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Refund to 'old' John Lewis Partnership Card
A merchant has just made a refund to the original card I used to purchase some goods, unfortunately this was to my 'old' (HSBC) John Lewis Partnership Card that was automatically closed in November 2022. Someone encountered the same issue last year and created this thread, but nothing was posted regarding…
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Paying off part of card
Spent some money last month, let's say £10,000 on a credit card. A bill has been produced and a DD will take the amount from a specific bank account in about 7 days. If I "make a payment" to the card and pay off half, I guess the DD will only claim the remaining £5,000? It's an American Express credit card.
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In app credit card balance transfer offer query
Hello My credit card company has a Balance transfer on my mobile app account under 'Your offers' So, under Transfer offers, it shows me a 0% on balance for a fee. It says I can go up to 90% of my limit. Does this mean I will definitely get those terms? Because the app gives me this offer? Thanks
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Moving over to old legacy Barclaycard Cashback credit card ??
I've been with Barclaycard for years and have their 0.5% cashback on all spend credit card. About 5 years ago a family member took out a regular Barclaycard and was able to get moved over to this card even though it hadn't been available to new customers for many years. A friend of mine is looking for a cashback card and I…
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cash transfer from credit card to pay loan
barclay card is offering me 3.5% cash transfer until july 2025 .is it worth transferring say 5k (credit limit 6.5k) to pay a chunk off a loan i have which charges over 6%??
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Quick Utilisation Question
Probably a question that's been asked plenty. All things being equal (amount of credit available, debt, income etc), are lenders more likely to make decisions based on your overall credit utilisation rate or individual provider utilisation rates? I'm clearing down my highest interest bearing cards first (based on APR) and…
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Transferring a loan to a 0% credit card confusion.
I have a personal loan on which I pay interest. I would like to transfer this loan to a 0% credit card and save a lot of money and hopefully pay off the amount earlier.Using Martins credit card eligibility checker I was 100% pre-approved for the barclaycard platinum visa 29 month 0% card. I phoned Barclays to check if I…
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Help with credit card interest charges on purchases balance when it's cleared
I hope someone in the know can help me here. I'm very careful with my credit cards, using 2/3 to switch balance transfer offers as they become due and paying them down when I can. During November/December I made some purchases which showed on my December statement, totalling £3,500. There's also £4,000 in promotional…
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I've got a credit card with a limit of £50 🥺
from Barclaycard Forward, what should i do 🥺
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Nationwide Credit Card - FInancial Difficulites - AVOID They refuse to help!!!
Just a rant about Nationwide credit card who after getting plan arrangements with my other 6 credit card providers have flat out refused to try and help with getting a payment plan sorted. Their excuse... They don't take credit card repayments from other providers as an expense! My income has dropped drastically and my…
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Currys My Plan login issue
The other day, I wanted to pre-order the upcoming Galaxy S24 using Currys my plan. After completing all of the formalities and selecting Buy now Pay Later, I was sent to the login page for My Plan. However I am stuck in a loop where as soon as I enter my email, password, DoB and phone number it loops back to the login…
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Email notifications
Up until last Thursday my John Lewis (NewDay) credit card sent me an email after every transaction with the payee and amount. Unfortunately "In the interest of security" they've changed this to only send a notification on transactions over £100. This feature was critical for me. Does anyone know of an alternative provider…
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Authentication Failed We’re unable to authorise this transaction.
Help needed please.Been with same bank over thirty years.No financial issues,one credit card.Last year bank,credit card taken over by virgin,since then paying online with some companies,amazon prime,bt.whsmith wont allow us to pay anymore online,get "Authentication Failed We’re unable to authorise this transaction."…
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0% credit card or remortgage?
Hi, I'm hoping for opinions an optimal strategy to raise circa 40k. I need a 35-40k lump sum. I am currently in the process of product switching my mortgage and can take the additional borrowing at 3.94% on the new product. Alternatively, I am eligible for a 0% balance transfer credit card with Barclays over 29 months, I…
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Failed eligibility check for credit card
I’m 64, part-time self-employed for my husband’s business, earning £3k per year. For the last 40 years I’ve been an additional cardholder on my husband’s Mastercard. We have £60k in savings. Up till now, we’ve received paper bills and I pay it each month (it’s me who does the bill paying). Mastercard have now switched to…
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Balance transfer question
Hi. I have a balance transfer question that I'm hoping you might be able to answer for me. I have two credit cards. The first has around £1k on it at the card's standard interest rate and £1.5k that I have recently transferred on a 0% offer from my other card. I now have a 0% offer from my second card which currently has…
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Question about Lloyds Credit card direct debit payment
I have a relatively new Lloyds credit card which is paid off in full each month by monthly direct debit. Unusually this month as the balance was higher than I was comfortable with and the money was sat in our current account I made an additional manual payment after the statement was raised. My question is will the direct…
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balance transfer query
Hi i have £3500 on a card and have been offered balance transfer of 12 months @ 0% with 4% fee or 6.9% pa over 24 months with 0% fee. what offer am i better off taking will be able to clear within 12 months
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Nationwide Credit Card Maximum Limit
I’ve got a Nationwide Select Credit Card (which they no longer issue to new applicants). The banking app states I have a maximum credit limit of 10k, though my actual limit is slightly below that. I neither need or want a higher limit (current utilisation is 3% for my business expenses, which are paid off monthly).…
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Credit card refund query
Morning all, so I'm looking at purchasing a mirrorlesss camera and Nikon have a 30 day trial running which looks to be a good way to try before you buy. So guess my question is if I buy it on my credit card (Lloyds) and decide to return it I'd probably be after my card is due (I have the money to cover it and pay off 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: Are BT 0% offers usually on new cards? by kimwp
5 August at 9:57AM
