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Used car chargeback what do I do now?
So I bought a used car back in September 2023, within 14 days faults appeared, tried to reject (merchant assaulted me and police were involved) consumer helpline advised that I went to my bank (starling) and perform a chargeback. I filled in the form which was accepted 31st October 2023. I supplied all my evidence and the…
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Paying Creation Finance balance
Hello all. I bought a new PC from Currys before Christmas last year and opted to pay on a buy now pay later basis with Creation Finance. If I pay all of what I owe by 3rd September I will have no interest to pay. I was considering paying this with a credit card that awards me cash back. However when I logged in and went to…
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Paying Off Purchase Before Balance Transfer
Hello, newbie here and apologies if my question doesn't fully make sense! I have a credit card where the 0% interest rate on balance transfers remains for 20 months but the 0% on purchases expires next month... I have signed up for a new credit card with 12 months 0% on balance transfers. Can I do a balance transfer on to…
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My credit card limits reduced to £100 - why?
I had 2 credit cards. 1 with £8000 limit and the other £14,000. I never use my credit cards - only maybe 3-4 times a year - like when booking for a holiday or buying something expensive. A few days ago, I got messages saying that my limits were reduced to £100. OMG. I haven't done anything! I've tried calling - but they…
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Giving up work for disability
Hi looking for any info on the above with my existing cards, if I inform them that I have to give up self employment and go to disability benefits what will happen to my limits on my cards ? Thanks
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Balance transfers and effects on credit score
I have a credit card that I'm paying lots of interest on and would like to consider a balance transfer (for up to 23 months) so that I can pay off the amount quicker. My question is this - will a balance transfer affect my credit score (which is currently excellent at 999)? If so, how?
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Will better deals come in?
I’ve been self-employed for the last 7 years and then a student nurse for the last 3. I’ve got to the end of that road and will be starting a permanent post in September. My credit file is fine with no missed payments, but I’ve ran up a lot of credit cards during my time studying (I’m in my late 40’s btw and single). I’ve…
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Is a money transfer credit card a/the best option for me?
Hello, my girlfriend and I are definitely inexperienced when managing are money and we have just moved into our first home. I have £1900 debt on an old Santander student account which I’m now paying interest on. my girlfriend has £3000 debt on PayPal credit which she is also playing interest on. what is the best way for us…
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Card application when retired: How to show income
Some background: I recently retired. My plan is to live off cash savings until next April when I will start drawing down my private pension. I want to take a holiday later this year and rent an apartment for a few weeks. Some of the apartments are pay on arrival, but my HSBC credit card is expensive for travel spending so…
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Lost all BT offers
Hi all, I've got a few CCs with some fairly small balances, but recently used one that had interest free for 2 years to buy a car, worked out cheaper than finance, so used it to transfer 16k. I've got plenty of other cards with no balances, a barclaycard I never used with a credit limit of 18k etc. I always pay everything…
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Vanquis App
Is anyone else becoming hugely frustrated by Vanquis? Their app stopped working for me recently, and in spite of my complaint they don't yet appear to have a fix. Now I can't even access my statements from the desktop site. So annoying!
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Securing guaranteed limit on 0% payment card in advance
Have two CCs, modest limit (total ~9k). With the exception of when I first got one of my cards years ago, I've never utilised 0% purchase periods. I clear the balance every month. My CCs are 8 and 6 years old, hence not used to applying and the ins and outs. Considering big purchases and/or stoozing ahead and wondering if…
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Paying Off Balance Effect
Hi, I wanted to ask a question regarding paying off my balance and its effect on my credit score/file. If I was to pay off any purchases moments after placing it, would this make any difference compared to leaving it until the end of the month and paying it all off at once?
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No fee card for spending when abroad
I recently went to Italy for a short visit and didn't really plan my trip in advance. I paid for some items in cash and some on my debit card using my phone. Having looked at my balance I've been charged a non-sterling transaction fee for each transition. I'm heading to Spain soon and would prefer to pay on my card again…
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Credit card debt consolidation through re-mortgage
Is it true that you cannot consolidate 0% credit card debt by re-mortgaging, That your credit card debt needs to be on a higher interest rate than you mortgage rate?
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Natwest Mastercard - mortgage payments
Does anyone know if Natwest credit card treat mortgage payments as transfers/advances? I've been playing off lump sums from my mortgage with my Barclaycard Visa - no fees charged (on the credit card), cashback reward paid, sorted. (For the record Barclaycard thinks the transaction is "Services, Not Elsewhere C", and a…
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Nationwide Credit Card - SOLVED
Call me an idiot (I know some will) but does anyone use Nationwide's app and understand their credit card statements? On the app and even if you download the PDF of the statement, its not really clear (and this is more than likely me not understanding) when the charges start and when they end. I pay off the card in full…
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John Lewis Partnership Card - new payment plan
Has anyone else had an email from NewDay telling us that they are going to 'collect' our monthly direct debit payments FIVE days before the due date? And also that our account will be made up five days later than before. Do they think we are daft? Their terms were already worse than those ruling when HSBC ran their card.
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Google Wallet still offers old Amex card when adding a new card
I deleted an old Amex card from Google wallet a while ago, however when I want to add a new payment card my old Amex card is still shown as an option to add it.I suspect I may have just deleted it from Wallet and not all google payment applications, I have looked at other google payments and cannot find any payment cards…
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Second NatWest credit card
I currently have two NatWest credit cards. One was a 0% balance transfer card with a £6700 credit limit. The 0% deal expired on 21st July. I paid it off at the start of July. My second NW card is 0% purchase and Balance transfer. The 0% BT has expired, but the 0% purchase part expires November 2025. I’ve only used this for…
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
