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Will better deals come in?
I’ve been self-employed for the last 7 years and then a student nurse for the last 3. I’ve got to the end of that road and will be starting a permanent post in September. My credit file is fine with no missed payments, but I’ve ran up a lot of credit cards during my time studying (I’m in my late 40’s btw and single). I’ve…
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Is a money transfer credit card a/the best option for me?
Hello, my girlfriend and I are definitely inexperienced when managing are money and we have just moved into our first home. I have £1900 debt on an old Santander student account which I’m now paying interest on. my girlfriend has £3000 debt on PayPal credit which she is also playing interest on. what is the best way for us…
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Card application when retired: How to show income
Some background: I recently retired. My plan is to live off cash savings until next April when I will start drawing down my private pension. I want to take a holiday later this year and rent an apartment for a few weeks. Some of the apartments are pay on arrival, but my HSBC credit card is expensive for travel spending so…
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Lost all BT offers
Hi all, I've got a few CCs with some fairly small balances, but recently used one that had interest free for 2 years to buy a car, worked out cheaper than finance, so used it to transfer 16k. I've got plenty of other cards with no balances, a barclaycard I never used with a credit limit of 18k etc. I always pay everything…
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Vanquis App
Is anyone else becoming hugely frustrated by Vanquis? Their app stopped working for me recently, and in spite of my complaint they don't yet appear to have a fix. Now I can't even access my statements from the desktop site. So annoying!
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Securing guaranteed limit on 0% payment card in advance
Have two CCs, modest limit (total ~9k). With the exception of when I first got one of my cards years ago, I've never utilised 0% purchase periods. I clear the balance every month. My CCs are 8 and 6 years old, hence not used to applying and the ins and outs. Considering big purchases and/or stoozing ahead and wondering if…
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Paying Off Balance Effect
Hi, I wanted to ask a question regarding paying off my balance and its effect on my credit score/file. If I was to pay off any purchases moments after placing it, would this make any difference compared to leaving it until the end of the month and paying it all off at once?
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No fee card for spending when abroad
I recently went to Italy for a short visit and didn't really plan my trip in advance. I paid for some items in cash and some on my debit card using my phone. Having looked at my balance I've been charged a non-sterling transaction fee for each transition. I'm heading to Spain soon and would prefer to pay on my card again…
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Credit card debt consolidation through re-mortgage
Is it true that you cannot consolidate 0% credit card debt by re-mortgaging, That your credit card debt needs to be on a higher interest rate than you mortgage rate?
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Natwest Mastercard - mortgage payments
Does anyone know if Natwest credit card treat mortgage payments as transfers/advances? I've been playing off lump sums from my mortgage with my Barclaycard Visa - no fees charged (on the credit card), cashback reward paid, sorted. (For the record Barclaycard thinks the transaction is "Services, Not Elsewhere C", and a…
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Nationwide Credit Card - SOLVED
Call me an idiot (I know some will) but does anyone use Nationwide's app and understand their credit card statements? On the app and even if you download the PDF of the statement, its not really clear (and this is more than likely me not understanding) when the charges start and when they end. I pay off the card in full…
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John Lewis Partnership Card - new payment plan
Has anyone else had an email from NewDay telling us that they are going to 'collect' our monthly direct debit payments FIVE days before the due date? And also that our account will be made up five days later than before. Do they think we are daft? Their terms were already worse than those ruling when HSBC ran their card.
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Google Wallet still offers old Amex card when adding a new card
I deleted an old Amex card from Google wallet a while ago, however when I want to add a new payment card my old Amex card is still shown as an option to add it.I suspect I may have just deleted it from Wallet and not all google payment applications, I have looked at other google payments and cannot find any payment cards…
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Second NatWest credit card
I currently have two NatWest credit cards. One was a 0% balance transfer card with a £6700 credit limit. The 0% deal expired on 21st July. I paid it off at the start of July. My second NW card is 0% purchase and Balance transfer. The 0% BT has expired, but the 0% purchase part expires November 2025. I’ve only used this for…
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0% purchase and transfer cards.
I’m trying to get some clarity around exactly what constitutes a ‘purchase’ on 0% purchase and transfer type cards. The ‘balance transfer’ from another card is self explanatory. But the ‘purchase’ aspect is a little more unclear in a particular scenario. The scenario being this: If I were to use this type of card to pay…
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Credit Card Limit
I've recently used the MBNA Credit card app to raise my limit from £1000 to £5000 and was automatically refused. I've been with them for over 25 years and never missed a payment which is by DD full amount each month. I'm retired with an annual income of £47000 and no mortgage/rent I have an excellent credit rating with the…
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What credit card do i need to apply for
I have a debt with a utility company that I racked up when we had a AGA. Bloody thing... Long story short. I want to pay off the debt using a 0% credit card as they have increased my monthly bill to £330 per month. But I dont know which card I need to apply for e.g. balance transfer, money transfer or purchases. Also when…
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That Was Quick !
Just received an e-mail from JaJa Asda credit card that my interest rate has reduced, by 0.25% from 23.29% to 23.04%, due to the BoE rate change ! Not that it makes any difference to me.
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Pay penny items with credit cards. What will happen ??
I know there have been previous discussions about paying for items that cost less than 5p (let's say) with a credit card. Some merchants may not take such low-value payments. So, if you rely on a seldom-used credit card for a monthly direct debit (if needed), you might encounter issues meeting the direct debit…
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cc app user restrictions
Hi,I currently am the holder of a BC with a named 2nd user who's my partner. I want my partner to also have access to all transactions on both cards as I'm able to. Unfortunately, BC doesn't allow this. Does anyone know of a card that will have the option of two people accessing all transactions? Thanks.
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
