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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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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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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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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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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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Used car chargeback what do I do now?
So I bought a used car back in September 2023, within 14 days faults appeared, tried to reject (merchant assaulted me and police were involved) consumer helpline advised that I went to my bank (starling) and perform a chargeback. I filled in the form which was accepted 31st October 2023. I supplied all my evidence and the…
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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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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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My credit card limits reduced to £100 - why?
I had 2 credit cards. 1 with £8000 limit and the other £14,000. I never use my credit cards - only maybe 3-4 times a year - like when booking for a holiday or buying something expensive. A few days ago, I got messages saying that my limits were reduced to £100. OMG. I haven't done anything! I've tried calling - but they…
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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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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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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!
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
