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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…
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Incorrect Income but want to put it right
Hi all, I stupidly as I wasn’t paying attention made my salary 1.5% higher than what I actually earn on a balance transfer credit card, I only noticed when I had the epiphany when I had to prove my income on another application (I put the right income in), I do not want to come across as a fraudulent applicant, what would…
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Applying for a new CC before mortgage application early next year
Hi all, Need some advice if possible. Currently have zero debt, and saving around 2600 per month with my wife so not in too bad shape. Have had a work bonus which is paying for us to go to mauritus in april next year for my 40th. Currently i have a hsbc CC with 0% purchases with 6 months left but have been offered a virgin…
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Natwest Credit limit
Hi, I have contacted Natwest to move credit limit between two cards. However, I have been told they will only combine credit linit if I hold 30k in savings. This can be in any UK bank. Has anyone else came across that? Strange requirement. Thanks
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Repeat Eligibility Checks
A couple of months ago I did the Santander Edge credit card eligibility check (the 2% cashback is tempting) and the result said "Good News, you're less than likely to be accepted" which made me laugh. I did not go ahead with an application, but I'm tempted to try the eligibility checker again now just to see if the result…
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Non-contactless
Are there any credit cards that aren’t contactless?
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Large purchase
Hi im having a new kitchen and thought about paying by credit card to get section 75 protection ( it’s an independent kitchen retailer). are there any credit cards that give cash back on a one off purchase of about £20k ? is this a good way to pay ? I don’t need the credit element as I want to pay off in full unless it’s…
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Late payment and credit score
Hello, I am looking for some advice. I made a purchase on a credit card (Santander) that I hadn't used in a while (the card had zero balance). As this was not an interest free card I opened a new 0% balance transfer credit card with another lender and transferred the balance (£ 1,472.23). I didn't check the Santander…
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Claim for refund of holiday deposit via Tesco Credit Card or Personal Travel Insurance (Staysure)
Looking to lean on your previous experiences for guidance. We have cancelled our cruise holiday booked with departure date of 4th Jan 2025. It was booked 25th April 2024. Cruise was for almost 4 weeks to Antarctica, Chile, Argentina, Falklands. Reason for cancelling is family reasons. Our daughter who is Autistic and in…
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Barclaycard and Google Pay
Does anyone know why Barclaycard UK doesn't work with Google Pay, and whether there are any plans for them to enable that service, since Barclays have closed their own contactless payment service? It is a bit odd, coming from a mainstream lender. Barclays UK debit cards do work with Google Pay. Barclaycard UK credit cards…
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Hotel disaster section 75
Hello please help. I’m in the Maldives on a local island- it is not expensive like the resorts. I paid for my hotel and transfers in one payment via credit card (Halifax) and when I arrived the hotel manager told me he was fully booked and told me to go to another island. He told me that the whale sharks were closer to…
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0% purchase or loan
Looking at buying a car weighing up finance option. Will put a deposit down but looking at how to cover £6k - £7k balance. Do 0% purchase cards allow that amount or would a loan be better?
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CCJ received but the address is wrong
I've received a CCJ which has come to my address with the wrong postcode on it. This is the first letter I've received about this and the company issuing the CCJ is PRA Group. I've phoned them to get some details and they have said this is the address Barclaycard gave them (the postcode is my old postcode). I've asked them…
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Should I balance transfer?
Hi all, I have £2.2k balance on a standard Halifax credit card (30% APR). I get alerts from Experian suggesting I can transfer the balance to a different provider who provides 0% interest on repayments for up to x months (~12 months). Most do, however, incur a one-off transfer fee (~2%). Though, NatWest does do one for…
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Does credit utilisation matter if cards are always paid in full each month?
I have several credit cards that I have always paid off in full every month (the statement balance) but generally, due to the limit on my cards being so low for the way I live, I am usually high for my credit utilisation. I have found very mixed information about if utilisation matters if you pay in full so I thought I…
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Bank of mum and dad - section 75?
Hi MSE forum… helped my stepdaughter buy a car, spent £11,500 and used my TescoBank credit card. Huge issues with car, dealer goes AWOL, warranty not worth toilet paper, I tried to claim a section 75… to be told by Tesco, only applies if bought for yourself! If only I’d registered in my name rather than trying to help her…
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Credit Card for Air Miles/Air Travel Rewards
We are currently looking at booking a trip to Japan and the tickets for premium economy will cost around £2000 each for two of us. We have a choice of flying BA or other company. I have a back problem so would love to fly business sometime in the future. Are any of the air travel rewards-based credit cards worth…
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: Stoozing first time queries by surreysaver
30 August at 3:55PM
