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Eligibility Search Limits
As responsible borrowers, we are being encouraged more and more to check eligibility before applying for any financial products. This often involves a soft search. However, I am noticing more and more lenders are limiting the number of checks a customer can do within a certain period of time. This includes RBS Group and…
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Amex - £10 cashback on £750 spend, 3 times
I was checking my Amex online and clocked a nice little earner - £10 cashback for a minimum £750 spend which can be used up to three times until 6th November. Open to the first 5,000 member applicants - Amex confirmed that I had enrolled in time to enjoy the offer.We have a special event holiday in 2025 so I can tailor…
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Section 75 - bad workmanship
Hi, Looking for some advice please on a recent flooring installation we had completed. The majority of it is fine in the living room and hall however the kitchen is poorly done for a number of reasons (not enough screed, badly cut and shoddy looking round island, loose tiles) and I really ideally think it needs completely…
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Zable usage example
Forgive me if I have ploughed deep beyond something that is obvious on surface but I can't find any example of usage and when charges apply on this Zable card. I know the APR is deadly but I intend only to build my credit rating not use it to obtain debt/lending charges. But for the life of me I can't see any solid…
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Halifax Clarity in Peru
Anyone shed some light on why my Halifax Clarity card won't work in Peru? I've tried it with 2 different merchants on 2 different days with the same results. 'Tapping' returns a red cross on the merchant terminal and inserting is exactly the same in both cases. I've done a chat with Halifax who assure me everything is OK…
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Amex not allowing balance transfers
So just called American express to ask why my balance transfer request to a pre approved 0% Santander credit card won’t go through and the customer service adviser said that Amex do not allow balance transfers? Is this true?
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Lloyds Credit card
I have a lloyds current account and credit card. I am looking for another credit card. I tried applying through the Lloyds app and it says I am not eligible for it. When I apply through there website without logging in, it comes pre approved with 7.5k credit limit. I know this is not guaranteed. I wonder if it will be…
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Amazon Barclaycard Statement Date
Is there any straightforward way of knowing when Barclaycard statement periods end before the statement is generated? When I got my card, I wanted to change the statement date, because the random date that Barclaycard set was slightly inconvenient. However, I discovered that they don't operate a fixed statement date +…
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Existing customers treated worse than longstanding loyal ones
Two examples Santander balance transfer offer of x mths interest free and no fee thru money supermarket Lloyds similar offer with x% bal trans transfer fee but x mths purchase interest free I have cards with high limits with both banks (been with Lloyds since my teens) Neither will give me the same offer on my existing…
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Which cards have regular 0% balance transfer offers?
Hi. Just wondering what companies do regular 0% offers? Occasionally for bigger purchases I like to use the card and then move it to a second card to make use of the 0% offers. I currently have Virgin and Barclaycard that have offers almost monthly, so they’re always available when required. But just contemplating a…
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Is using chargeback worthwhile in this case
I paid with my credit card for a repair to some electronic equipment. The company I used had a diagnostics fee of around £350 to investigate and perform testing. That was then followed by a repair fee which is charged according to what work had to be done and this was aprox £900. They diagnosed the equipment, said it was…
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credit card charges
I bought a ride on lawnmower of a local firm, paying by credit card, unfortunately after one use it stalled every time I engaged the deck, they agreed to take it back and refund me the money, I did not hear from them for a week so disputed it though the credit card company, they then said that it had a scatch on it where…
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Problem with balance transfer
So seeing if anyone has had this problem? ! Requested a balance transfer for my new credit card ( first direct) to clear the balance off my old credit card ( NatWest). Now this was done last Thursday and the balance on my new card is showing the balance I requested off my old one. Fast forward 8 days later and my old card…
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Direct Debit payment date Tesco Credit Card
I am just wondering: Every month when my Tesco Credit Card statement arrives it always states: Minimum payment due on a specific date. The statement date is always the same every month. Every month, without fail, the Direct Debit is taken about five days before the payment date specified on the statement. I have ticked to…
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Long 0% purchases cards with no foreign transaction fees
Hello all, I need to make a large purchase in $ soon, so I was looking for a credit card with long 0% purchases but also no transaction fees on foreign currency purchases and no monthly account fees. I have spent a LOT of time looking and the best I can find is Virgin's Travel Credit Card, but it is only for 9 months. Does…
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MBNA credit card
Has anyone been stung by MBNA's credit card offering 18 months interest free then the small print says only applicable to purchases made in first 60 days? I have been heavily stung by this. They did not make it explicit and it all seems like a hoax to me. Am I just stupid?
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Balance transfer urgent problem
So I applied for a credit card with HSBC and a balance transfer from my existing Virgin CC but at the end of the application it said there was a techincal issue and application couldnt be completed. I thought no more about it. I then applied for a post office / capital one, also with balance transfer, got accepted. In the…
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Virgin money income
Hi, When applying for Virgin credit xard do they take into account Univeral credit (previously child tax credit) . I am.working full time but not sure if I also put down UC payments. Thanks
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Barclaycard Limit Slashed From 7500 - 2150
I received an online document on the 11th October stating that my credit limit is due to decrease from £7500 to £2150 on the 16th (today). I had absolutely no idea about this until I received an email this morning stating I am near my credit limit, which I thought was strange as I knew I was not anywhere near the 7500…
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HSBC credit card length of promotional period
I took a new card for 0% purchases in July, but I can't find anywhere that tells me how long that promotional period is (yes I should have written it down at the time)! Current offer seems to be 20 months but I can't find it written on my statements or in the HSBC app (not tried the website OLB yet) so it might have been…
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
