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AMEX Gold card renewal or downgrade?
Hi there, I have taken out an Amex Gold card last year in July and in a month the renewal would be up, which would cost me £195 to have it for another year. As great as the benefits are, the price is not worth it for me to extend it's term as I have only made limited use of the offers. I am not sure yet, if I downgrade to…
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Best Credit Card for Rewards
What is the best credit card in terms of value of rewards? Appreciate it all may depend on what you are after, but technically, in terms of pure value, what is the best credit card for the rewards you would receive?
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Is this worth it Stoozing
I have an offer from Barclaycard 2.9% balance transfer (which i can get as money through using the Halifax Clarity as a mule) this offer is for one year. I have a large credit limit with Barclaycard (around 10k) With interest rates generally reducing. I could only expect to earn £450 maximum if i can get and keep 4.5% for…
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APP Fraud Santander Edge credit card
Just fyi, I was impacted by an APP fraud on my Santander Edge Credit card and they wouldn't pay out. They said I had made the payment so they could not do anything. I have repoted to action fraud (who just tell me to be more careful) and the Ombudsman who I'm unsure of yet, but I can post here if I get a positive response.…
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Unsure if I should increase credit limit
The bits I think are important: - Hoping to get a mortgage at some point this year (though it looks like most places are above my comfortable price so unsure if this really will happen) - Monzo are offering me an increased Flex limit of £3550 (with a deadline of 27 June) so it's not like I'm asking for more credit? Current…
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Current Account / Credit Card Application
Which banks won’t credit score you for a credit card if you already hold a current account with them 👍
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Opinon on using Money Transfer
Hello all, I want to ask for opinions on whether it is a good idea. At it stands, I got a loan of £9,220.56 with MBNA at 8.90% (Paying £196.99 per month for the next remaining 57 months). However, Barclaycard is offering me up to £10k in money transfer with 4.5% fees and 0% interest on this balance until 1 February 2027…
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Balance transfer cc - how to work out monthly payment
Hi all . Hope all are good 😊 I am looking at transferring a cc balance to a n othe. I have done Martin's check & have been pre approved for 4 cc. Before I choose which one my Q is - at what stage will I know what the minimum monthly payment would be ? And how it is worked out? Haven't done this for a while , from memory…
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Transferring Zable to barclaycard
Hi. I just got a new Barclaycard transfer balances from Zable and Vanquis. I’ve done the Vanquis one but the person on the phone said they do not accept transfer from Zable that was the main reason really as the interest is so high. Is there any way around this? Or just need to focus on making larger payments I noticed…
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Using credit card to buy used car (and pay back using savings)
We have a bit of money set aside for our children, but need to buy a car now. We could pay cash for one, but my idea was to get a 0% credit card to buy the car, so we keep earning interest on the savings. The trouble is, we've never had a credit card before (aged 50) and all Tesco would lend us was <£5k. This is a bit…
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Help! Chargeback issue with Lloyds
Hello everyone! I purchased a beauty lamp on eBay in February using my credit card. Around 2 months later it had stopped working. I contacted the company through eBay and was asked to send videos etc of it not working which I did, I was then totally ignored. I contacted Lloyds to discuss a chargeback, the said I needed to…
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I'm clearly not 'getting' the Barclaycard fees abroad thing.
So I Googled & was under the impression the Barclaycard card didn't charge you anything (so long as you paid off in full). There was another site I was reading but I'll link the MSE site to the…
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Allocation of payments on 0%
Can anyone advise me from their own experience how NatWest and Lloyds allocate payments where you have two (or more) 0% balances with differing expiry dates? I have existing 0% balances on these cards, with further 0% offers, but the T&Cs only state payments are allocated to balances in order of percentage, but with no…
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Virgin Money Credit Card - No online access without app
Well, finally I lost the use of the app on 5th June, when the requirement changed to Android 9. Went to website only to find there is no access using web browser at all. The only option, now, seems to be by telephone, and that takes quite a while to get through security and all the option menus. This is the only financial…
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Monzo Flex Card
I opened this when i opened a new Monzo account to compliment the starling and Halifax clarity card for usage abroad as it doesn't load onto the Mastercard wholesale rate unlike the clarity card However paying it seems such a faff! I dont understand why i cant pay it by DD or manual bank transfer from my building society…
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Do I still need to report a transaction that failed to clear pending?
Yesterday an Amazon purchase that definitely wasn't me showed up as pending. This morning all pending transactions have processed and it is gone. The card is frozen for now but is it worth reporting and replacing the card or are there ways this can happen by mistake?
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Hitting Amex 3k spend
Hi took out a amex gold rewards card for the reward points as I am going on holiday this year and thought I would easily hit the spending in 3 months. However as I found out some of holiday expenses won't accept amex like certain hotels. What other ways are there to manufacture spend.? I have already looked at utility…
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Zilch rewards
I use Zilch (mainly the Pay Now to get the rewards). I built up my rewards to just over £180 and used this to pay towards some internal doors (with the rest being paid over 6 weeks). When the doors were delivered they were the wrong size so I sent them back to Wickes for a refund. As they were delivered by 2 different…
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Can you apply for a credit card with a bank you do not have a current account?
Can you apply for a credit card with a bank that you do NOT have a current account with? Is this standard? Have you done this yourself?
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MBNA credit card now okay for foreign transactions?
I noticed this statement in the updated T&Cs for MBNA credit cards: We’ve changed the name of the “non-sterling transaction fee” to “non-sterling purchase fee”, and we’ll no longer charge this when you use your card for cash transactions in a foreign currency. A cash transaction fee may still apply. It seems as though the…
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
