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House Renovation/Extension best way to finance
Hi I am new to this but here goes. We are looking to start a scheme of renovation and extension on our house. We would like to pay off the works prior to our mortgage renewal in 3 years time. What’s the best way to finance ? I have read that maybe two 0% credit cards could work ? A money transfer and a payment one? That…
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What's the best Amex and non-Amex credit card combination
I currently have the Amex platinum cashback credit card, and it's been pretty good. A £2-3 hundred cashback each year I'd say I get. However, I'm finding more and more places won't take Amex, meaning I usually resort to my debit card. This seems a waste when there are Mastercard and Visa credit cards that offer rewards,…
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Debt and need a 0% Balance Transfer Card
Hello. I have some debts that I need to pay off and I saw MLMSE on tv the other day talking about 0% balance transfer. However, I have used the eligibility calculator and I am not eligible for any. What can I do?
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Amex rewards credit card
I chatted to Amex about cancelling my Amex Gold card because of the annual fee. The assistant suggested I could change to Amex Rewards Credit Card, which has no fee, and asked if I wanted to take the FREE optional Insurance. I'm puzzled. Why is it optional? Is there a catch? If I agree to take take the insurance will I be…
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Barclaycard Credit Card Cashback
I had an email from Barclays saying you no longer had to wait until you earn £5 cashback from the rewards partner website. I have tried claiming mine but it says I don't have enough funds even though an email I have states this should no longer be an issue. Has anyone else had the email and has anyone else claimed leas…
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Requesting an increase to credit limit on a new credit card
Hi all, please can I ask the likelihood of a credit limit being increased just after approval? I am 26 and I have never had a credit card or any loans before. However, I am looking to pay for a holiday to celebrate me and my partners engagement. Thanks in advance!
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S &75 protection and cap
Hi all, I am just about to buy a new-to-me car and it looks as thoug hthe cost is liekly to be around the £30,000 mark which made mne wonder about how the ca is worked iot for the purpose of retaining the protection. I know thattit doesn't apply if the cost s over£30,000 - if I were to buy a car that had a sticker proce of…
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Section 75
Ii were to pay my annual golf fees £950 using a Credit Card and the golf course goes into liquidation after 6 months would I be able to use section 75 to claim back 50% of the monies paid as they have failed to supply the goods/services for the full year? regards worriedgolfer...
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Backup Credit Card options
Hi all, new account but a user several years back. I've had my Creation credit card account closed - seems to be a current thing. I'd had it for about 8-9 years and it was primarily for overseas spending (best card at the time) but also as a backup to my AMEX. It hasn't been heavily used past 2-3 years - maybe once or…
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Prepaid cards. Should I use them.
With all the talk since COVID-19 about using credit cards, I am thinking of a prepaid card as an alternative to using my regular credit card for daily use on low-value purchases. Since it's backed by Visa, am I right in thinking that it will be accepted in all outlets that Visa is? Does anybody use this card on a regular…
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Klarna finance with two jobs
sorry if this has already been asked but i want to take out finance on a bicycle with klarna, I have two part time jobs of 15+ hours a week, would i put down as a full time job or part time? when trying with part time i only had the option for one job and it didn't go through, never done this kind of thing before so any…
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Business reward credit cards
Does anyone know of any reward/cashback business credit card that hasn't got restricted categories of retailers? Capital On Tap card that I got a few months ago restricts payments to financial institutions as it alleges they are not happy to pay for borrowing. These payments are not borrowing but rather paying for genuine…
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Leave open or close?
Is it better for your rating to have credit cards left open? Iv currently got 3 not in use Am I better off closing them and then get one when I need one or leaving them open ?
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Balance transfer when balance includes pending
I am planning a balance transfer from a credit card (I've already got a balance transfer card). The balance shown on that card includes a pending amount. So can I make a transfer that includes that amount or should I only transfer the amount of the transactions can do. Obviously I could just wait until that item ceases to…
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Best way to clear PayPal credit debt
I have around £515 of debt on my PayPal Credit that I have been slowly chipping away at but have barely made a dent in. I am now in a position to pay it off in cash, and I am wondering if there are any implications of doing so. Will it positively or negatively affect my credit rating, which is poor at the moment—not due to…
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Credit Card Account Missing
I bank with HSBC (Midland when first opened the account) and either from the beginning or soon after I had a credit card. When I accessed my account online over the weekend just gone, I noticed that it's no longer showing in my list of accounts. The weekend was the first time that I noticed that it wasn't showing there. I…
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First credit card
I have some small debts that I'm only paying the interest on eg Currys and Argos cards. Would it be beneficial to transfer these to a 0% interest credit card over 18 months or is this not what credit cards are for?
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John Lewis gift card expired
Hi, I recently realised that a John Lewis gift card expired at the end of Jan, so approx 1.5 mths ago. I contacted their card services and they are refusing to honour the credit. Just wondering if anyone has had a similar experience and manged to get them to honour the credit. I had expected John Lewis to be more flexible…
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Merging CC limits?
Similarly to the other recent thread about increasing limits on a new card, I’ve recently taken receipt of a new Halifax card with 27 months 0% balance transfer. I’ve moved all my other CC debt onto this card, but in doing so will be around 85% of the limit of the card. I’ll have paid this off inside of the offer rate, so…
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Credit card fees?
I have a Barclaycard and want to get a more ethical card. Ideally I'd like a reward card but I'm not eligible (I have a good credit rating but low income). As I don't have debt and won't get rewards the only advantage of a credit card over a debit card is the insurance - and I hardly ever spend over £100. Is there any…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by WYSPECIAL
13 January at 8:12AM
