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Can you apply for and run the Natwest credit card without the Natwest app?
My mum is thinking about getting a 2nd credit card after her current (and only) credit card would not work at the tills at Tesco both with contactless and chip and pin. Luckily her debit card did work. My mum is not confident with tech and got her first smartphone 18 months ago.Thinking about a 2nd credit card with Natwest…
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Close or keep open cards for credit score
Like many, I have a few credit cards in my portfolio with a zero balance on them after historic balance transfers to clear their debt. From a credit score point of view would it be more beneficial to close and cancel these unused cards down or leave them available to show that you have access to funds in an emergency…
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Interest payments due to travel insurance reimbursement delays
Hi, just wondering if anyone has any advice on interest payments on credit cards - incurred due to delays in travel insurance company reimbursing medical bill fees. Who is responsible for these interest payments - me? Or can I submit a new claim for these interest payments?
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High interest rates charged on credit card vs 0%
Hi everyone, I just had a call with my bank, very frustrating. I made a £1000 balance transfer onto my credit card in November, and then transferred out £2000 about 10 days later. (My bad, I got my dates mixed up. But still...) I just found out they applied that payment to a previous 0% interest rate balance on the card…
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Credit Utilisation vs Total Available Credit
If the aim is to be able to get a 0% offer or card somewhere to reduce interest, which would have a bigger beneficial impact on working towards that goal? If I was to close a card I have fully paid off and therefore reduce my total available credit to a lower percentage of my income versus increasing my credit utilisation…
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Fraud Check - personal details required in public place
I was checking out at a supermarket where I shop regularly for an average spend when my credit card was blocked.SMS from card provider advised me to telephone NewDay to verify card details re a fraud alert. In a queue with a full trolley and many people and staff around me I had to give my name, address, postcode, date of…
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Repayment order
Could you lend me your brain please? Which is the most sensible/ effective way to pay off the following? Card 1: £1820 19.2% Card 2: £2981 0% for 22 months Card 3: £2270 0% for 25 months I can afford to pay the two 0% over exactly the 22/25months rather than just the minimum payment, I can also pay a little more than the…
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Credit card opened but not by me!
Hi, Sorry, might go on a bit. So I believe I'm pretty careful round all this stuff, even bordering on paranoid On 6th Feb I had a letter arrive from xxxbank that was giving me my new PIN for my new xxxbank credit card (this has never been seen). Not banking with xxxbank I rang them up suspecting something dodgy. After…
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Parking and Credit Card Issue
Hello, Can anyone help? I went to a private function at the Prince Regents Hotel in Chigwell this evening. I paid for the car park which was £4.00 but unfortunately, my credit card was debited for two £4.00 payments. I also learnt 10 minutes later that I was eligible for free parking so did the registration for free…
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Why am I not eligible for a balance transfer card
Hi all, I'm looking to find a balance transfer card for only £1,200 but when I do a search I don't seem to be eligible for any and I don't know why. My Experian score is just over 700, I've lived at my current address for 2.5 years and my previous address for 11 years. My income is about £1200 a month so can anyone tell me…
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Section 75
I have a query with regard to a “section 75”, I had booked our Holiday checked in online, and it wasn’t till we got to drop off baggage counter, the lady asked if I had another passport as mine only has 2 months before it expired and I wouldn’t be able to travel. I had paid most of the cost by debit card but did pay…
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Freelancer.com - Site took my money but the freelancer did not give me the goods asked for - Amex
Hello I agreed to pay £280 for computer generated photos I released £200 to the freelancer with the balance on hand over £200 was released but the freelancer has gone from the site I paid for these funds on my credit card The credit card company - AMEX - is not support my chargeback requested Any advise would be helpful
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Capital One credit card payments in their app - working?
Got a credit card that's run by Capital One. There was something on their app a couple of days ago about them changing payment providers. Tried making a payment using a Mastercard and refused with an "oops, something went wrong our end" message appearing. Tried a few times over the last 2-3 days and the same. Tried using a…
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Looking for a credit card that 2 people can access online balances
Hi there, This might be a very quick thing - it might be more convaluted... So my wife and I have joint bank accounts and we have credit cards linked to the same account (I'm the main account holder and my wife has the secondary card issued in her name - but only I can access online with my bank the status of the credit…
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CC or loan to pay for new heating
Just had new heating & I have a bill of £4.5k to pay. My question is would I be best doing this on a credit card or getting a loan. I'm slightly confused by the bill having bank details so I guess this would be classed as a cash advance by credit card company and attract high interest rates? Any advice would be most…
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Interest rate confusion
Hi, I am pretty good with numbers but am getting myself in a pickle with an upcoming 0% deal ending and would appreciate some advice from a wiser forumite please. Currently on the same credit card I have: £2062 at 0%, rate ending 27/02/24 £2816 at 3.9%, rate ending 19/05/25 £3273 at 5.9%, rate ending 06/11/25 I have a…
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Paying balance plus 0% BT
Can someone clarify my calculations please? CC offering me £1396 BT on 0% for 15m.I currently owe £2387 on the balance & am paying £100pcm (more than the minimum payment of around £60 so I can pay it off a little quicker). I can't see how I can pay the £1396 without paying the total off within the 15months. Is that…
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Large holiday refund returned to credit card
We recently had the disappointment of having a US holiday cancelled at the last minute (the river boat was in dry dock for longer than planned). The (large) refund was promptly processed at a point my card was £2k negative. This was not due to be re-paid until a month later as usual. The bank refused to transfer the whole…
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Santander blocked my credit card and online banking
Hi, I've been with Santander since September and recently opened a credit card - I went shopping yesterday I tired purchasing something for £400 with apple pay but it was declined, I then tried inserting my card and it was declined, I was no where near my limit. When I went to check on my online banking as I thought I may…
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Curve Metal to pay Credit card - how do I do it?
Ive just had a curve metal card and want to pay my NatWest CC (interest free) to get some points - may aswell! My Barclay avoid is connected to the curve..... However I can't find how to pay! Curve fronted is turned on, but when I phone Nat west they don't take payments over the phone and no option to use the curve debit…
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
