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0% purchase and transfer cards.
I’m trying to get some clarity around exactly what constitutes a ‘purchase’ on 0% purchase and transfer type cards. The ‘balance transfer’ from another card is self explanatory. But the ‘purchase’ aspect is a little more unclear in a particular scenario. The scenario being this: If I were to use this type of card to pay…
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Credit Card Limit
I've recently used the MBNA Credit card app to raise my limit from £1000 to £5000 and was automatically refused. I've been with them for over 25 years and never missed a payment which is by DD full amount each month. I'm retired with an annual income of £47000 and no mortgage/rent I have an excellent credit rating with the…
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What credit card do i need to apply for
I have a debt with a utility company that I racked up when we had a AGA. Bloody thing... Long story short. I want to pay off the debt using a 0% credit card as they have increased my monthly bill to £330 per month. But I dont know which card I need to apply for e.g. balance transfer, money transfer or purchases. Also when…
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That Was Quick !
Just received an e-mail from JaJa Asda credit card that my interest rate has reduced, by 0.25% from 23.29% to 23.04%, due to the BoE rate change ! Not that it makes any difference to me.
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Pay penny items with credit cards. What will happen ??
I know there have been previous discussions about paying for items that cost less than 5p (let's say) with a credit card. Some merchants may not take such low-value payments. So, if you rely on a seldom-used credit card for a monthly direct debit (if needed), you might encounter issues meeting the direct debit…
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cc app user restrictions
Hi,I currently am the holder of a BC with a named 2nd user who's my partner. I want my partner to also have access to all transactions on both cards as I'm able to. Unfortunately, BC doesn't allow this. Does anyone know of a card that will have the option of two people accessing all transactions? Thanks.
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Zopa credit card
I have a large balance on my Zopa credit card. I’ve recently taken out a 0% balance transfer card for 20 months with Barclaycard. Great I thought, until I tried to move the balance over to be told Zopa is a card they do not accept. So then went plan B, pay Zopa with my capital one credit card then move that to Barclaycard.…
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Balance Transfers
I'm pretty new to this type of thing. I've just opened a 0% balance transfer credit card with natwest with 13 month interest free period. I've transferred my 1st ever stoozed balance from my Barclaycard as it was coming to an end and I'm wondering wether I can transfer the small balance from my m&s card too and also, I've…
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Section 75
Hi, I wonder if anyone can give me advice on my issue, I bought a new car diagnostic tool on eBay and paid for it on my credit card via PayPal. The issue I have is that the seller advertised that the tool would recode injectors as per there description. Before purchasing the tool I contacted the manufacturer to check if…
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Santander edge credit card monthly period
Does the month begin when you activate the card and stay like that forever as opposed to most cards that use calendar months?
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CCJ Error and Issues with Credit Cards
Earlier this year I got a CCJ in error due to Aviva Car Insurance not paying someone whom I had a car accident with. They admitted the error and gave me a letter to say it was their error and £500 compensation and said it was removed from my credit reports (which is has been). The set aside is in a long delay of court…
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Activating New Day credit card
An elderly relative has been sent a new credit card after their old card was blocked (possibly they'd lost it, not sure). The card has come with instructions to "activate" it by logging into the online account. My relative does not use online banking and does not have a smartphone so is therefore struggling to work out how…
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Interest free CC and obtaining a 20 to 30k credit limit at application
Hi We currently have a mortgage circa 220k around 50%LTV. This includes a Further advance for home improvements currently undergoing. We want to raise some further capital for Windows kitchen etc. Can see barclaycard and Marks and sparks have 19 or upto 21 months Int free. So the big question how can we achieve a high…
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MBNA when do they actually take the Direct Deibit, please?
Does MBNA take the direct debit on the day the statement says the payment is due, or do they take it a few days earlier please?I don't have an MBNA card, and so I couldn't get through to them to ask. Thank you
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Credit card refuses to refund because of doing what was asked
OK so the title is a bit spurious so let me explain and see if anyone can guide me I ordered some products from a Chinese company which promptly stopped working 10 days later. I contacted the company asking for a full refund as their website states, try risk free for 30 days. Should be easy enough to get this sorted out,…
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Capital One declining card after Guaranteeing you will be accepted
Used your search engine to find a 0% card to transfer a balance on a previous card. Capital one came out best and quoted I was guaranteed to be accepted. My experian score is in the excellent range several days later letter received say application unsuccessful, however I am still receiving emails from capital one asking…
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Too old for Card ? Want to put car balance on it
Hi All I'm 71 years old, and haven't really used C Cards for a long time - but do have a near perfect Credit rating & History. My wife's car is coming to the end of a PCP contract, with £7000 to pay in order to keep it - so I thought about getting a 0% interest card and putting this balance on it, and paying off over a…
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What is the best 0% purchase credit card to use in the USA
Good morning all, Hope you are enjoying your weekend. We are travelling to the USA in a couple of months and would like to know if there is a credit card we can take that has a 0% purchase period and that has no foreign transaction fees please? Any advice would be helpful. Thanks
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Get rid of cards for better offers?
I'm wondering what to do, I have 7 credit cards. 3 virgin 1 aqua 1 vanquis 1 NatWest 1 Barclays I have a balance on NatWest, Barclays and one of the virgin ones, 2 of them 0% for next 2 years, virgin for another year. I'm was going to get rid of vanquis, and 2 virgin cards as I don't need them as standard interest is high…
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HSBC "10% Cashback"
I have an HSBC credit card which is on 0% for purchases until some time in 2025. They recently advertised (via in-app message) an offer of 10% cashback on all purchases abroad until the end of July (2024) (max £50 cashback), whilst noting there is a 2.99% non-sterling transaction fee. I'm thinking it's still a good offer…
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
