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Some advise and confusion
Hello all I have had a very account for two years now started with £600 was upgraded to £900 never missed a payment and payments have been cleared before the end date of the BNPL Today I had £600 left on a £900 ,limit but my order keeps being rejected and I don't know why What could be reasons it declined for
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0% spending card or personal loan ?
Hi experts, I am looking to borrow £2k to upgrade my car, I have been told current car will need major work soon so needs to go. I can cover most of it through savings and part exchange but need to borrow 2k, either through a 0% spending card or taking out a 2k personal loan. I have a very good credit rating and I have…
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Splitting the Bills
Normally on a family UK holiday, we have a cash pot whereby everyone puts in an equal amount generally £40 per time. We then use the pot to buy drinks and food in shops or restaurants. Always the stumbling point is one person has to hold all the cash and go to the bar, It's easy when it's notes but come down to the pound…
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Amazon Declining Credit Card
Hi, Has anyone else had an issue with Amazon declining their credit card? I have contacted the issuer and there are no blocks or problems with my card and it has plenty of credit. My card had been accepted for at least 8 years before this. I've deleted and re-entered the card details but am still having the same issue.…
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Suggestions for whicg credit card?
I have had a Barclaycard Visa for many years which I pay-off in full at the end of each month. However Barclaycard recently decided to reduce my credit limit to a fifth of what it was previously which is not enough for my mointhly spend, Have been in contact with Barclays head-office but they refuse to reconsider their…
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Eligibility Checker 'approved' by Barclaycard 6 years and 1 month after default
I defaulted on a Barclaycard in May 2017 although it was settled in 2021 as I had cleared it all off by then. It fell off my credit file last month. Today, out of interest I tried the eligibility checker on Barclaycard website and for the first time I can remember (I had tried 2 or 3 times in the last year out of interest)…
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What is this payment?
So I have just checked my credit card statement and find that for the past two weeks I have paid £1.69 to PPOINT_ TODAYS NEWS GR GRANTHAM GBR I cannot find who this is and how to stop it. I will contact my card company when they open and stop it but curious. Local paper has a monthly subscription but I haven't subscribed.
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What's the best way to renegotiate the interest rate on your credit card?
I've been with Capital One for 3 or 4 years now. I started off with a credit limit of £200 and a high interest rate as my credit rating was poor, I think it might have been billed as a credit building card, or similar. Over those 3 or 4 years I used the card regularly paying off the balance on time each month. I also…
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Credit card interest calculation
Hi all, I have a small bit of confusion regarding credit card interest. I usually pay off my card in full but was surprised at the interest calculation this month. In May my credit card balance was £2,245.18 due 22nd June. I knew I couldn’t pay it all off so paid off £1000 on 11 June expecting to pay interest on the…
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Spreadsheet download on a Sainsburys Credit Card?
Thinking of switching from a John Lewis Credit Card to Sainsburys card (Nectar). Does anyone know if it is possible to obtain a CSV file download of the transactions?
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Easyfx
I've just applied for an Easyfx account to get their OneCard to use on travel spending. I have just checked the FCA registration number for the company (VFX Financial plc) 541092. The FCA website is a bit confusing. It says PSD Status Cancelled - Authorised PI This is firm that can no longer provide payment services The…
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Barclaycard
Firstly, I have called Barclaycard and came away more confused and with no concrete answers. I got a lot of 'I think that should be ok ... ' and 'I'll double check' then again unable to answer clearly after checking goodness knows what. I am reluctant to ring back to try another cs person as it took 40 minutes to get…
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1% cashback vs. transferring monthly CC balances and keeping money in savings
I'm just wondering if there's any flaw in my thinking that rather than spending my money immediately (Chase debit card) and get 1% back, I accumulate monthly spending on one of my credit cards and then balance transfer it to another card with 0% for 18 or 22 months. There is a fee of 2.4% for 18 months which equals to 1.6%…
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Can I max out money transfer by combining with balance transfer?
Hi - at the moment MBNA are offering up to 15K money transfer 0% 14 months card with a 3.59% fee, and RBS offer a 19-month no-fee 0% balance transfer. So I'm thinking of combining the two to (almost) double the money I can transfer. See steps below. Has anyone done this? Any reason it would not work? 1. Get maximum money…
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Finished with Credit Cards - What is best to do
Hi, I have around 5 credit cards with zero debt on, and their initial offers have expired. In my head, I'd close the accounts and apply for a new purchases credit card and go from there, but I don't want to do anything detrimental to my credit rating. What's the best approach?
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What to Fill Out "Personal Income" As?
I want to apply for my first credit card soon, however I'm not quite sure what I should fill out as my annual income. I'm self-employed, running my own company. Most of the money the company makes, I keep in the company account for reinvestment, but I can technically take out as much as I like if there any additional…
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Is it normal to hear nothing from Barclaycard after applying?
I haven't used Barclays before. After my application online they said they needed to do further checks. But I didn't receive any confirmation email (and still haven't). It's been more than a week now, and nothing has arrived by post either. Now I'm wondering if I entered my email address wrong. I would expect as a bare…
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Accepted for Amex - want to change other CC from BT to 0% spending every day card
I have two CCs with a 0 balance left from paying off some CC debt, but they will charge interest if I spend on them, so I literally never use them. I’ve written to get one of them closed. This week I was approved for an Amex (partner referral gets loads of Avios for them) but I know that not everywhere takes Amex. The one…
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Interest on 0pc card
Hello I have a 0pc interest card with the following balances: 3,859.50 0pc expires 12/11/23 6,165.49 0pc expires 23/06/24 plus: GBP 0.02 (yes, two pence) at 25.17pc EAR GBP 12.90 at 25.17pc AER I'm paying off around GBP250.00 per month. The twelve pounds has gone up from about 8 last month, when I queried this and asked if…
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Estimated credit limit
Just a slight moan... Looking at a 0% purchase card for a large one-off purchase. Looking at what's out there, and what's really striking is how some banks can't wrap their head around the idea that without knowing the likely credit limit, it's a waste of everyone's time. Some - including MBNA, Lloyds... - indicated the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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