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0% credit card minimum monthly payments - calculated ?
How do banks calculate the minimum payments on 0% balance transfer cards over the length (mths) of their offer. Excel Formula example ?
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Changes to Amex Express Rewards points
Had a letter today advising me of a change to the points rewards on my Amex Rewards Credit Card. As far as I can tell, the only downside is a new minimum redemption threshold of 5,000 points. I was wondering whether anyone else had received this notification and if so, are there any other downsides to the revised scheme…
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Section 75 Claim
Advice please: I paid on my Lloyds credit card for mechanical works to be completed on my husbands vehicle (new engine). I contacted Lloyds to make a Section 75 Claim due to the work
carried out was without reasonable care and skill which has now led to a dispute with the garage. The vehicle has been left unroadworthy!…
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Tesco 0% BT Card - transfer reversed..?!
Hope someone can offer some info..? I have a newly opened Tesco 0% BT card that I have submitted 2x transfers to, 1x from B'card and 1x from Halifax both are for less than £2k and the limit on the card is £10k. Both transfers appeared to have gone through as normal, with the additional transfer fee on the 2nd Dec, I have…
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Easier way to get long term balance transfer card?
I tried the MSE eligbility card checker. It seems that I can no easy get a balance transfer card with enough of long period to pay off credit cards. My salary has not really increased in a 2 years. Pitiful £2K. I used to be a contractor Outside IR35 (IT Software Consultant), but gave up contracting in 2021/2022. Closed my…
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Booking.com and S75
I was ripped off renting an apartment in Italy through Booking.com as it was nothing like as good as advertised. I'm told i can't use Chargeback as we stayed in the apartment and therefore 'accepted the contract'. (we arrived at 8 p.m and had nowhere else to go). I'm also told we can't use S75 as there can only be three…
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Question from newbie regarding cards.
Hello, I am new to cards having only held a few for a couple of months and hopefully someone will know the answer to my question. My Virgin card took out a DD payment of £50 yesterday which was the DD I set up at the beginning just to cover the minimum payment. Last month, I paid of my balance in full and so had a zero…
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dodgy call from visa, was it a fraudster?
I got an automated phone call from visa, saying they wanted to check 2 transactions on my credit card, £300 on amazon, and £1100 to western union, they wanted me to press 1, to discuss the transactions - I hung up, I'm wary enough I guessed it was a fake call, but was it for sure? Do visa ever make calls like this? I…
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Amazon Barclaycard - Update for those still getting RG105 error and can't register on the app
Just spoke to Amazon Barclaycard. Apparently those of us that are still getting the RG105 error and can't register out card using the app, will either be text or emailed on Tuesday to phone in and register our cards over the phone. (Funny as it's day 1 of Amazon Prime Days) Don't hold your breath
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BT Offer Period End Date vs 0% End Date
Trying to get debt under control, I have just been offered a 0% Balance Transfer card from Vanquis. Due to low credit score and having already taken out another 0% Balance Transfer in June, only managed to get a 6-month offer. But, the wording of the offer is confusing me. The offer in my email after opening the CC says:…
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Balance transfer - a stupid question
Hi all, this is a very stupid question I’m sure but one that I can’t find an answer to definitively elsewhere sorry. I’m looking to help my sisters debt problem by doing a balance transfer from multiple credit and store cards to a 0% balance transfer card. She currently has 2 credit cards and 2 store cards all with high…
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Started but didn't finish 0% Credit Card Application - MBNA
Morning all, I started an MBNA credit card application yesterday evening and frankly, towards the end I found I couldn't concentrate on it - it was asking for balance transfer details etc and I didn't have it to hand and my children were being children and I digress, I saw there was an option to basically come back to the…
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118118 Money - Actually not terrible?
I was just pre-approved for this card across Clearscore and Credit Karma and since being discharged from bankruptcy I've taken any pre-approved credit card offer that's appeared on these websites. They are all cleared in full each month and the limits all total maybe 5~6% of my annual income so far so there's no…
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Natwest credit card increase - tricky!
Hello mse forum, was just wondering if anyone has had a similar experience please for my sanity.. I recently requested an increase to my natwest credit limit from £3,100 to 6k so that I can put bigger purchases on it. I've been with natwest for over 20 years. I'm a boring and stable customer- never used an overdraft, not…
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Noob question on balance transfer cards
Hello all, I'm just curious. I have a PayPal credit account and a natwest credit card, both of which I have been working hard on reducing my credit usage on (should be below 75% on each this month). Is it possible to get a new balance transfer card (with 0% interest for X months) and transfer both of the aforementioned…
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Separate MR point account created for second Amex card
I already had Amex rewards card with around 30K Membership Reward points, and now I have opened a new Amex gold card, I was expecting the new gold card to link to the existing MR points account but to my surprise a separate MR points account has been created for new gold card with 0 MR points in it. This did not happen…
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Sent an email receipt from SumUp
I recently made a contactless purchase and was surprised to be emailed a receipt from a company called SumUp. I had not given my email address to the merchant or ever had anything to do with SumUp so I am concerned as to how my email address was obtained. I have contacted my credit card company who assure me that there is…
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Section 75 claim on faulty goods?
I purchased some Sony earphones in 2021 for approx £250 on my credit card. About 5 months ago, I did a firmware update and ever since then, the left earbud has become faulty and only lasts for about 20 mins on a full charge before it dies. I have looked online and discovered 100's of other users are having the exact same…
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I've just been scammed and I need help and to inform everyone.
I have just been scammed. I immediately spoke to my Bank(Barclays) and they are attempting to deal with it for me. Trying to speak to Paypal is a waste of time!! I have deleted the fraudulent sites from my Facebook account. The following is a thread from another site that perfectly describes what has just happened to me -…
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Should I close out a credit card? Which one?
I am interested in maintaining a good credit score and getting rid of unnecessary cards. Current Cards: HSBC (9k limit) - 0% - opened Nov 2023 - currently on track to clear the balance prior to the 0% ending. Amex Platinum (22k limit) - cleared monthly - Up for renewal in Feb 2025 but will likely cancel as only opened for…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Stoozing first time queries by surreysaver
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