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Pulse/New Change of terms
I have always paid my statement balance in full each month to avoid interest charges. I now find that New Day have changed Direct Debit payment terms, for users who pay their balance in full, to collect the payment 10 days before the payment due date
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M&S credit card balance transfer - used my card number not account number
Hello! slight panic here as I’ve had a balance transfer approved and finalised from my M&S card to Capital One to get 0% interest. however I’ve realised my card number if different from my account number on my statement. I’ve used my card number when I think it asked for account number? my other card they are one and the…
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Cannot get my head around credit cards
As someone who's only ever had a credit card, despite reading the credit card information on here, and watching YouTube videos, I'm still not sure how they work. I mainly refer to paying it off "IN FULL" and interest rates. How I think I understand it is, let's say I have a 20% interest rate (with no 0%), and I purchase…
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How are credit cards funded?
I was going to post this on one of the Creation thread but decided that I would not sidetrack those threads. This is me speculating as I have no actual evidence. This post is countering the arguments made by those who say credit card companies are making lots of money from the interchange fees. As demonstrated below, I am…
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Apple Pay payment…six months late!
Good morning. I had to check my online bank this morning and I noticed a transaction from the company (that I have used on and off regularly a small business) It came out of my account yesterday, the only thing is I placed an order online and used Apple Pay but the date of the order which I had received was on the 16th of…
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Barclaycard account credit - can I send it to another bank account etc?
Hi I don't know if there's a workaround but if you don't ask... :) I'll have a largish credit going into my Barclaycard account soon, and as I owe money to someone for the original payment, I'd really prefer to send the money to them (without it going into my bank account and then back out again) Any ideas please? Thanks
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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…
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
