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credit card limit offered a joke
have an AMEX that has 14k limit and a Nationwide with £3.5k. the amex doesnt work at an awful lot of places so wanted to get an MBNA visa card, computer has offered £5k. like !!!!!! i earn £25k aprox and have £40k savings no mortgage old fart etc. what gives?
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Does NatWest frequently offer 'existing customer' balance transfer deals?
I have a NatWest credit card with zero balance on it. Is it worth me keeping it in case they offer me an 'existing customer' balance transfer deal, or should I just close it? What are people's experiences with NatWest cards in this regard?
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Why has MBNA suddenly stopped offering me ‘existing customer’ transfer deals?
I’ve had two MBNA cards for several years now and throughout
that time they’ve always had ‘existing customer’ balance transfer and money
transfer offers available – usually something like 4%–5% fee for 12 months.
However, they have suddenly disappeared. Does anyone know what might have
caused that to happen? Is it a wider…
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Pending transactions at statement date?
I've ordered a few items from Amazon, but they're not due to be delivered until the 9th of January, which will be well after the next statement date, and the payment is currently showing as pending. If the payment is still pending, when the statement is produced, will this pending transaction appear as part of the account…
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Klarna
Hi, I am having problems with Klarna. I had a klarna card which stopped working. I was told I cannot make any purchases because I have another linked account with an outstading invoice with a Debt collection agency. I also had 3 interest free purchases which I cleared 2 off recently. They sent me an email previously with…
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NatWest Credit Card Trap
Hi, I recently took out a NatWest Credit card with 23 month 0% interest on transfers and transferred balances to around 45% of the limit. A few months later, they cut my limit by 50% which has directly affected my credit score, claiming a review of my circumstances, which frankly had not materially changed except to…
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TSB Credit card - we're closing your account in Feb
Anyone else had a letter saying this, that due to lack of activity, they're closing your account? The weird thing is they had a promotion where you had to use the card X times for a £10 high street voucher. I did this at the end of November. Still awaiting the voucher (I paid off the credit card almost within days) which…
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Switching a Barclaycard 0% spend to a BC rewards card
I've had a barclaycard 0% spending for slow stooze for about a year and a half and have just BT the balance away. I'd like to change it to a rewards card to give a foreign spending option, at the moment the app says no. Perhaps this is due to the way I've used it, so I will try using it for a few purchases a month, pay in…
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Getting a credit card as a student.
How to get a credit card when the rules seem dumb. I’ve suggested my daughter gets a credit card so she can
build a credit history for when she might want or need to buy a house or get a
loan for a car, it seems a good idea. But she’s a student and all the stuff on the web says you
can’t include your student maintenance…
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Barclays to Santander balance transfer - computer says no?
Hi wise people, does anyone know what’s going on with this one? When I try to balance transfer 3k from my new Santander card to Barclaycard on a 0% offer, the payment is taken from my Santander card for 48 hours, never appears on my Barclaycard, then the payment gets reversed back to my Santander card, with the message…
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Travel/0% Trade-off
Hi all. I have to pay my holiday fee in Euros. Last year I had a 0% spending card from HSBC. Worked ok, spread the cost, but cost me a fee of 2.99%. I do have a Halifax Clarity, which wouldn’t charge the fee (and maybe better exchange rate?), but wouldn’t allow me to spread the cost. Given that most 0% balance transfer…
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JL/Waitrose voucher not recognised
Hi all, Sorry if this isn’t the correct section to post in, but this seemed to be the one most closely related to vouchers. I’ve got a John Lewis/Waitrose voucher query and hoping someone here might be able to help please. I got a £200 JL/Waitrose e-gift voucher that can be spent in-store or online, valid from 22 Dec 2022…
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Credit Card to use in Florida
Hi All, I'm after a bit of advice on credit cards. As a Family we are soon due to fly to Florida to have our dream Disney holiday we have been slowly paying off for the last 2+ years. Although we have a bit of spending money saved I don't want it to feel like we're scrimping on bits throughout the holiday. What are the…
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Have to open Paypal account to pay with credit card
I have been trying to renew my annual sub to an organisation which I have been a member of for a few years. In the past I have logged into my members account on the organisation website and used my credit card. But now the only option on the site is to go via a pay with Pay pal button, but they say I don't need an account,…
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Barclaycard Platinum offer via MSE site
According to the MSE newsletter and soft search, I have a 100% chance of getting a Barclaycard Platinum CC with a 22month at 0%. However, the link didn't work. Has anyone else applied today? Edit, I found a way of applying though a different link, direct to Barclaycard, and it seems to have gone OK!
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Halifax Clarity: Why take 2 months to take interest payment on a foreign withdrawal?
Hello, I have a Halifax Clarity Card, which I use for foreign travel. Unusually, I had to use it in an ATM overseas. On my next statement I had an interest charged to this transaction. I was expecting this. I paid my next monthly bill in full. Why then did I get a further interest amount on the following bill? There were…
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Credit Card Balance Transfer - two cards
I currently have two credit cards both with approx 2.5k on - virgin and halifax. Their 0% period is due to expire soon. Both cards are offering me 0% balance transfer. Is it possible to transfer my Virgin to the Halifax to gain the 0% balance transfer period and visa versa.
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Section 75 Claim
Dear Esteemed Members, Need an advise please. Issue: I purchased a car a few months back using part Credit Card and Bank Transfer payment. Due to multiple issues with the car and the dealer refusing to fix them, I had to raise a Dispute with the bank. Chargeback and Section 75: The bank initially raised a chargeback claim…
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Using 0% Credit Card To Clear A Loan?
I have 2 loans with one company1 = 8.5% APR2 = 13.3% APR I have an offer on my credit card of 0% but with a 5% fee over 15 months. Would I be saving money if I used this to clear my loans?
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Being asked to agree to waive rights to a charge back - is this legal/enforecable
Is it legal and enforceable if you are asked to sign an agreement that you will not request a chargeback on a booking for services? I have just paid on my credit card for holiday accomodation next year. The company I booked with use a third party: "When booking with us your stay will be protected by a Deposit Guarantee,…
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: Lloyds 0% overdraft by pecunianonolet
29 September at 8:42PM
