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Does using a credit card abroad have a negative impact on your credit score?
I've been offered a Nationwide Credit Card and it comes with no exchange commission. I am abroad for at least 10 nights a month for work so this would be ideal. However, I was told by someone, or heard it somewhere (honestly can't remember) that using a credit card abroad can negatively impact your credit score. I've been…
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Tesco Clubcard CC
Afternoon all, Just a curiosity here, but I'm wondering how the whole points thing works. I wondered if anyone knows and/or has experience with this card. My question is: If I were to spend, say, £200 on something using this card, would I have to wait until the statement is produced in order to get clubcard points? If I…
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Closure of Creation Marriott Rewards Credit Card
I've just had a letter day informing me that the above card is going to be cancelled at the beginning of December. Has anyone else had one of these letters yet ? Thanks
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Student credit card
Having just graduated part 2 architecture my dd is on 1 year placement then returns to uni to start part 2 for 2 years. She is wanting to start building her credit score - she is currently paid fr th year for her placement and has part time when she is at uni. She plans to get a credit card and spend a little on it each…
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John Lewis credit card - is a temporary credit limit possible?
I need to make a reasonably large payment for something (let's say for arguments sake £15k), and in an ideal world would put it on my JL card so as to benefit from the point/vouchers, rather than just use my debit card. I have a credit limit which is half what I need (e.g. £7.5k), so I called the card company to see if I…
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Pulse monthly interest charge advise
I have £1600 on the card maxed out, but I spend about 700 a month and replace that money so it's still maxed by the end of the month. Standard Purchase rate is 34.998 on the statement. I was charged £95.05 interest for the month and a overlimit fee of £12 as this took me over my £1600 for the month. The £95 seems high as…
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Section 75 or Chargeback advise?
Hi, I used my Mastercard credit card to pay for a service repair that didn't last long so I contacted the company under the 12 months warranty they promise for all repairs and they are not addressing my emails I sent them coming up with excuses not to do the warranty work even though I sent them the video of the fault.…
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Amazon Barclaycard - late DD collection
I got an Amazon Barclaycard a few months ago. There's a DD in force on one of my current accounts, and Barclays is supposed to collect the full amount due. The October collection worked exactly as I expected and intended. My November payment was due on the 14th (last Thursday). It's now Monday 18th and the money is still…
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Missing cash back and monthly fee on Santander Edge credit card
Apologies if there is a previous thread, I couldn’t find it ive just noticed that for the last two months I haven’t had any cash back on my Santander Edge credit card no they haven’t charged the monthly £3 fee either. I’m still within the first 12 months of taking it out, so should have had 2% cash back, up to £15. I’ve…
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Impact on credit report
My credit card got declined coz somehow the surname was misspelt during the application, they asked for documents which i sent but of course the surname didn’t match. The advice from Santander now is to cancel the application and apply again with the right data. i am worried how this would show on the credit record and…
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Balance transfer to wife's card from husband's card?
My wife has a 0% interest Balance Transfer offer on a credit card in her name. I have a different bank's credit card on which she has a secondary card? As far as I am aware, a BT to her credit card should only come from another bank's credit card in her name. It shouldn't come from a card in my name or a third party's…
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Rebuilding File - Credit Cards
Just wondering if I’m doing something wrong been rebuilding my credit file for around 2 years now with the usual suspects that gets offered to you when your file isn’t that great, capital one etc, anyways 2 years later after checking my eligibility on here I’m still only being offered those same cards yet 2 years of…
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First Credit Card, 0% Interest Period Coming to An End - What Now?
Hi all, I was hoping for some advice - I got my first credit card last year. I have been following all of the best practice guidance, and have never over-spent or been late with a repayment. I usually buy what I need and then pay it off straight away, using the card just to build up a positive credit score and so on.…
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Having a credit card registered at a different address to my home address
Bit of a weird question I suppose but I still have a credit card registered at my Mams address even though I moved out years ago! I was going to change it to my address but are there any implications pros and cons in doing so like will it affect credit scores or anything - its doing no harm and my mams going nowhere except…
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Balance transfer to closed account by accident
Hello I opened a MBNA credit card and thought the initial balance transfer I had done to a Barclaycard and Halifax card had not gone through. I then applied for a transfer again for a second time to a Barclaycard and Halifax card. All 4 then went through and were duplicated I have contacted Barclaycard and they have…
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When should I pay my credit card to avoid interest?
It's so difficult to find answer to this. My question is: Should I pay my credit card by the due date or statement date, to avoid monthly interest? I'm not talking about late payment fee. I heard if I pay my cc in full each month about 2 days (or earlier) before the ... date, they won't charge me interest. Which ... date…
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NatWest Credit Card Notifications for payments by additional card user
My wife is an additional card user on my NatWest credit card. I receive notifications when I have made a payment on the account. However, I do not get any notifications when she has made a payment. It is not a problem as she always tells me, but is anyone aware of a way around this?
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Vinted and Revolut Scam
I recently fell victim to a scam where the scammer imitated a Vinted add and advised that my item had sold. Payment was to be made via Revolut which I happened to have . Unfortunately instead of crediting my account they debited £250 via a push notification. I have now been advised by police that Revolut is not a fully…
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Best credit card solution for big house renovation?
Hi everyone, We’re kicking off a big flat renovation next week, which will cost around £45k. My builder accepts credit cards, including AMEX, and we’ll also need to buy kitchen appliances, furniture, beds, a sofa—you name it. I’ve already got an Amex Cashback Everyday Credit Card that I’ve been using since March. I’m just…
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Using Barclaycard CC to pay a deposit on a car purchase
Hi. In the past when I've bought cars, it's been a local purchase, so I'm at the premises and I've used a credit card to pay £100 deposit and get my receipt. This secures the car and potentially offers me some legal protection down the road (S75 etc). But I'm looking at a car now that I want to secure with a deposit but…
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: Stoozing first time queries by surreysaver
30 August at 3:55PM
