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118 118 Money will not let balance be moved to another provider
I have a credit card with 118 118 money and would like to move the balance to another card (FLUID) who are offering a 0% on balance transfers. I have the FLUID card set up but when requesting the balance transfer 118 188 money are saying no, saying that personal data information does not match - we have checked and 118 and…
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Too many new accounts opened, how long does affect last?
I've been a bit foolish and opened multiple accounts/cards at the same time taking advantage of various offers. This is despite there is virtually no credit being used on them. I have just tried to get a personal loan at a reasonable rate and been declined several times, along then with having the Hard Searches. My 'credit…
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PayPal credit and increasing limits
Hello everyone: Firstly I would like to point out that I know people do get into trouble with PayPal credit and that it is a frequent topic of conversation on the Debt Free Wannabe forum. However, I have switched on the notify me if you want to increase my credit limit thing and I have accepted limit increase from 800 odd…
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Defective Barclaycards
Defective Barclaycards. Despite being placed - in my wallet - alongside my credit cards with other institutions, my most recent three Barclaycards have only lasted a couple of months before they have become defective (unable to be read at ATM/EPOS systems). Am I unlucky or are others experiencing this problem?
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buying a gift from Amazon US for friend in US - best way to pay?
Hi All, I'm buying a surprise gift for a friend who lives in the US. I can get this via Amazon and because I'm spending over $35 it's free shipping. Great. But then it gets to the paying for it bit. I'm using my UK credit card and the site asks if I want them to convert the amount into GBP (for a fee) or do I want to pay…
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Balance transfer
Hi, if I do a 0% credit card balance transfer, and the offer is for say 20 months, but the purchase offer is only for 6 months, so after 6 months if I purchase something the interest is only applied to the purchase, not the whole balance? I realise the point of the balance transfer is to have no interest so make it a…
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Credit Cards vs Debit cards rewards/ interest
Hello! We have about 20k in the bank ready to spend on our house - namely White goods, decoration, sofas etc (no building work) Is it better to keep the money in a high interest savings account, and get a credit card with rewards - pay for the goods through the credit card - which we would pay back monthly IN FULL via the…
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Capital One - 2nd Card
Hi all When holding one Cap1 card you can open another once your first card has been open 2 or 4 months (it varies depending where on the site you look!). To those that applied for the second - did the eligibility checker work & give you a chance of approval (e.g. 50/90/100 etc)? Or did you just go straight to the page and…
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lloyds bank taking the micky with credit card
Has with a lloyds credit card , had them take the micky with intrest rates and nearly double it for no reson. Iv had one of there platinum cars at 10.8 apr and aways pay off in full. as soon as i made a large purchase, they tryed a rug pull and nearly doubled the apr to 18percent. little did they know i was still intending…
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Credit card refund
In September 2023 I booked flights for June 2024 on a Canadian airline using my credit card. In February I had an email saying the airline had ceased operating with immediate effect. I called the bank, who said that since the transaction was made more than 90 days earlier I could not claim a refund. I looked into it, and…
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£25K on cards. Just Xferred £15K to Barclaycard 0%. How long to apply for another card
Hi. £25K balance on the cards. Have applied and been accepted for Barclaycard 0% Transfer. Have just put £15K on this. How long is reasonable to apply for another 0% card - and transfer the remaining £10K Experian score is 987. Thank you all in advance.
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Credit Card interest question
Hello, After some quick advice. I did a Balance transfer about 18 months ago which is coming to and end in June but before payday. All in there is around £600 left to pay So i plan to pay £300 this month an the remainder at the end of June. However my BT 0% period ends on the 2nd of June. Before payday. I was wondering…
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Selling a car privately, How do I make sure they don't use a CC to transfer money?
I'm selling a car privately to someone. I've read on things to watch out for and one of those is someone paying with a CC because they "could" do a chargeback at some point? If I was about to sell it and they went on their phone to do the money transfer to my bank account, how do I know they aren't using a CC without…
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Credit card minimum payment
I have a credit card where I have a direct debit set up for the minimum payment. I cleared most of it on the 24th April with a balance transfer to another card. My account is still showing minimum payment due tomorrow £104.99. I only have a balance now of around £250. I thought maybe it just hasn't updated but I called up…
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Pre Approved, Maybe?
Kept getting emails from capital one saying I’d been pre approved for a classic or balance transfer card, think it’s cause I did a quick check a few months back maybe, anyways I wasn’t interested but they kept sending the emails so I decided to go for the capital one balance transfer card as it was 6 months interest free I…
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JaJa Credit Card Interest
I'm sure I have been overcharged interest on my Jaja credit card. At the start of the month I owed £1467. I paid off £315 and spent another £132. I have been charged £44 interest. The interest rate is supposed to be 23% pa. I think I shlould have been charged £28. In the past when I have complained about the amount of…
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Paying off a Barclaycard cash transfer
16 months ago I made use of a 0% interest promotional offer and took out a £5,000 cash transfer from my Barclaycard to my current account. Since then the money has been sitting in my offset account, reducing my mortgage interest payments, so that's all good :) However as the end of the interest free period approaches (1st…
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CCJ entered but process not followed?
Received a CCJ notice for about 3 grand, one of these bulk Mortimer Clarke ones (on behalf of NewDay? I do owe the debt, but I believe the process in regards to the PRE-ACTION PROTOCOL FOR DEBT CLAIMS has not been followed. I was not sent Annex 1 or 2 as listed in the process, nor is the date of the agreement listed as per…
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Credit Card Options for House Renovation
Hello! Very new to this so apologies if I say anything silly! We have saved up for 10 years(!) and finally brought our first house. It is a wreck and needs about 40k-60k worth of renovation on it. Family members have very kindly offered 20k as a gift to help and have also offered to loan us the remainder interest free. I…
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Did anyone get a sensible credit limit offer on the MBNA 0% card?
I've just tried applying for one of these and was offered a miserly £500 credit limit. Other cards I've had in the past have had limits in the low tens of thousands, and it's a fraction of my monthly income. Is the offer actually serious and have others received a sensible limit? I've got an 'excellent' score on Credit…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by surreysaver
27 February at 12:22AM
