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Santander Credit Card. Once closed barred forever? any others the same?
hi. as the title says really. Once you've had and closed a Santander CC account you can't get another - ever, is that correct? i know Chase current is the same, any other financial accounts in the same boat?
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Onmo credit card - anyone else finding them awful
Hi All, first time posting on here. Currently starying out rebuilding my credit after past mistakes, will be default and CCJ free by August next year. Anyway was recently accepted for the Omno credit card and it looked ok at first, decent limit not planning to go mad and max it out, just use about 30 percent per month and…
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90day 0% card repayment interest?
I have a credit card with 0% introductory rate for 15months, but that only applies to purchases made in the first 90 days. after that the normal 20%ish rate applies. I made some purchase with it before 90days and some after. So- when i repay, do my payments clear the 0% loan first, and leave the 20% part till last, so i…
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Change Nationwide credit card limit more rapidly
I've been a bit stupid, I don't use my credit card much, there as a small amount owing on it, £50, and I forgot to pay anything off for a couple of months and now Nationwide have slashed my limit down from 10k to £500. I'm working on a building project and I could really do with the limit reinstated. I have contacted them…
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Second card yes or no?
I've just checked my credit files, and they're excellent. They're also showing a number of Credit Cards with 90%+ likelihood of obtaining one. With my current card I'm using no more than 5% of my available credit each month. What are the advantages/disadvantages of obtaining a second card?
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Car repair
I recently sent my van in for an engine refurb as it had a bottom end failure. The van was driveable when the tow truck came to pick it up and I have confirmation that they had the van driving after the engine had been refurbished. However, before I came to pick it up, I then got a call from the garage to say the ECU had…
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LBG to Reintroduce Late Payment Fees
Lloyds, Halifax, BOS & MBNA will start to reintroduce late payment fees and removal of promotional rates for late payments from August 2024.
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S75 if I close account?
Hi, I opened a CC in January in order to make a purchase (grave memorial) in March for which I wanted S75 cover, Was given a CC with £1100 limit. Have since used it for normal purchases too, and paid monthly in full. Oddly, my credit limit was yesterday to £250 for no apparent reason, all good on Experian, now rendering…
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Halifax Clarity vs Revolut
I am wanting advice on which is best card to use abroad for my upcoming holiday to Turkey? I have a Halifax Clarity Card I have Revolut Card on the App How do I check which has the best exchange rate on the day? Should I order a Physical Revolut card incase I want to withdraw money from the cash machine?
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Looking for advice on how to manage down multiple credit cards
I'm after some advice on how to safely manage down my current credit card situation and also to pick a card that should start to provide some beenfits/rewards. Around 14 years ago I was maxed out on 3 cards after years of taking balance transfer offers then only making the minimum payment each month. I had around £12,000…
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Debit vs Credit card for small business
Hey everyone, I'm currently looking at getting a credit card for my small business with my bank (Monzo), however I was wondering if it is worth it or not and if I should just stick with my current debit card? I've heard that there are benefits that do come like no travel fees and making it easier to break down each bill,…
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Tesco Bank will not close mothers Tesco Credit Card Account
Hi All My mother is 85 years old, she has dementia and is in a care home and spends most days staring at a wall. She has a Tesco Bank Credit card account and each year about £70 goes out of her account in January. We cannot tell from the statement description who it is, so contacted Tesco Bank to cancel the payment and…
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Just been accepted - can I set up direct debit later?
As the title says, I've just been accepted for 15 months 0% purchase card. When it asked what limit I'd like I said £3,000, and the confirmation page suggested that's what it would be. It's asking me to set up a direct debit, but I don't want to do that until I've actually spent money. Can I set that up later, or is it…
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Vanquis App - Notifications Blocked? Android
Hello, Both wife and I recently got a Vanquis credit card, but we are not receiving any notifications of statements, or any push notifications of transactions. I have looked in app settings and the notification toggle is greyed out to blocked, thus cannot be changed to allow. I´m having to set a calendar reminder to when…
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Halifax Clarity Alternative
Is there a card on the market that is similar to Halifax Clarity (i.e. no fees for non GBP transactions/cash withdrawals abroad) that anyone knows of? I only want it for occasional use to pay for things like holidays in EUR (for example) then settle the balance straightaway. I know I can do this with the likes of Revolut…
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Moving from Tesco to tesco
Hi all, I was accepted for a Tesco balance transfer credit card with a 12 month 0% interest period which ends in may. Reading the latest MSE weekly email they state that there are 2 cards with 28 months available with one of them being Tesco. Do you think Tesco would allow me to open one of their 28 month cards and…
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Motorcycle dealer won't accept CC online
Buying a motorcycle (scooter) from a dealer in the UK but not close to me. There's one locally, but having looked online I found another UK dealer with the same bike but lower priced. They have good reviews, and I contacted them. I want to pay part on credit card, for the protection, but they said they want the money by…
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MBNA Misinformation
Before anyone starts, I am not seeking compensation, purely want to engage in conversation about the topic and see people's thoughts. I couldn't see any balance transfer offers on my MBNA app yesterday, not surprising given my credit record. Thought I'd just ask on live chat to customer services how often these get…
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New to Credit Cards - Repaying the same day statement generated a good idea?
Sorry for the basic question, but I have a couple of bad credit, credit cards and want to make sure i´m doing all i can to bring credit back on track. I have a capital one with a £200 limit, and a Vanquis with £600 limit. 3 months in and i am paying the balance (less than 20%) in full the same day i get notification of a…
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halifax clarity - I want to pay it off but still pending after 2 days
I made an ATM withdrawal on holiday (EU cash machine withdrawal and charge in euros). Previous balance on my Clarity card was zero (nothing outstanding). I understand that interest is applied immediately for ATM use so I want to pay this off. However, after 2 days it is still "pending" and it wont let me pay off the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
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Most recent: Stoozing first time queries by Fingerbobs
1 September at 12:01PM
