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What should I do after paying off my credit cards
Hi all, I’ve got about 3 seperate credit cards, I decided to pay them off and put them onto a loan as it will allow me to pay them off faster. Now that they are all payed off do you recommend that I close them or should I keep one or all of them open?
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Am I a Homeowner?
When applying for credit, what option shoild I tick? Homeower - with mortgage OR renting? I live with my husband, he has a mortgage (in his name only) for the property we live in. I am not named on the mortgage at all, but we are married. I do, however, pay a set amount into our joint account each month which is used for…
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FOS Time Scale
Hi All, I started a case with the financial ombudsman with a complaint against Aqua Credit Card. My complaint has been upheld by the investigator but as Aqua have not responded with in the time frame then it has been referred to the Ombudsman to look at. Has anyone had experience with this, or have any idea what the time…
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Is it worth applying AMEX
Hi there, currently i have a score of 812 on experian and 512 on equifax/clearscore. I have 3 credit cards already totalling to £2200 limit. The amex checker is saying i am ineligible for the AMEX cashback card but MSE says i have a 80% chance of getting accepted. Is it worth me applying? I have only had my 3 cards for the…
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Nationwide Eligibility Checker
When you do an eligibility check with Nationwide how does the soft search show on your credit report in the soft search section?
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Credit issue.
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MBNA credit terminated with immediate effect?
Hi, Posting on behalf of my mother. She is a pensioner and applied for an mbna card with a 0% spending offer. She has cash in the bank and a good credit history, only other credit is a barclaycard which has a zero balance. MBNA granted her the card, she used it and was servicing the card for about 4 months when she logged…
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Monzo Flex refund
I was returning an unwanted purchase in a shop the other day that I paid for on Flex. Opened up Google wallet on my phone, selected Flex card and it said this method isn't supported. Had to choose my normal CC (Tesco) to get my refund. Has anybody come across this? Thinking I might have to physically have the card on me…
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M & S credit card - Rewards Club
I received a message today which I cannot now find, possibly deleted in error.Just wondered if anybody else has the full details.The benefits are being improved from what I hurriedly noted.
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Post Office (Capital One)
Applied for above, 0% for 18 months. MSE eligibility and their soft check said 100% chance of acceptance subject to security checks... Completed the application and to the 'do you want to transfer a balance?' applied for a BT of 3k and got immediate "It's a Yes! Click to continue..." After some time it then said they need…
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Amazon Barclaycard and Google Wallet
Has anyone managed to add a new Amazon Barclaycard to their Google Wallet? Is there a knack to it? I've made two attempts and failed twice. The first problem seems to be the way that Barclaycard lay out the number on the back of the card - in portrait format with four rows of four digits, rather than sixteen digits in a…
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Credit card payments getting declined and blocking the card
Hi all, I have a credit card that I always use for spending overseas and for overseas websites, but recently payments have been getting declined and the bank is blocking my card and I have to call the fraud number to get it unblocked. This has happened 3 times on the same website and I have had to call 3 times to get it…
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Balance transfer
So quick question say you have £8000 available for a balance transfer 0% for 14 months and have £1,800 and 1,100 on another 2 cards at 29% apr each. if I was to transfer these 2 cards to the 0% I can at this moment maybe more after Xmas pay £120 a month so that wouldn’t clear the 0% in time so should I only transfer what I…
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Which credit card companies uses which credit agency?
I just applied for a Tesco bank credit card as I'm very close to my 12 month interest free ending this month. Dismayed to be turned down though, whereas a year ago had no problem with Virgin money (the card I'm wishing to transfer balance from). It said on the decline page they used Transunion. I was hoping to apply for a…
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Section 75 associated costs
Hello MSE hive mind! I recently had a flight cancelled in the USA due to adverse weather and had to book into a hotel overnight until I could get the new flight. I have tried to claim the associated costs through my American Express but they have come back saying that there wasn't a breach of contract so can't be refunded…
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Maths question - Pay off 0% spending card with savings or balance transfer and keep savings?
A while ago I had a large purchase to make. I had the money in savings but decided to keep my savings and make the purchase using a Tesco 0% spending card while just paying the minimum amounts. The 0% period is nearly over and I planned to pay the card off with my savings until I received an offer from another of my…
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section 75 claims/consequential damages
is there any one that know section 75 law well recently I purchased a dash cam and fitting from halfords with my amex card they spent nearly 3 hours trying to fit it before giving up. doing around 1300 pounds worth of damage to my dash board and cars interia trim. they refunded me for cam and fitting and admited damage I…
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Questions from credit card newbie
Apologies in advance for what may be a stupid question, and the long thread for what is essentially one pound of interest, I am just trying to understand how things work I’m a bit embarrassed asking this as finance is actually my area, but consumer credit is not something I’ve ever touched either professionally or…
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Nationwide blocked my credit card while abroad
In the middle of my holiday Nationwide blocked my card. I kept trying to use it thinking it was just some transaction/contactless error like you sometimes get. When I got home they'd sent a letter telling me it was blocked. I complained because 1. they shouldn't have blocked it, there was no fraudulent activity and 2. they…
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Card details saved with stripe.com
I have just completed a booking for a restaurant which couldn’t take payment of the deposit by credit card over the phone, but sent me a payment link. After I’d put in my card and personal details, there was no way to progress the payment without saving my card details through an entity called “stripe.com”. I prefer never…
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: Are BT 0% offers usually on new cards? by kimwp
5 August at 9:57AM
