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0% balance transfer cc - eligibility checker, which housing option?
I'm wanting to check my eligibility for 0% balance transfer cards I don't fit into the accommodation categories. I live with my partner and our/my children in his house, we are not married and the mortgage is not in my name. I don't pay towards the mortgage. (I realise the obvious pitfalls of this situation but it's by…
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Anyone applied for Tesco Credit Card recently?
I used their eligibility checker and it says I'm pre-approved for it. It did a soft check on Transunion. However, I'm hoping to find out which credit bureaux they generally check for the full application. While I'm on the electoral roll and all my accounts show up on my Transunion, for some reason Equifax just never seems…
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Zable Balance Transfer
Hello, I have recently got a Zable Credit card with a 0% balance transfer until 2026. I have tried to move the balance of my Vanquis credit over to it, but although accepted by Vanquis, Zable keeps asking me to choose another card. Does anyone know why or come across the same difficulty?
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Should I close down zero balance cards?
I had my true LBM in Nov 2019 and have been consistently paying down my debt. I am lucky all my CC debt is on 0% interest after balance trasnferring which leads me to my question below: I'm thinking I might need to start closing down some of my zero balance credit cards. There are three MBNA cards, one Halifax card and one…
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Amex / Virgin CC points rewards
Annual Spend - circa 20k Aim - Vegas Flights 2027 x 2 Used Virgin paid for card last year (£160 annual fee) and got companion voucher and upgrade one way for 2 people for circa £1000. Downgraded the card now as not sure which way I want to go and opened Amex gold for welcome bonus (20k points). Unsure whether to pursue the…
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Warning John Lewis Credit Card is insecure
I've been left with no alternative but to warn others about how insecure the John Lewis Credit Card is. The card is operated by New Day so this could apply to other cards that New Day runs. When you register for the JL credit card they ask for a user name and suggest you use your email address, and they also ask for a 6…
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Chase credit card
An email today as a Chase current account holder.Heads up to keep watch over the next few days for the upcoming launch of a credit card - current account holders will be the first eligible to apply apparently. Hopefully they will allow additional cardholders.
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Credit card
My credit cards are drowning me I have £5k to pay off across 2 credit cards. I pay the minimums off every month and only put necessities on there whilst I have been on mat leave. I just find the interest are swallowing me - I have applied for 0% balance transfer but got rejected. When I start getting paid again I want to…
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Pre Approved 0% Balance Transfer - PCP?
Is there any way I can transfer my PCP balance to a 0% Balance Transfer Card? I've been pre approved for both MBNA and Virgin with 12k limits at 0% 34 months.... Would ideally like to do around 15k at 0% with 2.99 fee and pay over 34 months
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First Credit Card Mistake
Hi all. I recently helped my fiancée get a credit card to help her build a positive credit history as part of our future planning as we intend to buy a house together within the next 5 years and therefore apply for a mortgage together. She has pretty much no credit report with no loans, credit cards, mortgage or even a…
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Credit Cards - Fees on Gift Cards
For the second time I have been charged a cash transaction fee on a Caffe Nero gift card. The first time the card company and vendor blamed each other so I decided to use a different card this time - with the same result. I called MBNA to query it - expecting them to blame Caffe Nero - but instead the representative…
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Gift cards and chargebacks
Hi can someone advise re the below please.. I purchased some Currys gift cards through a 3rd party site with my credit card. Spent the vouchers on Currys web site and they confirmed the order but then cancelled it which was 3 weeks ago. Despite numerous phone calls, webchats and emails it is impossible to get anything…
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Older Credit card Debt
I will try and keep this brief. Contractor working away, but back in Aug 2018 i had an accident all resulting in lung surgery. it took me a long time to get over and covid scares had to hide etc. I had a credit card with around £11k. I Informed Barclayard and they gladly put the account on hold. After periodic check-ins…
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Credit card debt sold to link
Hi all - hoping for some advice, I am sure there are many comments on the site however I’m struggling to find any insight. Marbles and Aqua credit card debt has been sold to Link Financial Outsourcing. I haven’t been connect by Link yet so they will not discuss with me but I just wondered that monthly payments they would…
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UK credit cards in the States
Hi all, I'm a UK citizen and will be in the States for my first time next month, on the east side for three weeks. I don't want to carry much cash with me, so want to pay for almost everything by card. All the hotels have been booked and paid for and I don't have enough liquid money for every day stuff, restaurants etc, so…
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Paying utilities via Credit Card
Good morning all. I am aware that certain UK utilities can be paid via credit card, but I've only been able to find manual payment methods. Is there a way to set up a credit card as an automatic payment method, so effectively it will work the same as a direct debit? I'm looking to put as much on my credit card as I can to…
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Tesco Credit Card - Notice Of Arrears
I have come home tonight and had a notice of arrears from Tesco Bank for my Tesco Credit Card. They are saying that for the last 2 months I haven't made the minimum payments but I believe I have. I have not been charged any late payment fees by them or any interest at all. My promotional rates of 0% are still intact which…
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cancelling a dispute with airlline
i raised a dispute with airline as they were unable to book special assistance. cc company have now told me it could take 45 days to resolve, and i may lose my money if the airline cancels the flight and dispute goes in their favour. flight is on friday, so i asked cc company to cancel the dispute as i cannot afford to…
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Balance Transfer an existing Balance transfer?
Hello all, A few months ago I completely a Balance Transfer and the terms on the new card were 21 months 0% interest to pay off the Balance Transfer and an additional 3 months 0% on purchases. I made an error however. I believed the 3 months 0% purchase balance could be paid off in 21 months time. Unfortunately I have had…
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Barclaycard PD question
Hi all, newbie here, looking for some advice. I am paying the minimum monthly payment off my Barclaycard each month via DD. They contacted me to say that I am in a Persistent Debt situation and it will take 35 years to pay off the £8166 by just paying this amount each month. The suggested amount to pay it off in 3 years…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: 3% fee BT on Virgin Credit Card by retiredbanker1
30 October at 4:36PM
