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Credit card purchase interest free period
Hi all, thought I knew more than enough about credit cards after using them for so many years… but it seems not! Sainsbury’s in this case. Made a large purchase on my card thinking that I had ‘upto’ 56 days interest free before having to pay it off to avoid interest. Made purchase on 3rd August and going by the above felt…
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Is this allowed with a 0% balance transfer credit card?
Good afternoon. I hope you are all well. I recently got a 0% money transfer credit card with my bank Halifax. The idea of getting this credit card was to clear my Monzo flex and credit card. When I opened my application they rejected the transfer. I found out this is because they don’t accept Monzo flex. Anyway, I…
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MBNA
What are typical BT offers for MBNA, I have a card from them with 11k limit and it will soon be down to zero outstanding. Just wondering what are their typical offers at the moment it is showing me 12 months with a 5% fee. I would not be interested in that. Just wanted to know if they will offer better or if I am better…
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Time to replace Amex?
Anyone else struggling with their Amex? More and more places seem to be boycotting the Amex and it's driving me a bit bonkers so I'm looking to replace with another reward credit card - but most recommended are Amex, or require a new bank account which I'm not keen to do. Any suggestions for best non-Amex rewards cards?
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card charge
hi all can anyone advise today i got some work done on the house and was left the invoice to pay it says on the invoice bank transfer details, they also said to me i can pay on card and call the office it says on the invoice credit cards carry a 5% charge i thought that was against the law? i am wanting to pay it on my…
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Adding Funds To Exceed Credit Limit On Credit Card.
I wish to purchase something that is more that the credit limit on my credit card. Is it fine to add the required extra funds to my credit card prior to the purchase, so I can purchase the item and not exceed my credit limit. If so, then will I still receive the added protection that a credit card purchase provides? Thank.
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Capital One - Payment this month?
I have a DD set to “pay in full” every month. On the Capital One web page it tells me it was due on 4th September, nothing is showing on my online banking app, anyone else found this? Today Capital One have sent me the notification saying next one is due 2nd October. Is it worth me asking at my bank why the payment has not…
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Transferring a pcp to a 0% interest credit card
I pay £260 a month towards a car pcp and have 2 and a half years left to pay. I obviously pay interest on these payments. Is it possible to pay off the remaining £13000 I owe using a 0% interest credit card and then slowly pay off the amount this way?
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John Lewis CC - reality check please - reduced credit days?
I am an old customer. I got a New replacement CC from JL which reduced the number of days you have credit as per normal cc. Today I received an email which said that if a DD to pay off failed I would 'have an extra 5 days' to sort it out as it would be taken 5 days before my DD due date! I am not sure if the statement will…
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Withdrew cashback on Credit Card by mistake
I got distracted at an ATM today, and accidentally used my new CC to withdraw £40 cash, instead of using my Debit Card, which has cash in the account. My CC has 0% interest for 20 months, but charges for cash withdrawals at an Annual Int. Rate of 29.8%, with an added charge of 2.99% (minimum £3.00). As this is a new card,…
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Changing Dollars to Pounds on Virtual Credit Card.
Hello, I've got a virtual credit card, a Visa card from Tremendous, with US dollars on it. Is there a way I can convert this currency into UK pounds so that I can spend it here? Thanks.
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What impacts credit limits
When applying for a new credit card what factors affect the credit limit that the card issuer will provide?
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Balance Transfer Tesco
I’m a bit confused as to why Tesco is offering a 0% balance transfer to their credit cards when they will be handing over finance and credit cards to Barclays so you will have a Barclays credit card from November not Tesco?
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is this rare
today i recieved my creditcard from lloyds mastercard as i look at the card the bank logo top right of card, type of card wrote down the side flip it over and all the writing is upside down, inc black mgnetic strip at bottom of the card, on my lloyds current its at the top and writing correct way up is this the new way…
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Closing Old Credit Cards (yes another thread about this!)
I have one credit card I use nearly all the time. It has a large limit, of which I use about 10% of most of the time. I have one credit card I use abut twice a year as a backup. This has a limit of about £2000, of which the last time I used it, I put about £700 on it. I have about three old credit cards I don't use at all.…
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What credit card is best for me
Hello I’m just looking for some advice on what credit card is best for me. I’ve been looking into different types but still quite unsure. I’m 21 years old and haven’t had a credit card before but credit rating is sitting at good. I earn around 18,000 a year before tax with that figure increasing for the next 3 years. I…
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0% Balance transfer query
Hi everyone, I have a 0% BT ending soon and I have other balances on that card with different end dates, if I don’t clear/pay off the balance, will I incur interest on the remaining separates transfers? Thanks👍🏼
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ASDA credit card. New cashback rates
Hello. I got an email from BE CLEVER WITH YOUR CASH this morning saying cashback cut on this card from 1% to 0.75% @ Asda and 0.33% to 0.2% elsewhere. I had not received anything from Asda Money about this. Asked their live chat who confirmed these new rates to me. Has anyone received anything from them, like I say I've…
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Section 75
I need some advice. I've got a guy doing some building work for me and I need to pay him £2,200. I want to pay using my credit card, so I can take advantage of Section 75 if the work turns out to be shoddy. However, the guy only takes cash or bank transfer. Barclays won't let me transfer money from my credit card to his…
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Credit Card - Default and future Payment
Hi all I hope someone can help. The debt in question stems from a Capital One credit card, and due to unforeseen circumstances including job loss, my last payment was made in March 2018. Subsequently, I have had no further communication or transactions with Capital One. I understand that a default was placed on the account…
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 Nasqueron
22 July at 1:10PM
