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DD Turning 18 - Building Credit
Hi everyone My oldest is just turned 18 I would like to help her build a great credit score What's should we start with? Something for everyday spending? What's products should we apply for Credit cards, over draft? I had a quick look at credit cards but the system (mse pre check) says she can not get any of them yet…
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Money Transfer Card to a Balance Transfer card- is this possible?
Hi all, So I got myself in a bit of a silly situation. I used a Monzo flex and have been building up the money on that account (£3,500), not realising how much interest I was paying (29%) I was paying off the monthly balance each time but with the amount of interest I was accruing, and the reliance on the flex account, I…
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Bodged double glazing paid by CC
I had new double glazing fitted last year. Paid for by credit card in 3 instalments.1 deposit July2 September after completion but held back amount due to 1 botched window. 3 November after replacement of botched window which still not adequate but was assured it was ok. Got the fensa certificate. Front composite door is…
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Barclays no option available
I had the Barclaycard rewards card which I cancelled back in September. I now want the free avios card but in the app when I click on “change to different card” it always comes up with “no options available”. Has anyone encountered this before?
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Is Shop Pay safe/legit?
There's something I'd like to buy online with my credit card but the only option in this particuar store is to use Shop Pay. I've never heard of it, and googling doesn't seem to indicate anywhere I can look to tell me whether it's legit. Is it safe/legit? If so, how do we know that?
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Section 75 claim protection for group holiday booking
Thanks for any help on this. If I make a booking with a foreign tour operator on an AMEX or Mastercard credit card for myself and 5 other people in our holiday group and the tour operator doesn't provide the service will I be able to make a S75 claim for all 6 of us? i.e. the total payment? The tour operator is based in…
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Refunds on credit card
Purchased some items from Amazon on my credit card totalling £120. So balance on my credit card is £120 as nothing else purchased on it recently. I returned the items to Amazon who earlier today issued a refund, and i can see them under pending transactions as a credit. On the Halifax app it says my credit card balance is…
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Do I close one of my credit card accunts
Hi all, I have 1 main credit card which I use every month, a balance transfer card and now a 2nd balance transfer card which I've just opened and transferred the outstanding amount to from my 1st balance transfer card. My question is should I now close my 1st balance transfer card as I have no intention of using it and my…
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Low minimum payment on % balance transfer cc
Hi 0% Balance transfer deal coming to an end & looking for new one but how can I tell what % the new cards minimum monthly payment will be without contacting each card provider? Any deals out there with a low % minimum payment? TIA
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Amex Everyday cash back vs Amex Cashback (with fee) Optimum spend?
Hi, I'm struggling to work out what the minimum spend should be to make it worth paying the fee. I currently have the Amex Cashback with fee, rules being 0.75% cashback up to £10,000/yr, 1.25% cashback above, £25 fee. The other option is Amex Everyday, 0.5% cashback on first £10,000 spend, 1% above, no fee. I'm ignoring…
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Balance Transfers
Hi there, I'm hoping someone might be able to give me some advice. I have a credit card I want to do a balance transfer on and have signed up for a new credit card to do this. The amount I want to transfer is just over £2000 and mistakenly I signed up for a new credit limit on new card/bank with only £1500 credit limit.…
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Scam victim
I, very stupidly, feel victim to a scam text and gave my credit card details. I sorted it out and cancelled my card before any money was spent luckily but was told an Apple Pay had been set up on my card. I've just seen a text message sent last night with a pass code to activate Apple Pay on my card and then a text…
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Plutus card
Anyone still using this? I've supposedly got 100 PLU on it but I can't see how to get them out. My card is attached to an external wallet, but the "Sell" button is disabled. It's so incredibly complicated now that I'm not sure it's worth pursuing. Thanks.
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Section 75 Question
Quick question, if my wife buys me something on her credit card does S75 apply? Order over £100, invoice/order details in her name? @born_again
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Travel card options
So I'm going to the US in a few months and looking to get some kind of fee-free spending card to use over there. I was trying to get Barclaycard to switch me to their Rewards card which would have been ideal but, after they point-blank refused, even though I've been with them for 20+ years and put 5 figures a year through…
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Aqua Reward MasterCard exchange rate
Hello..just got my aqua MasterCard bill after a trip to Spain.. noticed rate on January 20 for a euro purchase was only 1.1796. Online sterling -euro exchange rates for that day show the exchange rate never dipped below 1.18. The same occurs on every day of that holiday.. the rate is less than lowest recorded on the online…
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Refund never came, even though the CC company says so
Hello! I ordered an item that cost $2000. The order was canceled upon my request. I waited for the money to return to my account, but that never happened. This is a couple of months ago. The strange thing is that on my account there is a deposit for that amount, let's say 3rd of Jan. 24, but the next day it's a withdraw…
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Cutting interest debt
Hi all, I am VERY new to the forum. I am wondering about the best way to handle an opportunity to possibly cut interest debt but without shooting myself in the foot based on the percentage of credit usage. I have 2 credit cards and I have been handling them well and working toward paying them off entirely. I also have a…
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Didn't realise I'd spent that much.
Just received my first annual statement. Seems I've spent over £4,000 in the last 12 months. :open_mouth: Didn't seem anything like that amount.
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hard searches impact
can i ask the view on hard searches or credit applications over a 12 month period , will an underwriter for mortgage question this - we are LTV of 51 % and have no defaults etc but have had a couple of loans with monzo and paid off in a short period of time to consolidate some previous debt - will this be a massive factor…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by WYSPECIAL
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