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Guidance/Advice
Currently, I'm in the process of trying to borrow more money to renovate my house by adding it onto my current mortgage. Over the past few weeks, I've noticed that my credit score is good to almost excellent on all other agencies like Equifax and TransUnion, except for Experian where it is labelled as fair, only 18 points…
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Nationwide Interest
Please can you tell if I am missing something. I paid my CC bill off the day before the payment was due as I always do. I opened this month's statement and found I have been charged interest. I've just phoned and they have told me that I will now have to pay interest on anything I buy on my CC even if I pay my bill off in…
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Halifax Clarity Card
is Halifax Clarity Card still a good card to take with you to spain?Thanks,Steve
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Barclaycard rewards card cashback
Hello. So this card says 0.25% cashback on purchases. Does this Include things like water bills, council tax etc?
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Amex supplementary cardholder
Just wondering why Amex doesn't want the supplementary cardholder to make payment to the card. Sometime he/she uses the (supplementary) card for a purely personal purchase and wants to clear it asap so he/she makes a payment as soon as the charge appears in "Recent charges". Well Amex apparently doesn't like this, and…
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LBG change of address issue
I bought my current home about 6 month ago. Mortgage is with Halifax, so the address on my current account was changed without me doing anything. I was then reassured that I don't need to change the address on Bank of Scotland system. I cannot recall the details, but I somehow updated the address with Lloyds as well.…
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Best Practice for Balance Transfer
Hi everyone, I'm looking to do a balance transfer as the 0% interest on my current credit card is coming to an end. I was just wondering what is best practice for the 'old' card when you do this? Is it common to close the account or keep it open? Any benefits/drawbacks of doing either? Thanks for any help!
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Amex referral bonus eligibility
I recently referred my wife to Amex and there is a £40 bonus cashback now showing in my account. I read separately that you need to spend £3k/year to be eligible to receive any cashback. Is this also true of the £40 bonus; e.g. I need to spend £3k not to forfeit the bonus referral cashback?
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Credit card transfer to spouses account
Hi I want to transfer my credit card bill to a 0% and although my credit is fine I quite simply don't earn enough to get a 0% one. If my husband who is our main income got a 0% card could I transfer my balance to his card? Many thanks
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AMEX charges to Businesses
Does anybody know how much American Express charge businesses in the UK? The reason I ask is that I have a reasonably big purchase to make (£6,000) which if I do on my AMEX card I'll get £30 cashback. So I'm wondering how much the business will get charged for this because if its more (has to be, doesn't it?) then there…
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Barclaycard interest rates notification
I've been a customer of Barclaycard for years. I received an email from them to say the interest rate on my card is increasing, from 11.8% to 21.8% ! I understand everything increasing but nearly double! I've always made payments on time. Has this happened to anyone else? I'm looking at changing cards, any recommendations…
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Which credit cards are currently the best 0% balance transfer?
Which credit cards are currently the best 0% balance transfer?Thanks James
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Credit Limit Increases - manual vs automated payment
Hi, Looking to increase my credit limit on a card I have. I pay it off in full each month. Does it matter if this is by direct debit or manual payment, or are both as well regarded as each other as long as I continue to pay in full each month please? Thank you
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VM Payments via Apps
This is my preferred way of repaying CC's in addition to DD's. VM is one example of linking their App to personal banking Apps. This ensures I have more control in reducing CC's at my convenience and affordability. Does user's think Apps are positive addition.. thanks
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Santander credit card blocked
I just got a Santander Edge credit card and after four transactions (one chip and PIN, one contactless, two online) they have blocked it as they were worried about fraud. I am glad they are cautious, but this seems excessive. The only thing that could trigger a warning is that the contactless and first online were for…
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Are shorter term balance transfers paid off in priority to longer term ones?
I believe the answer is yes, but I can't find anything specifically to state it. Looking at Barclaycard in particular.
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AmEx PlanIt
AmEx have recently launched their buy now pay later feature in the UK. I decided to give it a go on a £150 purchase to see what it was all about, and whether it would be any advantage to use. I'm struggling to really see the point if I'm being honest! Sure, you don't pay interest on the purchase, but you do pay a fee…
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Buying a used car on CC, extra protection?
I’m looking to buy a cheap used car to use for a few months, perhaps around the 2k mark. It’s hard to find any dealer who doesn’t have at least a couple of reviews “it exploded 500m down the road and they wouldn’t fix it” so I’m nervous. I’m aware of the 2015 consumer rights law (lemon law) but even so, you could end up…
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Upselling, cross selling charging card without authorisation
I bought some organic kitchen cleaning products and took out a subscription for 1/2 price intro. It asked me if I would like a bathroom set which I put into basket, but changed mind and didn't proceed to payment, but I was charged and sent the the unauthorised goods. As my card details were retained for subscription should…
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Increasing Credit Card limit question
Hi I have been increasing my credit card limit every 6 months. I never miss payment and I have requested a 1k increase every 6 months which is granted. I am wondering what would happen if I request 2k? Is there a chance they decline and then I get no increase at all? Or would they decline and then I request 1k which they…
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: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
