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Warning! Zopa cash withdrawals
I, unfortunately, had to make a cash withdrawal from my Zopa card. Ever since then, between 1p and 2p has been disappearing from my account everyday. I have waited 5 days to give them a chance to rectify this. I will contact them today, but I am concerned that, if they don't know about this glitch, it could be happening to…
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Replay Jeans Website - Hidden Duty and Tax Charges
Looking for some advice to understand if I have any comeback with the replayjeans website. I purchased three pairs of jeans online and during checkout process and on the email confirmation - delivery was free of charge. Paid for on my credit card, however, I then received an email from Fedex advising me I had duty to pay…
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Credit card application refused
My niece, who is Mexican, now lives and works in London. She has applied for a UK credit card from HSBC, but has been refused, despite now earning a decent salary. The refusal no doubt stems from the fact that the bills for her (jointly held) credit cards in Mexico don't get paid off in full every month, as the other party…
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Santander eligibility and number of cards held
I checked my eligibility for Santander's 0% no fee BT card and was declined - there are many good reasons this could be and I realise I will never know which it was… ..however, one of the questions was how many card do you have? To which I answered 7+. I am wondering if this is a hard no for them or just a part of the…
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Natwest Shutting Down Virtual CC Buy Now Pay Later Accounts
I just had a letter from Natwest to let me know that from the 7th May, they are closing the virtual CC accounts of people. This virtual card came in very handy for me, it only had a 1k limit, could only be used online and split purchases into 4, interest free payments. Now I always pay all of my cards in full every month.…
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Cash advance charge on purchase
I have a John Lewis Credit Card which is administered by New Day. I recently renewed the navigation services for my Peugeot motor car by making a payment to Peugeot PSA. Imagine my surprise when I was charged a £3 cash advance fee + £1 interest charge on the payment. New Day say that Peugeot PSA are a Financial Institution…
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HALIFAX Balance Transfer
In case anyone is thinking of doing a BT to Halifax and wondering how long it takes I applied yesterday and it was both actioned and completed yesterday. I think this is the fastest BT I've ever done. Only downside for me was it was only a 15mth offer. Well done HALIFAX.
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Nationwide Acquisition of Virgin Money...Impacts
I understand no one knows that actual impact which is why I am interested in the debate below. Do people think that nationwide acquiring virgin money will make it more difficult to get those middle of the road deals, not quite subprime small limit and small timeframe cards from the likes of Newday, Capital One, Zopa etc…
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Could do with some advice on a balance transfer
I have about £4500 debt on a tsb credit card and £3500 with tesco credit card. I think I'm paying about £90 a month with tesco and less with tsb. Clearing my tesco is my priority as the interest is higher. Looking at balance transfer I did a soft check on go compare and it said I'm pre approved for an 18 month interest…
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Barclaycard Persistent Debt situation
Hi all, I have had a Barclaycard since 2018, kept it fully paid on time every month, as I have with all my debts, but early last year (Jan-Apr 2023), they told me they were suspending it because I was in persistent debt, so I told them I didn't want it suspended and reminded them that I've never missed or made a late…
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Total Credit Card Confusion
Hello! It turns out I am a complete novice with credit cards and all things money. I have had several in the past and paid them all off. I currently have a Nationwide CC at £0.00 and a Virgin Money CC at £0.00. They have both run out of 0% and I want to book expensive flights so ideally want to open a new one. 1) would I…
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Balance transfers
Hi all Scenario is that OH can Halifax money transfer but Natwest Group not offering BT cards. Theoretically, is the below possible: 1. OH money transfer from Halifax 2. I balance transfer OH Halifax to my Barclays (that allow partner transfer) 3.I balance transfer from Barclays to Natwest 4. Repeat 1 and 2 5. I balance…
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Credit card usage affecting credit scoring
For a number of years now I put all my expenditure on my credit card and then have a direct debit to pay it off in full each month. However, it appears Experian credit scoring is old fashioned/unsophisticated and does not recognise this increasingly popular usage of credit cards because many provide reward points or air…
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Creating a credit history
Hi all. For the last 4 or 5 years I have taken no loans and have kept my Credit Card statements clear at the point of creation. I realise now that this now means I have no record of being a good customer who can borrow responsibly and pay back reliably. My question is, is the information sent to the credit reporting agency…
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0% purchase cards and foreign transaction
I'm looking up getting a new credit card to help pay for our honeymoon this summer. I've done Martin's eligibility test and we've been recommended Natwest or Barclaycard, they have excellent term 0% on purchases which would give us an extra 19 months to pay off the expense which is perfect for us after just paying for a…
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0% money transfer/balance to pay off loan?
Hi there everyone, I have loan with first direct that is roughly £300 a month, I’m looking at options to lower that monthly payment for a few months, there is £7000 left to pay but I’m thinking of some options to pay it off like a balance transfer or money transfer card. I have a NatWest purchase and balance transfer card…
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Capital One Transfer Limit
On the balance transfer card for capital one it says (We’ll let you know if your full transfer amount is within your credit limit, before you apply). I’ve put in £1,000 and it says accepted and the credit limit on the page says up to £1,500 so I’m guessing I’ve been approved for a £1,500 limit on that card, I’ve called…
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Eligibility checks - third party vs bank's website
Just a useful nugget of information to confirm what's often said on these boards.I've got a credit card where the 0% rate is due to end soon. I have the money stashed away to pay it, so no problem, but I thought I'd see if I could transfer it somewhere else just to carry on earning a few pennies interest on my savings.I'm…
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Firm goes bankrupt will also making a Section 75 claim - What happens, where do I stand
I tried to reject my caravan back in January, due to poor quality repairs and ongoing water ingress issues. As I had rejected the caravan while it was still at the suppliers workshop, I left it there and gave them 14 days to refund me but the company disputed my Statutory Final Right to Reject, saying they "felt' they did…
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Does Virgin Money tend to offer good existing customer balance transfer/money transfer offers?
My existing balance transfer on my Virgin Money card will expire in a couple of months' time (I will repay it before then) and it'd be helpful to know whether Virgin is likely to offer me a good "existing customer" BT offer.
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: Are BT 0% offers usually on new cards? by kimwp
5 August at 9:57AM
