-
Can I transfer the balance of a closed account?
I'm currently repaying the balance on a barclay card credit card which was closed last year (due to persistent debt or whatever they call it) Because of the interest I'm barely making a dent into what I have left to pay (paying as much as I can afford each month). I've since acquired a 0% balance transfer card with just…
-
Balance Transfer Card - Tesco to HSBC?
Could anyone advise please if it is possible to transfer a credit card balance from Tesco to HSBC? The balance transfer offer on HSBC stipulates that you cannot transfer from another HSBC account however I can't find any reference as to which bank Tesco comes under. But there is a mention of HSBC on the paying in slip at…
-
Nat West Photo Id uptodate v old
I was preapproved today for a Nat West credit card, 0% transfer fee. They now require photo Id as well as financial . I submitted driving licence from 2 years ago, and I had to take a photo of my face as now, without my glasses on. After several attempts a photo was accepted but surprise surprise my application was then…
-
New Day cards
I got an Aqua card a couple of years ago. It had £600 as a starting limit which remained the same until August 2023 when it was put up to £1100 and then again the other day to £1850. About a year ago, I also applied and got a Marbles card. Again, it has a credit limit of £600 and was then increased to £1350 the other day.…
-
s75 CCA and Air tickets
So MSE says that you don't get s75 protection for purchases from a travel agent because using an agent breaks the 'direct link' between a purchaser and the supplier. So you have to rely on a chargeback. That's not great. If I book a £200 air ticket and the airline goes bust and it costs me £400 to buy a replacement ticket,…
-
Is it better to stay in credit or pay off in full to improve credit score? (0% card)
My credit score is currently above 700. I recently took out a credit card for my groceries with a limit of £500 (0% for 12 months) Each time I spend on the card, I move money from my debit account to an easy access savings. To improve my credit score in the long term should I: a) Pay off in full each month b) Pay minimum…
-
Vanquis CC -Why have they generated me a Purchase interest of £140 (in statement)when my balance =£0
Vanquis CC - why have they generated me a Purchase interest of £140 (in statement) when my balance was/is £0 ? To cut a long story short, my Vanquis balance was around -£4500 in November/December. I wanted to make this balance £0, to clear it all off so Paid + £4500 from my bank online banking to the Vanquis credit card.…
-
Credit eligibility and scoring
Hi, I recently applied for a credit card and although I was accepted I was given a very low limit. So low it did not make it worth sticking with the card as I solely applied for the Sign-up Bonus to earn Avios. I am in an odd situation in that, in recent months, as a result of uncertainty in the economy, I decided to sell…
-
Pitfalls using 0% Credit as a loan when you have the funds
We are about to embark on a DIY project and have £70k in cash funds. I'm currently getting almost 5% return on that cash. So I though for a few of the major purchases like the kitchen (12k) and Tiles (3k) where I am purchasing those items from a business that I could use a 0% 12-20 month credit card and then use the funds…
-
HSBC have "lost" my credit card repayment
Hi I made my first repayment back on my HSBC Visa credit card. As I don't bank with them I verified the whole repayment process and was given a HSBC account and sort code (I should add a legitimate account and not a scam) into which repayments were to be made. Ive just received a reminder to make the minimum repayment…
-
western union Transaction taking a long time
I made a transfer from a UK credit card to UK bank account and the transfer has been in progress for 4 days. Is this normal? How long should it take?
-
Natwest Credit Cards
Last week Martin recommended the Natwest balance transfer cards and as a Natwest customer they were of interest, and I thus tried to apply as the soft search gave me prior approval. However the problem came when I actually applied for real. They use a system provided by a company called Hooyu to check your ID (even for…
-
Balance transfer Virgin money CC to MBNA
I’m considering changing to a MBNA balance transfer credit card. Am I able to move my balance on virgin money CC to MBNA CC? I want to make sure they are not in the same group and therefore if the transfer would ok in terms of the T&Cs. thanks
-
Default Notice
My former partner's mail is still arriving at our jointly owned property. I have been writing "no longer at this address" and putting back in the post box but unfortunately this weekend one of his letters was opened by mistake. It basically states that he needs to pay £1584.81 by 19 January 2024 or the default notice will…
-
Virgin money CC 13 month interest free purchases offer - removed on latest statement for no reason?
My elderly mother took out a Virgin money credit card in October which offered interest free purchases for the first 13 months of her account - so any purchases should incur no interest until November 2024. This was to make a large purchase to spread the cost. This was showing on her November credit card statement as a…
-
HSBC
Evening all Interested in peoples initial starting limits with HSBC cards of late for those who have applied, I know it may vary but gauging opinions and experiences
-
Caught out by cash-like transaction fees
As in the title, just been charged a fee and interest for buying a gift top up for my friend's son's Go Henry card with my Halifax credit card. I'm sure I've used my AMEX in the past for this with no charges. My bad, I should have checked the terms and conditions. Going forward though, I want to check if I would get…
-
Nat West 0% credit card application - given a different card
I recently applied for the Nat West 0% credit card with a 14 month repayment time and no transfer fee, and was accepted. When I called yesterday to do a balance transfer it turns out I was given the longer time period with a fee of around 3%. I am 99.9% sure I didn't apply for that one (and of course I should have scrolled…
-
Salary - Credit Limit ratio
Have a general question on salary vs total credit limit. My annual salary is approx. £86K with a total credit card limit of £120k across my 5 credit cards. My utilisation is low as I usually cleared the balance right away. No issue with my credit score but new card applications were declined most of the time lately (trying…
-
Natwest 0% balance transfer card - cant get past digital login step - HELP
Hi there, I'm trying to apply for a card that gives me 0% on balance transfer with 0% fee the only ones that seem to be available are Natwest (or sister companies), Barclaycard or Santander, the cards I want to transfer from are Barclays and Santander so those are ruled out. So i tried with Natwest, when I got to the…
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: Stoozing first time queries by Fingerbobs
1 September at 12:01PM
