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Credit Card repayment via Direct Debit and manually
Hello, Looking for some input on this. I have a HSBC Credit Card where I agreed with HSBC to pay the minimum amount each statement by Direct Debit (as its under a promotional 0% rate). For the July statement which became due for payment on 13th August, I had made a repayment manually on the 23rd July which was more than…
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MSE credit score - credit card for more credit use
I've been using MSE Credit Club for years now (great tool) but the one minus I have against my score is credit use, and the recommendation is to buy a few things (weekly groceries) on a credit card and then pay that back in full. Firstly - is this necessary? Like, will it increase my score by much? Is there are particular…
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Virgin Atlantic Credit card- Nationwide Takeover of Virgin money
I recently opened a Virgin Atlantic Credit Card account to earn points for flights and other rewards. However, with the upcoming acquisition of Virgin Money by Nationwide, I'm starting to worry about the future of this credit card. * Is there a significant risk that Nationwide might change the terms or benefits associated…
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Stolen Wallet (Credit/Debit Cards & Driving Licence)
Apologies if this is not the right board to talk about, but I unfortunately had my wallet either pickpocketed or lost in London Green Park over the weekend. Just 4x credit/debit cards and my driving licence. I immediately froze and cancelled the cards and replacements are on their way. I've also asked the various banks I…
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Barclaycard replacement
Hi, I recently experienced an unfortunate episode with a new barclaycard ordered a few weeks ago. Basically the card never arrived, instead was intercepted (by who, when, and how - honestly, I don't know), stolen and used. I discovered this on a normal afternoon when I got a sms from barclays asking me to confirm if those…
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Forged signature?
I recently came across a credit card with my name on it that I didn't apply for. My husband said he got it and that I was an additional card holder. I didn't ask to be and I wasn't aware that he was applying for one either... Does this mean that he forged my signature to get the card? Why would I have been added as a card…
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Microsoft store £0.00 entry.
I wonder if someone will kindly explain, what may be obvious, but escapes me. Now and again I get an entry on my credit card as in the title. I have ignored it up to the present. But today I ordered an item on Amazon - then tried to change the delivery address. Every time I did so - it sent me on a bizarre loop asking for…
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more than one Barclaycard?
Occasionally I read on the forum boards that someone has two or three Barclaycards. e.g. Barclays Hilton and Barclays reward, etc. I was probably mistakenly assuming that one is allowed to have only one Barclaycard. So my questions are - does Barclaycard remove the restriction from time to time? In particular, is it…
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Restaurant did wrong currency - extra charge
We wanted to pay in €s and told the waitress this. When we tapped the Barclaycard on Apple Pay, €s was displayed. The waitress then pressed 2 for €s, but then 1 for accept conversion in error instead of 2 for reject conversion (to pounds). The end result is that we have had a bank fee applied to the receipt and nothing can…
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Late planning on abroad purchases - help!
My wife and daughter are travelling to Munich next week (Adele!) and due to recent family bereavements I haven't planned ahead for spending (usually I make sure there is a good card available for overseas spending). So, I need advice from experts! What is our best strategy to quickly find a good spending solution? I have a…
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Paying Creation Finance balance
Hello all. I bought a new PC from Currys before Christmas last year and opted to pay on a buy now pay later basis with Creation Finance. If I pay all of what I owe by 3rd September I will have no interest to pay. I was considering paying this with a credit card that awards me cash back. However when I logged in and went to…
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Money transfer offer to clear loan?
I have an offer on my barclaycard to transfer up to 6.5k at a rate of 3.5% until May 2026. We have a loan with novuna which is 6.9% and is due to be repayed u til April 2027. I would be about 2k short by doing a money transfer to pay it, along with it being 11 months shorter term but we could pay it off in that time. My…
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Credit card for one off big purchase
Hi, I’m going to in the next few months have laser eye surgery, for just under £5700. I have savings to cover this but am researching if there’s a better way to pay for it? The medical company does accept Amex, but I do not have an Amex yet, I have a Halifax clarity card that I use for all my travel and car expenses…
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Paying Off Purchase Before Balance Transfer
Hello, newbie here and apologies if my question doesn't fully make sense! I have a credit card where the 0% interest rate on balance transfers remains for 20 months but the 0% on purchases expires next month... I have signed up for a new credit card with 12 months 0% on balance transfers. Can I do a balance transfer on to…
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Onmo card not transferring ballance
Hello, I have an onmo credit card, I wanted to transfer my balance but they said they only allow to certain cards, but won't tell me which ones. Has anyone encountered this issue before and been able to transfer to another card? I had a fluid card to transfer the balance to, but fluid told me the same thing as onmo, they…
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Balance transfers and effects on credit score
I have a credit card that I'm paying lots of interest on and would like to consider a balance transfer (for up to 23 months) so that I can pay off the amount quicker. My question is this - will a balance transfer affect my credit score (which is currently excellent at 999)? If so, how?
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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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Giving up work for disability
Hi looking for any info on the above with my existing cards, if I inform them that I have to give up self employment and go to disability benefits what will happen to my limits on my cards ? Thanks
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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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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…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by surreysaver
27 February at 12:22AM
