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Pay Credit Card Balance or Balance Transfer and keep cash in savings
I will try and keep this as short as possible. Credit Card statements balance is £3231 (summer holiday flights). I have the money available in savings however would I be better off doing a balance transfer (3.3% BT fee (£96.73)) and leaving the money in savings (Chase 4.85%)? Savings balance is currently £5210. Any advice?…
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NatWest Rewards Credit Card
Hi Thinking of getting the NatWest Travel Rewards Credit Card for my holiday spending and extra cashback as I spend a bit on holidays. I already have the original reward credit card and my question is will there be any issue with earning rewards on two credit cards on MyRewards Cashback site?
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Cashback Credit Card For Son
Hi, My 23 year old son has just started his grad job and will be taking home around £2K per month. He's living with us and has no debt or other credit card balances to pay off. He has a Santander credit card that he setup during his 1 year student industrial placement but is looking at switching to a card that has some…
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Purchase protection
My wife has a Santander credit card account for which I have a second card. Santander have told us that purchases made on my second card are not protected under Section 75. Is this the case for all or other credit cards? Thanks
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Barclaycard times?
Hi there, 6 weeks ago i applied for the Barclay forward card and was given the message ‘ We need to check a few things before we can confirm your eligibility’ Since then I've not had a single call or letter. Then i applied for the Avios card and this was 3 weeks ago still i haven’t heard anything back. Has anyone else had…
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Credit Card not taking full payment
I have set up to pay my credit card "IN FULL" as Martin always advises but I have noticed there is still quite a large balance after taking my monthly direct debit (I have signed up to take the full balance every month). I know it can take a few days for things to clear and I know things can show as pending but that isn't…
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Just Re-Mortgaged 7 days ago - good time to apply?
I got a credit card that charges me every year for perks I don't use. I got the first year free but in October, I'll get charged for £200 odd. The company have a free version that I'd like to apply for. I just completed a re-mortgage about 7 days ago. Is now a good time?
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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…
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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…
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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…
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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…
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Cancelled flight - chargeback unsuccessful
This discussion was created from comments split from: NOW OPEN: Ask An Expert: Travel & Holiday Deals.
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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.
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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.…
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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…
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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,…
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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?
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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…
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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…
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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…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Stoozing first time queries by kempiejon
7 December at 12:51PM
