Credit cards

I had one of these for several years, then about 12 months ago I got a letter (followed by a few reminder emails) to say they shutting down all the cards. I spent all remaining credit, then forgot about it. Today, I've received an email saying my card is due to expire, and that I haven't used my card in quite a while, and…

Good evening I am just looking for opinions or help. I currently have 4 credit/purchase/balance transfer cards which I opened all within 12 months, which I have managed to reduce my debt from £6,000 to £2,000. All of these cards have a limit of £1,000-£2,000 1st of the balances is £200.00 - interest free due to end in 2…

ok, just a bit of a moan. amounts used are for illustration purposes only :expressionless: have a CC with a limit of £3000, unused for ages and no BT/spend offers worth having. checked eligibility for a second card and was offered £5000. thought i'd be clever and close the old card first in the hope i may bet a larger…

Could someone please advise the best way to transfer my online Next account balance to a new credit card? I just want to transfer the balance to a 0% credit card and pay it off but it seems I have to pay the Next balance off 1st with another credit card then transfer that balance to my new 0% Virgin credit card? Can I not…

Hi I'm trying to apply for a 0% credit card having done the eligibility check. When I click on "* apply now" then I end up on an ad page which cannot be reached in my browser. Is this something I'm doing wrong, there is no alternative route to the card provider, and finally I posted this here because I couldn't find…

Can someone please explain minimum credit limit to me please. In easy to understand terms. I am looking to get a 0% credit card and have been offered one with a fixed minimum credit. Not sure if I should take it. 

So I have a Vanquis credit card with a limit of 3k it's my longest credit card had for like 7 years no balance use every now and then pay off in full. I've have a few cards on 0% all with payments being made to clear in full in time before my offer ends apart from one card will have maybe around 1k left on it this cards 0%…

I'm just checking I'm not missing something here as this got 'offered' to me recently and seems a great deal but I don't see it mentioned anywhere. The blurb: "Reward credit card * Earn 1% back in Rewards on supermarket spend (0.25% at their petrol stations and everywhere else) * Get between 1-15% back at selected…

hi i have recently been contacted by a collections company for a credit debt that was from 2006. i thought that it was not possible after so long. i have not had a CCJ for the debt and need to know if they can legally still chase or inforce this?

I did a balance transfer on 0%. I transferred around £1000 and paid the fee. I also had three months interest free purchases. I purchased something for £500 inside that three months. In the next month I paid off more than £500. I have regularly been making well beyond the minimum payments monthly and extra payments as and…

Hi I am about to purchase a used car from a known garage (not dealership) and considering paying the £500 deposit on my credit card (mastercard) and remaining amount in transferable funds. by doing this do i get consumer protection? will i be eligible to a refund if i was to take the vehicle to a trusted garage for a once…

Hi I got an email from mse about a long balance transfer card offer. My husband and I have a barclay card which is is our main focus at the moment to pay off as it is a money transfer balance and alsp we have 5k on an hsbc card. Barlcaycard is due to end in June so need to get that paid off and hsbc 0 percent ends in…

I’ve had an M&S card since October 24 and joined Club Rewards at the same time. I’ve only had my welcome pack vouchers which expired 31/01/2025. M&S Bank have not been able to tell me when I will get my next vouchers or where I can view vouchers sent digitally (which I signed up for). Can anyone on here advise me?

Hello I'm travelling to the Republic of Ireland in a few months to carry out some flying training for 6 weeks, each day I will need to make quite big payments (Around £1000 a day) obviously the local currency is Euros, is there a cheaper way for me to make these payments as I can imagine the fees & charges on these amounts…

I'm looking for a new card for travel, something like Barclaycard reward card, but wondered if: a) Salary sacrifice is going to impact my gross annual salary reporting (I am sacrificing a LOT)b) Temporary tax code changes should be taken into account when reporting monthly salary after tax - if they look at my statements…

Hi everyone My oldest is just turned 18 I would like to help her build a great credit score What's should we start with? Something for everyday spending? What's products should we apply for Credit cards, over draft? I had a quick look at credit cards but the system (mse pre check) says she can not get any of them yet…

Hi all, So I got myself in a bit of a silly situation. I used a Monzo flex and have been building up the money on that account (£3,500), not realising how much interest I was paying (29%) I was paying off the monthly balance each time but with the amount of interest I was accruing, and the reliance on the flex account, I…

I had new double glazing fitted last year. Paid for by credit card in 3 instalments.1 deposit July2 September after completion but held back amount due to 1 botched window. 3 November after replacement of botched window which still not adequate but was assured it was ok. Got the fensa certificate. Front composite door is…

I had the Barclaycard rewards card which I cancelled back in September. I now want the free avios card but in the app when I click on “change to different card” it always comes up with “no options available”. Has anyone encountered this before? 

Thanks for any help on this. If I make a booking with a foreign tour operator on an AMEX or Mastercard credit card for myself and 5 other people in our holiday group and the tour operator doesn't provide the service will I be able to make a S75 claim for all 6 of us? i.e. the total payment? The tour operator is based in…