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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…
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Paypal Credit
Hi people. Sorry I know Paypal Credit isn't physically a credit card, but I couldn't figure which board to write this. I've had Paypal Credit for a few years now and it currently stands at just over £5,000. Due to moving areas, I've had to find alternative employment and really struggled to find a job that paid the same as…
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M&S Credit Card. Something went wrong. Apply again!?
Now what? has anyone experienced this? other than phoning them do i know if they may still process, whether there actually has been a search and indeed will there be another? how quickly would a new search appear on a CRA. if i were to apply again and there had been a search already, would the fact that it was an M&S…
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What happens to the goods after a successful charge back
Good afternoon We purchased a car from an independent dealer back in January, they have failed on numerous issues, not supplying a 12 month warranty and the mileage is in question, the retailer said he couldn't afford to pay for the warranty, and then said he was going out a business, so we applied for a chargeback claim…
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Section 75 protection
Hi, I’m having some works done for £30K. In order to get protection, I’m paying a £1K deposit by credit
card. The rest of the payments will be staged and made by BACS. My parents have offered to pay for the work. Does this present any problems in the unlikely event I needed to
make a section 75 claim? All quotes and…
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0% help explain
So my wife is paying down a debt on a 0% credit card was around 4k she has £800 left to pay she has 2 month left of 0%. on my current credit card I’ve been offered 0% balance transfer of upto 4k for 12 months but I just plan to use the £800 the card that I have the offer on has a pending transaction of £80 that’s it and…
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Stoozing Newbie
I've pondered stoozing in the past, but always been a bit nervous about it. It would be great to get a second pair of eyes on my thinking: Halifax 0% money transfer £9000 (already have this card) to Trading 212 at 5.2% Natwest 0% fee, 0% balance transfer Halifax amount for 13 months (approved for £13,700 limit today) Can I…
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Credit Card Holiday (Fluid)
Hi, I'm a 71 year pensioner and have a Fluid Credit Card with a Credit limit of £2,500, my my credit score is FAIR, 722 with Experion. Unfortunately due to Covid and the recent COL crisis I relied too much on the card and the current balance is now £2400. I have never missed a payment or paid late, in fact I have a perfect…
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Apple wallet hack
My son (21) late last night noticed three unusual payments from two separate bank accounts (Santander and HSBC). Santander (three transactions £0.99, and 2 x £49.99) has told him it's from his Apple wallet - he's a money-conscious student so is very good at knowing what he's spent and is adamant he has not made those…
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Is recurrent CC transactions suitable for Charge Back
Long and sorry story. while trying to set up a free Paramount Plus account from my SKY setup, I accidentally (100% my fault) went to a Paramount Plus reseller site (Gamingify) and signed up. It was free and I provided my SKY account details, they then set up a 14-day recurring payment against my credit card after three…
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: Lloyds 0% overdraft by pecunianonolet
29 September at 8:42PM
