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Barclaycard - Suspended Account Paid Off - What happens next
Hi all First post so please be kind. :) I have a Barclaycard which was suspended some time ago as I was just making the minimum payment. I reached an agreement to pay down the debt and am now close to clearing it. I have not missed a payment. What I am wondering is, will my card be fully reinstated when the balance is…
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Voluntary credit card cancellation
Since retiring, I have not used a number of credit cards that I needed for my job. I have received letters from the credit companies advising that unless I use them, they will be cancelled by them within 60 days. That's fine by me, however I have been warned that cancellation may affect my credit score. Apparently this…
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Should I pay off my full balance?
I could pay off my credit card balance from my savings and then pay myself back at the same rate, finishing six months earlier, thus saving me £600 if making a £100 monthly payment. Obviously there are going to be drawbacks, too: - It will reduce my savings and, if I continue to use my credit card, it will mean making two…
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mbna credit card - payments keep being blocked
Hi - I've had several different credit cards and I think this is the first time I've had this issue - a few times this week when I've tried to make a payment it gets blocked and I get a text saying 'was that you'. Is mbna particularly risk-averse? Or is it just that the card is fairly new and they'll eventually calm down?
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0% no fee balance transfer help please?
Hi, I’m was looking for a 0% balance transfer credit card with no fee and found: https:// .santander.co.uk/personal/credit-cards/everyday-credit-card https:// .barclaycard.co.uk/personal/credit-cards/platinum-no-fee-bt https:// .natwest.com/credit-cards/balance-transfer-credit-card.html Does any one know of any others? As…
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in credit with credit cards
hi,if I'm in credit with a credit card company what happens when I close my account? I inadvertently paid £1000 instead of £100 a while back. I've also since closed the current account I paid it from (thank you £200 account switch :) ) - can I request the credit card company send me a cheque to close it or will they need…
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0% money transfer fees credit card
Hi Does anybody know if any credit cards that are offering 0% on money transfer fees? Steven
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Credit cards - there is hope
I've been in debt for years at >20%, always paying slightly over the minimum & throwing whatever I could at it here & there. I've not been able to get 0% BTs for years. Then a couple of weeks back one of my cards offered me a 0% balance transfer so I figured something must've changed. I went onto MSE eligibility checker &…
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Tips for how much credit limit to ask for in new credit card application?
The bank always decides how much credit they will grant you so why do some ask how much you would like? Why not just tell you what they are happy to offer. Some do. If you go low because you are afraid of asking for too much you get stuck. If you go high will that put the mokkers on the application because their algorithm…
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Extra cost to use an amex
Hi All, Recently got engaged and we are looking to book a wedding venue. However the one we have chosen has said that if we pay by Amex, which we wanted to do to rack up the airmiles/companion voucher, we will need to pay an extra 2.5%. Are they able to do this? Thanks in advance. J
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Change of Address & Credit Card App Help
I have just moved into a new properly and looking at getting a 0% credit card for purchasing white good etc. Can I apply right away or do I need to wait for change of address to be sort of live (have changed my address for with bank etc). Don't want to apply, be rejected and have this negatively impact my credit.
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Credit card 0% interest rate question
Hi all, I transferred over my balance to a Captial One credit card 2 months ago and have now received an email saying the 0 interest rate is ending in March. I have not used the card to make any purchases just the balance transfer. Question is will they start charging me interest on the existing balance or is that for new…
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Experians Conflict of Interests
Today I decided to apply for a British Airways Amex Card. The purpose of this was to shift my business spending and acrue points and also flight reward vouchers. The initial limit is £1200 and the application process online. I also had a referrel link to get a sign on bonus. I was declined! I received an email from Amex…
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Monthly "Minimum" payments plus overpayments
We have a 17-month 0% NatWest credit card (12 months left and still under the recommended 30%-40% utilisation) and a monthly DD making minimum payment. What do you folks do if you wanted to make just above the minimum payment, say an extra £10 or £20? The 3 options offered for amending the DD is "Full Statement", "Minimum…
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VM Balance Transfer Offers, order of repayment.
re posted due to recent lack of Interest. from Virgin Money -allocation of repayments. We will always pay off existing balances that appear on your statement, before any new transactions. Does this include Existing and New Balance Transfer Offers. I only have final 2 payments to make to clear in use Existing offer. I since…
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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…
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
