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Sainsburys 0% card
Hello, I've got a Sainsburys card that allows 0% on purchases,which is fine. Though I would rather use the 0% for balance transfers from other cards. But they charge a higher rate for balance transfers. Is there any way i can get around their purchases only rule and really what are the benefits of the purchases only cards?…
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Dont use your EGG Card - get free Money!
Hi all done a search but can't find this... sorry if its been posted. Over past 18 months I have had an egg card and not really used it at all. On two separate occasions I have received emails saying spend £50 by XXX and we will give you £10. I've checked my statements and I got a credit in March and have just had another…
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online casinos and credit card cashback?
just had a thought, whats to stop me depositing £1000 in my jackpotjoy account and then withdrawing it to my bank account straight away? this would earn me £10 cashback on my circle card.. ive already got a balance of £11.80 so i would be able to with draw the full £1000 i could then pay the £1000 credit off with the cash…
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whats the best thing to do?
Hey all, great site. I am having a few cash flow problems and need to put down a deposit on a property after family problems. In 2 months i will be back up to normal so a loan is not needed. So i was wondering if it getting a 0% card would help for now? If it would help, which one do you reccommend. I have a good credit…
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Hi Gal
Hows it going? As you never come round to my place anymore I thought I'd come and hang around here for a while. Busy isn't it?
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NEW CAR PURCHASE
Is it possible to use one's credit card (eg 0% for 9 months ) to pay a main dealer all or part of the purchase cost of a brand new vehicle?
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overdraft balance transfers - deferring debt?
(sorry Ive posted this in the loans and debt section but felt it might be more appropriate here) Hi I graduated a year ago and have an overdraft with abbey of £1600 which they are calling in completely on 1 September (they're playing on small print(which i should have noticed)and won't budge at all on this). I don't have…
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MBNA hassles
I'd be interested if others have had similar problems with the MBNA card or if I'm just unlucky... Set up a direct debit on their website as soon as I got my first statement thinking it would mean I would have no worries about remembering to make payments. Second statement comes along and no payment has been made and I've…
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Egg login
Is it just me, or does anyone else seem to have trouble getting onto the egg log in page? 9/10 times when I try to go there I get 'error' or 'essential maintainance work is being done' or it just doesn't connect or is v v slow. Then if i'm lucky enough to log on,it can be so slow. It ceased up on me last week. Its getting…
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Barclaycard late payment charge
I forget to pay the bill on my barclaycard last month on time (was 2 or 3 days late) and have been charged a £20 late payment. I usually pay off all of my account on time and in full every month. is there any way i can get out of paying the late charge? perhaps threatening to cancel the card? ::) i'm going to phone them to…
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Advice please- tactics for the credit rating maze
My staus: Self employed, £30k+ pa but fluctuates e.g. £7k one month then nothing for 2 months. Partner also earns but unproveable. Together we rent privately, so no mortgage. Bank current account - will only allow me £500 o/draft. Switch Debit Card. Only debt Personal Loan with same bank, currently £11k settlement figure.…
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For how long will 0% bts be marketed
Will the increases in the bank base rate affect the marketing of 0% balance transfers. As a Credit Card Tart I am concerned that not only will I run out of cards available for me to transfer my debt to, but the financial institutions will cease to offer 0% deals. Is it time to take up the Capital One life of balance offer.…
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smallest introductary minimum payments??
Ok, this is my first post on this forum, so here goes. I currently have 6k credit card debits which i'm jumping from one 0% interest rate to another every 6 months & paying off approx £300 per month in a bid to clear my debts. However, due to my penchant for expensive presents ( a new motorbike bought in april ), i also…
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IKEA and credit card charging
Don't know if this has already been mentioned, apologies if I am repeating something, but did a search and there was no mention of this. Well, anyway from 1 Sept IKEA will charge 70p for each credit card transaction.
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Household income when spouse does not work
I have decided to pause my super tarting activities for a couple of months until one of my cards 0% deal ends. However, my wife is considering joining the club by applying herself (gulp!). Trouble is she is a non-earning, hard working housewife/mum. Are there any companies out there which take into account household income…
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BTs that earn points/miles/cashback-are there any?
Simple enough question - trawling through a few websites most of the major players seem not to offer points but I thought I'd ask if anyone knew if there were any out there?
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MBNA Transfer fee....how they decide?!
Hi, Just got off the phone from MBNA seeking to clarify the SBT fee for new accounts. The lady I spoke to stated that if you have the card with 6 months interest free you will not be charged for the transfer. However if you have the card with 12 months interest free you WILL be charged a fee. Does anyone have any…
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Egg anniversary offer - SBT questions and advice
Hi all you knowledgeable people, hopefully some of you can answer a few questions and give me some advice. This month is my year anniversary of my Egg card, how do I find out about their 5 month 0% offer - should I have heard from them or do I have to contact them. Now my situation: In 2 days I'll have a credit limit…
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Halifax Credit card going down hill
Ive had a Halifax credit card for a few years now. Its always had 1% cashback - which I thought was the best deal on a visa card (I know american express is also 1%) Then towards the end of last year my cashback dropped to 0.5%, and now they've cut the cashback again to just 0.25%. If I had the chance i'd cut up the card…
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0% deals - does anyone know why they exist?
Can credit card companies really make enough money from the people who don't leave and afford to give away the cost of funding all the 0% balances for those people who do? If they're just using their existing customers to fund it, doesn't that mean that people taking multiple 0% deals are just taking it from the people too…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.1K comments
Most recent: Never stoozed before... by dkwywbicgia
12 March at 2:04PM
