello, Woke up this morning to repeated calls and texts from Barclaycard as they have blocked a transaction of £2300 on my card and they wanted to confirm this was me. Explained it wasn't, no money had gone from my account, and organised my replacement card. My question is however, as Barclays couldn't answer, is How did…
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Personal Load or 0% Purchase credit card
I am at the end of my PCP contract for my car and it's now time to pay the final payment and keep the car. I've been debating if it will be wise to pay the lumpsum of 12k through personal loan or should I take out a 0% purchase credit card. I have been saving for this and it's not availablily of funds but rather making…
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Order in which items are paid off when paying credit card balance
I have a 0% balance transfer credit card onto which I have transferred a few balances (around £6000) within the required timeframe. The offer is that as long as I pay the minimum amount each month, I will pay no interest for 13 months. That part is all clear to me and I have set up a direct debit to pay the minimum amount…
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Barclaycard Rewards Visa and US Car rental
The good news with this card is that we saved a fortune in transaction fees in a 3 week road trip across the USA this month. However - beware car hire companies!! Dollar, Thrifty and Hertz will not accept this card as it does not have a customer name on the front! Even though the card number and name are on the back! And…
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Barclaycard Freedom Rewards card
Just had the email from Barclaycard, the "Freedom Rewards Card" and scheme is closing. (Already not available to new customers). You can either close your card or move to "Rewards Card".
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118 118 Money will not let balance be moved to another provider
I have a credit card with 118 118 money and would like to move the balance to another card (FLUID) who are offering a 0% on balance transfers. I have the FLUID card set up but when requesting the balance transfer 118 188 money are saying no, saying that personal data information does not match - we have checked and 118 and…
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Too many new accounts opened, how long does affect last?
I've been a bit foolish and opened multiple accounts/cards at the same time taking advantage of various offers. This is despite there is virtually no credit being used on them. I have just tried to get a personal loan at a reasonable rate and been declined several times, along then with having the Hard Searches. My 'credit…
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PayPal credit and increasing limits
Hello everyone: Firstly I would like to point out that I know people do get into trouble with PayPal credit and that it is a frequent topic of conversation on the Debt Free Wannabe forum. However, I have switched on the notify me if you want to increase my credit limit thing and I have accepted limit increase from 800 odd…
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Defective Barclaycards
Defective Barclaycards. Despite being placed - in my wallet - alongside my credit cards with other institutions, my most recent three Barclaycards have only lasted a couple of months before they have become defective (unable to be read at ATM/EPOS systems). Am I unlucky or are others experiencing this problem?
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buying a gift from Amazon US for friend in US - best way to pay?
Hi All, I'm buying a surprise gift for a friend who lives in the US. I can get this via Amazon and because I'm spending over $35 it's free shipping. Great. But then it gets to the paying for it bit. I'm using my UK credit card and the site asks if I want them to convert the amount into GBP (for a fee) or do I want to pay…
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Balance transfer
Hi, if I do a 0% credit card balance transfer, and the offer is for say 20 months, but the purchase offer is only for 6 months, so after 6 months if I purchase something the interest is only applied to the purchase, not the whole balance? I realise the point of the balance transfer is to have no interest so make it a…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.1K comments
Most recent: Lloyds 0% overdraft by pecunianonolet
9 December at 4:32PM