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Securing guaranteed limit on 0% payment card in advance
Have two CCs, modest limit (total ~9k). With the exception of when I first got one of my cards years ago, I've never utilised 0% purchase periods. I clear the balance every month. My CCs are 8 and 6 years old, hence not used to applying and the ins and outs. Considering big purchases and/or stoozing ahead and wondering if…
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Paying Off Balance Effect
Hi, I wanted to ask a question regarding paying off my balance and its effect on my credit score/file. If I was to pay off any purchases moments after placing it, would this make any difference compared to leaving it until the end of the month and paying it all off at once?
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No fee card for spending when abroad
I recently went to Italy for a short visit and didn't really plan my trip in advance. I paid for some items in cash and some on my debit card using my phone. Having looked at my balance I've been charged a non-sterling transaction fee for each transition. I'm heading to Spain soon and would prefer to pay on my card again…
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Credit card debt consolidation through re-mortgage
Is it true that you cannot consolidate 0% credit card debt by re-mortgaging, That your credit card debt needs to be on a higher interest rate than you mortgage rate?
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Natwest Mastercard - mortgage payments
Does anyone know if Natwest credit card treat mortgage payments as transfers/advances? I've been playing off lump sums from my mortgage with my Barclaycard Visa - no fees charged (on the credit card), cashback reward paid, sorted. (For the record Barclaycard thinks the transaction is "Services, Not Elsewhere C", and a…
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Nationwide Credit Card - SOLVED
Call me an idiot (I know some will) but does anyone use Nationwide's app and understand their credit card statements? On the app and even if you download the PDF of the statement, its not really clear (and this is more than likely me not understanding) when the charges start and when they end. I pay off the card in full…
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John Lewis Partnership Card - new payment plan
Has anyone else had an email from NewDay telling us that they are going to 'collect' our monthly direct debit payments FIVE days before the due date? And also that our account will be made up five days later than before. Do they think we are daft? Their terms were already worse than those ruling when HSBC ran their card.
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Google Wallet still offers old Amex card when adding a new card
I deleted an old Amex card from Google wallet a while ago, however when I want to add a new payment card my old Amex card is still shown as an option to add it.I suspect I may have just deleted it from Wallet and not all google payment applications, I have looked at other google payments and cannot find any payment cards…
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Second NatWest credit card
I currently have two NatWest credit cards. One was a 0% balance transfer card with a £6700 credit limit. The 0% deal expired on 21st July. I paid it off at the start of July. My second NW card is 0% purchase and Balance transfer. The 0% BT has expired, but the 0% purchase part expires November 2025. I’ve only used this for…
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0% purchase and transfer cards.
I’m trying to get some clarity around exactly what constitutes a ‘purchase’ on 0% purchase and transfer type cards. The ‘balance transfer’ from another card is self explanatory. But the ‘purchase’ aspect is a little more unclear in a particular scenario. The scenario being this: If I were to use this type of card to pay…
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Credit Card Limit
I've recently used the MBNA Credit card app to raise my limit from £1000 to £5000 and was automatically refused. I've been with them for over 25 years and never missed a payment which is by DD full amount each month. I'm retired with an annual income of £47000 and no mortgage/rent I have an excellent credit rating with the…
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What credit card do i need to apply for
I have a debt with a utility company that I racked up when we had a AGA. Bloody thing... Long story short. I want to pay off the debt using a 0% credit card as they have increased my monthly bill to £330 per month. But I dont know which card I need to apply for e.g. balance transfer, money transfer or purchases. Also when…
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That Was Quick !
Just received an e-mail from JaJa Asda credit card that my interest rate has reduced, by 0.25% from 23.29% to 23.04%, due to the BoE rate change ! Not that it makes any difference to me.
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Pay penny items with credit cards. What will happen ??
I know there have been previous discussions about paying for items that cost less than 5p (let's say) with a credit card. Some merchants may not take such low-value payments. So, if you rely on a seldom-used credit card for a monthly direct debit (if needed), you might encounter issues meeting the direct debit…
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cc app user restrictions
Hi,I currently am the holder of a BC with a named 2nd user who's my partner. I want my partner to also have access to all transactions on both cards as I'm able to. Unfortunately, BC doesn't allow this. Does anyone know of a card that will have the option of two people accessing all transactions? Thanks.
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Zopa credit card
I have a large balance on my Zopa credit card. I’ve recently taken out a 0% balance transfer card for 20 months with Barclaycard. Great I thought, until I tried to move the balance over to be told Zopa is a card they do not accept. So then went plan B, pay Zopa with my capital one credit card then move that to Barclaycard.…
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Balance Transfers
I'm pretty new to this type of thing. I've just opened a 0% balance transfer credit card with natwest with 13 month interest free period. I've transferred my 1st ever stoozed balance from my Barclaycard as it was coming to an end and I'm wondering wether I can transfer the small balance from my m&s card too and also, I've…
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Section 75
Hi, I wonder if anyone can give me advice on my issue, I bought a new car diagnostic tool on eBay and paid for it on my credit card via PayPal. The issue I have is that the seller advertised that the tool would recode injectors as per there description. Before purchasing the tool I contacted the manufacturer to check if…
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Santander edge credit card monthly period
Does the month begin when you activate the card and stay like that forever as opposed to most cards that use calendar months?
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CCJ Error and Issues with Credit Cards
Earlier this year I got a CCJ in error due to Aviva Car Insurance not paying someone whom I had a car accident with. They admitted the error and gave me a letter to say it was their error and £500 compensation and said it was removed from my credit reports (which is has been). The set aside is in a long delay of court…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
