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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…
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Using a credit card to pay of an overdraft
Hi, can anyone advise me please? My husband and I have had an overdraft of £800 on our main bank account for about 20+ years and have decided that we need to rid ourselves of it because we use it every month to its limit and it is cleared every month by my husbands wages (I am not working at the moment but looking for…
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Section 75 Claim Ombudsman
Purchased mountain bike using PayPal credit. Collected from the shop, clear problems with drivetrain and brakes. Six journeys in total and replacement bike given that I'm told still not right. Eventually asked do you want small refund towards cost and see how it goes. After a while it got even worse, contacted PayPal who…
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smile.co.uk withdraw credit cards
smile credit cards are no longer available to new applicants, including those with a co-op or smile current account. smile has been around since 1999 (internet banking version 1.0 for those of us that remember it) and the retention of the brand has been in question for a decade now as the Co-op has focussed on it's primary…
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Link to SOA
Hi, been advised to go in here. Where do I get link to SOA please?
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Nursing home assessment fee
Does section 75 cover me if I pay a nursing home assessment fee for my parent? The cost is over £150. If the nursing home cannot accommodate my parents they say they will refund the fee. This is unusual for me, no one has asked for an assessment payment before and I am concerned if they cannot accommodate my parent I will…
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Amex - Does refund count towards payment
I’ve had a reasonable sized refund on Amex after my statement date. can I reduce my payment without incurring interest?
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Debt Management Plan advice
Hello all i have 30k in credit card debt and payplan have helped me sort a DMP out has anyone done one before and could give me some adivce please on it? thank you
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John Lewis Partnership Card SMS
Until mid-December I received an SMS every time my JLP card was used. Now I only get messages for amounts of £100 plus. Is there anything I can do to ensure a message for every time the card is used?
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Is there a way to get a higher limit?
About 15 years ago our finances were a mess, yet credit card companies increased my limits all the time. Worked hard to get 100% debt free, even managed to retire early (now we are both sensible with money). So wanted a credit card, got offered a limit of £1,800 (some were £1,200). Looked at some posts here, they…
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Unused Cards, should I close the accounts?
Pretty much self explanatory really. I have about 7 credit cards, most from a time when I was silly with money but 5 of them now have zero balances on them. Should I close down the cards? I will be looking to get a mortgage when I sell my house next year to buy with my fiancée so just want to make sure I'm doing the right…
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Am I able to balance transfer from a money transfer card at the end of the 0% period?
I'm trying to help my brother here. He is going to get a money transfer card to pay off a high interest loan because they won't accept a balance transfer onto a credit card. I see the 0% periods are fairly short. If he doesn't pay it all off in the time, can he then move the remaining balance via a traditional balance…
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Money / balance transfer
Is it possible to use a balance transfer as a money transfer? It's been a good ten years or so since I last did any kind of balance transfer and my only credit card is a low limit one that I use for fuel and pay off in full each month. (context waffle) I'm looking to upgrade my car but not planning on selling my current…
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Next Pay Latest Increase
One Credit Account which is very carefully used. we’re pleased to offer an increase to your credit limit to £3750. From 3k current limit. I still fail to understand how Algorithms work, when this Account is not very often needed.
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MBNA - Interest charge but don't know why?
Hi, Wondering if someone could help explain why I have been charged interest on my latest statement. I tried to speak with the MBNA online chat but literally just got T&C copied to than explaining where my interest had come from. I thought that - Put stuff on card - receive statment with amount and due date - pay before…
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Vat added twice?
I have a credit card and they also gave me fuel cards attached to the credit limit. I'm supposed to be paying less at the pump but have discovered that if I use the Credit Card for fuel, it shows as goods and services and I pay the exact amount, but if I use the fuel card, they put it down as fuel and add 20% vat onto the…
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Cancel credit
A friends husband is in a nursing home. She has PoA. How to cancel his card?
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: Lloyds 0% overdraft by pecunianonolet
29 September at 8:42PM
