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Natwest 0% balance transfer card - cant get past digital login step - HELP
Hi there, I'm trying to apply for a card that gives me 0% on balance transfer with 0% fee the only ones that seem to be available are Natwest (or sister companies), Barclaycard or Santander, the cards I want to transfer from are Barclays and Santander so those are ruled out. So i tried with Natwest, when I got to the…
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Credit card eligibility checker 3 year rule
Hi guys, I moved to the UK 4~5 months ago and am planning to apply for a credit card. I do not have a credit history, so the chances are super low. I have a full-time job with a salary of more than 100k. Many eligibility checkers only accept applicants with more than 3 years of address in the UK, e.g., AMEX. Then, I cannot…
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0% Balance Transfer - Payment Allocation
I have a credit card with £1500 @ 0% offer which is due to expire 1st February 2024. There are no other purchases or transfers at higher % rates on this card at present. Yesterday, I transferred a balance of £7000 onto this same credit card from a different credit card @ 0% until 1st January 2026. The transfer was made…
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When is it you actually over the credit card limit??
Is it pending? Post on transaction? Or on statement date?
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Balance transfer - help needed.
Hi, I have a few questions regarding the best way to transfer my existing balance to a new card, which I have never done before. I have a £4900 debt on my Virgin Money card, my latest statement has 2 different end dates on it for my 0% promotional rates. The statement reads: £78 for Transfer Balances/Fees which ends on…
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Capital One Manual Payment Question
Up until recently have been paying my capital one credit card balance by monthly direct debit. However this had become annoying, as it takes several working days from the direct debit being taken, to the funds being available for use. I called customer services earlier and they informed me that if you do a direct transfer…
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NatWest Balance Transfer Card Application Rejected
This morning I applied for the NatWest Balance Transfer Card, the eligiblity checked said I was approved with a £7200 balance, and then proceeded to full application which was rejected with no explanation. I have around £4000 on existing credit cards, which I was planning on transferring to this one, but an available…
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Advice Needed - Clearing Credit Card Debt with Balance Transfers
Hi, for the past year I've been trying to clear off my credit card debt that was built up during the first couple of years in Covid. I'm 37 years old and only ever took out a credit card during that time so I'm not very savvy in terms of how to manage and clear the cards properly avoiding paying too much interest. So far I…
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Missed CC repayment date - will overpaying mimimize interest?
Hi all,Despite payment reminders I've somehow managed to miss the repayment date for my last cc statement. I have a direct debit in place for the mimimum payment and this has kicked in on the due date which was two days ago.These things happen. My understanding is that I will be hit with an interest charge covering all the…
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Why is my Amex balance due always so high?
I tend to do most my shopping using my Amex Platinum card. Sometimes when there are sales, I tend to do a really big shop and then decide to return some of the items which appear as a minus figure on my statement (which shows the refund went through). However, when I get my final monthly statement I always owe Amex a lot…
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Merchant lied!
I needed to make a payment to a merchant whom I suspected was dodgy, so I wanted the extra protection of paying by credit card. He told me that he accepted this form of payment, and provided a link for me to use. The link was from Monzo and I read it carefully before making the payment. Now it transpires that the payment I…
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Balance Transfer deal ending
Morning, When a balance transfer deal comes to an end, does it then start charging at the current interest rate on the card? Thanks
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John Lewis credit card, does the £250 has to be in 1 items?
Enjoy £40 in vouchers to spend at John Lewis and Waitrose when you open a Partnership Credit Card. Spend a minimum of £250 on eligible purchases at John Lewis and Waitrose within 90 days of opening your account It said "spend a minimum of £250 on eligible items, does it need to be £250 in one item or I can purchase in…
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Halifax credit card app notifications
Has anyone got these to work? I noticed this morning that the option was there for me to toggle on credit card spending notifications when it wasn't before. However it doesn't seem to work. I know the debit card ones can be a bit slow, but it's been a few hours now!
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Receipt for goods with all of the credit card
I am used to receipts with 12 * and the last 4 digits of the card used for payment. I never noticed at the time ( as I just checked the amount was correct.) but found an 8 month old receipt with all the 16 digits and expiry date of my debit card. The details to date have not been abused. But should I report this change…
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Credit Card transaction declined. Full 16 digits and expiry date displayed on Void/Declined receipts
I have a new Halifax
Mastercard that I have used without any problem for two weeks. It has
a credit limit of £11,000 and I have spent about £900 on it so far. Yesterday I attempted a
transaction for £33 in a long established local shop. Contactless
was declined so I put the card in the terminal and input my PIN.
Again the…
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Barclaycard account closed immediately, concerned about consequences i.e. CIFAS marker [Merged]
Hi all, I've had a Barclaycard Avios card for around 18 months. For a credit card, they're pretty lenient with where you can deposit without incurring cash advance fees or other charges. They also allow you to use a Curve card, an intermediary card that charges the Barclaycard and is essentially a debit card, meaning you…
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OTP's and 2 Factor Authentication problems
A bit of a long post but tying to highlight the difficulties experienced whilst abroad. We travel to see USA family every year for at least a month. Roaming and international charges being what they are now, I don’t use my UK mobile number but use a USA sim card for USA calls and data, and use WhatsApp calls and messaging…
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Barclaycard - Money Transfer
Anyone got any experience with money transfers coz I can’t get a straight answer from Barclays. I have 1k that’s interest free until 2025. If I have a statement balance say £500. If I pay more than the £500 does the extra reduce the interest free amount or does it just reduce what’s been spent on the card since the…
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Train Delay Repay to BA Amex?
I know if you purchase something using a BA Amex, then
return it for a refund, Amex deduct any BA Avios points originally earned at the
time of initial purchase – fair enough. However, should this apply for delay repay compensation on trains? Basically, I purchased a ticket on Transpennine Express (TPE)
using my BA Amex. I…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
