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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.
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Paying off my Very buy now pay later balance with a credit card
If I do as per the title, will the credit card (Santander Edge) treat it as a cash withdrawal? If not, would I earn Cashback on the transaction?
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Chargeback or section 75 claim?
Goods ordered from Germany over 1k on barclaycard Never received them It appears courier simply left them by the back door with no authorisation from me and left in plain sight to be taken. If the retailer does not refund me this week then should I do a charge back or a section 75. Just wondering which is the best…
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Sainsbury's card being declined
Just a heads up in case anyone else is in the same situation. I have a letter dated 1 March 2024 saying that Sainsbury's are sending out a new card but to continue using the old one in the meantime. No new card has arrived but on from 12 March my old one is being declined. I have just spoken to customer support and…
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Money Transfer and then Balance Transfer
HI, looking for some advice on if this is a good idea or not. i currently have some debt which is being dealt with. Although I’m coming to the end of a Balance Transfer period on Lloyds and Tesco. However I last night got accepted for a Tesco card with a significant credit limit (enough which will allow me to merge my…
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
