-
What card should I pay down first?
Hi, I am after some advice on how best to allocate some money to my current credit cards. I have around £12,000 to pay down my balances and I'm trying to work out the best way to do that. Below are the details of my current cards (all on 0% balance transfer deals). NatWest Virgin Halifax Balance £9,055 £9,330 £9,800 Limit…
-
Have I been accepted for CapitalOne or getting my hopes up?
I just yesterday signed up for a Capital One Classic Balance Transfer Card after being preapproved through clearscore, I have very little credit history aside from phone payments and a small overdraft and some Klarna PI3 payments, I have been denied quite regularly on soft searches for most credit cards so was super…
-
Question about longstanding credit card charges and illness
Hi all, I joined to ask this, so apologies if I'm asking in the wrong place. I recently obtained an NHS diagnosis of ADHD on top of a longstanding diagnosis of Depression and various physical ailments I live in Scotland. . It's a "whole of life" diagnosis, which means I've been affected since childhood. I'm mentally well…
-
Credit cards and your bank details
Long, long time since I had a credit card. But thinking of getting one just for online purchases instead of using a debit card. Not interested in any transfers etc etc. Bit confused. If you intend to pay back each month everything you have spent that month (not just the minimum etc), do you need to give the credit company…
-
Cancelled flight - chargeback unsuccessful
This discussion was created from comments split from: NOW OPEN: Ask An Expert: Travel & Holiday Deals.
-
Will both making and returning purchases improve credit score?
For context I use a debit card. If I make a purchase, will this improve credit score, and if I return the purchase, will this also improve credit score? Thank you.
-
Barclaycard refund
Hello, I have read some other information on MSE regarding Barclaycard and refunds from payment plans, back in 2022. I had a Barclaycard, when I was made redundent back in 2014, I spoke to them, they came up with a repayment plan, after some months I got a job and continued paying. The card was paid off a few years ago.…
-
Barclaycard - Minimum payment reduction.
On applying for a new balance transfer B/card the minimum monthly repayment is currently quoted at 3.75%. I know there is a planned reduction to 1% due to take effect from 22nd July and that existing cardholders received emails in April(?) notifying them of the reduction. I phoned their C/Services this morning to confirm…
-
Recommend a credit card for a non-UK citizen
My friend on a work visa ( two years initially with possibility to extend) has found herself a little flat she can afford and she is so happy but she then realised she has NO furniture or white goods and will need to buy everything to furnish it She is VERY good with budgeting and a 0% credit card would be fine for her,…
-
Natwest 0% expired can I get another from natwest?
Natwest 0% expired can I get another from natwest? My balance is paid off and was wondering is it possible for natwest to give me another 0% if I applied or should I be going elseware?
-
Using Samsung Pay+ + Curve with Lloyds Cashback Credit Card
Hi, So I took up on Samsung's offer and signed up for Samsung Pay+. Upon entering my Lloyds Cashback Credit Card I was informed that I need to use Curve with Samsung Pay+ so I can add my Lloyds card. Everything went smoothly. However, there is a question I just couldn't find an answer to anywhere. My Lloyds card gives me…
-
New Balance Transfer Application Query
Hi, I'm looking at getting a 0% balance transfer card with zero fees for 13 months. I don't technically need it until my 0% credit card deal runs out, which is on 26/11/24. If I apply for the balance transfer card now and don't transfer the funds until 24/11/24, does the 13 month promotional period start then, or does it…
-
RBS/Natwest redistribute credit limits
Just wondering if anyone had any recent experience of redistributing credit limits with RBS/Natwest. I've done it in the past but sure I saw a thread here that they where now being awkward about it. I've done it before where they have lowered one credit limit and increased the other to keep the total credit limit the same…
-
Section 75 refund - now service provider is threatening me with Court
Hello I had a leak and asked a plumber to fix it. He didn’t. Long story, but I got my upfront fee back via Section 75. Now they are threatening to sue me. For £120. Citizens Advice Bureau wasn’t helpful. Any advice please? thank you
-
Credit Card or Loan
Hi all. New to the forum and just looking for a bit of advice. I'm moving house soon and I'm buying some new appliances and furniture. I was going to take out a loan but the interest rates are higher than my credit card. I was going to put it all on my credit card which would take me to over 50% of my credit limit and pay…
-
MBNA / Lloyds CC 'swap'
I've seen that MBNA and Lloyds offer customers the option of swapping an existing credit card for a new card. For example changing from a balance transfer card to a zero percent spending card. My questions are: Does anyone know if this creates a hard search?Does it show up as closing 1 account and opening another on a…
-
Balance Transfer - Not getting an option to the limit i need.
Hi, I am wanting to move a £10k credit card (which is running out next month at 0%) to another one but i am only getting options for around £500 on another card what options do i have? There surely has to be a better option.
-
Credit card debt
My credit card debt has been passed from MBNA to a debt management company. Who do I send a SAR form, MBNA or the debt management company. Also can anyone explain the process once you have sent a letter and the possible outcome please. Many thanks
-
Tesco charging for 2.75% for ecommerce purchases
I've only just noticed Tesco Bank has been charging me a 2.75% fee whenever I've made an online ecommerce purchase where the payment has been in dollars. For example, I'm a graphic designer and regularly purchase web hosting on behalf of my clients. The site I purchase from is US based, so the purchase goes through as $. I…
-
How does AMEX cashback work
Can anyone confirm for me, can you get up to £125 in total over 5 months or is it up to £125 EACH month for 5 months? (If say you spend 3k each month.)
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: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
