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AMEX Direct Debit policy
I set up direct debits to pay my credit card bills off in full each month but Amex takes money from my account 12 days before the payment is due, whereas for other banks I can set a DD up for a couple of days before the balance has to be paid. I've spoken to them and, whilst they can shift all the dates, they're not…
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Card to use abroad / Account to buy BTC
When I was abroad I used my Nat West debit card quite a bit. More than one person recommended using a certain other card as there were no exchange fees (plus other benefits - I forget!). I can't remember the name of the bank/ Card. It was from an unusual bank (online only maybe?) but I'd heard of it. I think it was one of…
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Bizarre Experience with Vanquis Bank
Hi there! Having a bit of an odd time with Vanquis. I was approved for a card with a high limit, 0% offer which is nice considering they are subprime. I was approved, card & PIN sent in the post, took around a week and a half and both arrived together. I activated the card with the Vanquis app, all done and registered.…
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Barclaycard Paydown Plan and credit file
I owe approx 10,500 on my Barclaycard (20.32% APR)My minimum payment is about 270 each month, and I usually pay about 300.I then sometimes use the card in an emergency if close to payday.I never go over my limit and always leave headroom in the available balance for the upcoming monthly interest charge. I know this is not…
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Nationwide CC direct debit
Is it possible to set up direct debit online for nationwide CC????
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Paying interest on non-Sterling transaction fee
I recently had to use my credit card to make an emergency purchase abroad - a non-Sterling transaction fee was applied, of about £2. (In hindsight should have used a different card with no fees, but that's irrelevant now.) I've got 0% on purchases for 20 months, but am being charged interest on that £2 - only a tiny amount…
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0% balance transfer cc - eligibility checker, which housing option?
I'm wanting to check my eligibility for 0% balance transfer cards I don't fit into the accommodation categories. I live with my partner and our/my children in his house, we are not married and the mortgage is not in my name. I don't pay towards the mortgage. (I realise the obvious pitfalls of this situation but it's by…
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Anyone applied for Tesco Credit Card recently?
I used their eligibility checker and it says I'm pre-approved for it. It did a soft check on Transunion. However, I'm hoping to find out which credit bureaux they generally check for the full application. While I'm on the electoral roll and all my accounts show up on my Transunion, for some reason Equifax just never seems…
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Zable Balance Transfer
Hello, I have recently got a Zable Credit card with a 0% balance transfer until 2026. I have tried to move the balance of my Vanquis credit over to it, but although accepted by Vanquis, Zable keeps asking me to choose another card. Does anyone know why or come across the same difficulty?
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Should I close down zero balance cards?
I had my true LBM in Nov 2019 and have been consistently paying down my debt. I am lucky all my CC debt is on 0% interest after balance trasnferring which leads me to my question below: I'm thinking I might need to start closing down some of my zero balance credit cards. There are three MBNA cards, one Halifax card and one…
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Amex / Virgin CC points rewards
Annual Spend - circa 20k Aim - Vegas Flights 2027 x 2 Used Virgin paid for card last year (£160 annual fee) and got companion voucher and upgrade one way for 2 people for circa £1000. Downgraded the card now as not sure which way I want to go and opened Amex gold for welcome bonus (20k points). Unsure whether to pursue the…
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Warning John Lewis Credit Card is insecure
I've been left with no alternative but to warn others about how insecure the John Lewis Credit Card is. The card is operated by New Day so this could apply to other cards that New Day runs. When you register for the JL credit card they ask for a user name and suggest you use your email address, and they also ask for a 6…
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Chase credit card
An email today as a Chase current account holder.Heads up to keep watch over the next few days for the upcoming launch of a credit card - current account holders will be the first eligible to apply apparently. Hopefully they will allow additional cardholders.
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Credit card
My credit cards are drowning me I have £5k to pay off across 2 credit cards. I pay the minimums off every month and only put necessities on there whilst I have been on mat leave. I just find the interest are swallowing me - I have applied for 0% balance transfer but got rejected. When I start getting paid again I want to…
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Pre Approved 0% Balance Transfer - PCP?
Is there any way I can transfer my PCP balance to a 0% Balance Transfer Card? I've been pre approved for both MBNA and Virgin with 12k limits at 0% 34 months.... Would ideally like to do around 15k at 0% with 2.99 fee and pay over 34 months
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First Credit Card Mistake
Hi all. I recently helped my fiancée get a credit card to help her build a positive credit history as part of our future planning as we intend to buy a house together within the next 5 years and therefore apply for a mortgage together. She has pretty much no credit report with no loans, credit cards, mortgage or even a…
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Gift cards and chargebacks
Hi can someone advise re the below please.. I purchased some Currys gift cards through a 3rd party site with my credit card. Spent the vouchers on Currys web site and they confirmed the order but then cancelled it which was 3 weeks ago. Despite numerous phone calls, webchats and emails it is impossible to get anything…
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Older Credit card Debt
I will try and keep this brief. Contractor working away, but back in Aug 2018 i had an accident all resulting in lung surgery. it took me a long time to get over and covid scares had to hide etc. I had a credit card with around £11k. I Informed Barclayard and they gladly put the account on hold. After periodic check-ins…
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Credit card debt sold to link
Hi all - hoping for some advice, I am sure there are many comments on the site however I’m struggling to find any insight. Marbles and Aqua credit card debt has been sold to Link Financial Outsourcing. I haven’t been connect by Link yet so they will not discuss with me but I just wondered that monthly payments they would…
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UK credit cards in the States
Hi all, I'm a UK citizen and will be in the States for my first time next month, on the east side for three weeks. I don't want to carry much cash with me, so want to pay for almost everything by card. All the hotels have been booked and paid for and I don't have enough liquid money for every day stuff, restaurants etc, so…
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 ZeroSum
6 December at 4:07PM
