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New to using 0% interest credit cards - do you still use your other cards in the meantime too?
Afternoon, happy Sunday. I’ve recently opened a credit card where I pay no interest on purchases for the first 4 months.Now that’s all fine and dandy. As this is my first 0% interest credit card for an extended period of time, I wanted to ask those who use them often or have one, do you still use your other credit cards…
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S75 claim
I paid a tradesman a deposit of £1k on my credit and the balance of £3k by bank transfer. Various problems with the work so credit card company has paid the £1k back to me. Credit card company says bank have to refund the rest.When does the tradesman get notified of this? secondly, is that right? The bank must refund the…
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Virgin 20 month 0% card
Hi all, 6 months ago I transferred a balance to Virgin at 0% for 20 months, paid for several months big chunks, was offered additional transfers as lots of spare 0% credit limit still available on the card. Since then I have moved 2 further much smaller amounts onto this 0% card, however the second two are for about a year…
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Credit card company charging "Cash advance fee" + interest for buying a physical product
Hi, I am sure my Google Foo is off today as I cannot find any reference to this new practice and I am sure there is lots of talk about it on here and a Government Petition calling for a ban on this new practice will have been created. I recently bought a phone, direct from Samsung on an interest-free deal. I used my John…
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Cashback on Lloyds Credit Card downgraded
Hi all, I just noticed that the Lloyds (and I presume Halifax) cashback credit cards now only offer a flat rate of 0.25% cashback on all purchases, no matter how much. So they've taken away the tiered cashback where you used to earn 0.25% up to £4k and 0.50% after that. The T's & C's on mine currently say the tiered amount…
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ZOPA Credit Card - My Experience
I'd like to share my firsthand experience with ZOPA Credit Cards for the benefit of those considering an application. The signup process was a breeze, and managing my account through their user-friendly app has been a seamless experience. One notable perk is the absence of foreign transaction fees, making international…
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Applying for two credit cards on the same day
My OH applied for two cards (one after another) on the same day, while the first application was approved the second one was rejected. I know this was a bit foolish, the credit rating is excellent, so thought it was worth a shot. Two Hard seraches are visible on the credit report. Just wondering whether it was back to back…
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Freemans Account
I've never had credit my entire life, that's how we grew up, you have the money or you don't, if the latter you wait until you do. So, decided I need to get a better credit rating and took an account with Freemans since they offered a discount on the first purchase too. I've found it baffling, probably because i've never…
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'Onmo' Credit Card (& Debit Account)
I was casually checking my 'borrowing power' on TotallyMoney this morning as haven't for a few months and a new Credit Card popped up that I haven't heard of before. It gave me a Guaranteed APR and Credit Limit (which is not very common amongst lenders to offer credit limit) so I thought i'd read up a bit more. Seems to be…
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Balance transfer from foreign bank.
Does anyone know if it’s possible to transfer the balance from a foreign credit card(Bank of China) to a 0% uk based one? If not is there another way of doing this? Paying it off with cash from a CC? Or is that a terrible idea? Thanks.
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Failed JaJa security check
I have a Bank of Ireland (UK) credit card and noticed a transaction on it for Supercard to the value of £69.99 that I did not recognise. I phoned BOI passed their security, they looked at the transaction and told me I had to phone another number for their fraud department. This turned out to be JaJa finance who BOI now…
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Virgin - card not renewed how bt
Tranx to Virgin 18 months ago 0% apr. Never used card other than that and bt rate due to end. Was about to bt elsewhere but cannot locate card. Called to get new card to get the number to transfer- was told card expired and wont be replaced. How can i now bt elsewhere as i cant get the card no from them?
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Amex Shop Small
So Amex had their shop small offer this weekend whereby if you spend £15 in certain small shops, you get £5 back (up to a max of 3 shops). I used this offer 3 times over the weekend, but haven't got my cashback yet. Has anyone else received it? Or am I being too impatient?
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Switching credit cards with same bank
I was thinking of switching from Barclaycard platinum to Barclaycard rewards due to the cash back and apparently a good travel card (I’m going on holiday next year) Will switching affect my credit report/score/history? I’m due to remortgage next year. Thanks
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Halifax Clarity interest when withdrawing cash
I withdrew cash in a foreign currency with an ATM. At the end of the month I got my statement and had been charged interest on this transaction even though it's not time to pay. I always pay off when the payment is due at the end of the month and plan to this time as well. Is this interest a mistake? It seems illegal as I…
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M&S Credit Card £40 M&S e-gift card offer - qualifying purchases?
https://www.marksandspencer.com/c/creditcard A £40 M&S e-gift card* just for you with the M&S Credit Card Shopping Plus Offer *Only new customers are eligible for this offer. £250 minimum spend across 5 or more qualifying purchases within the first 90 days. E-gift card will be received via email within 45 days of the…
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Are MBNA playing with my credit rating?
I got an MBNA card to balance transfer to a while ago. The interest free period ends in February. I have been paying off 2.5-3.5 times the minimum payment. Not used it and never been late with a payment as I have a direct debit for the minimum and then make additional payments in between. I've just got a text from them to…
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Balance transfer error
Just received a new credit card for which I forgot I had asked them to do a balance transfer and then the day later made a balance transfer myself from my old credit card. How can I get this resolved? Can I ask them to refund and which company would be able to do that for me, the original credit card or the new credit card…
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Should I close redundant Credit Card Accounts?
Hi Everyone, Cant believe it's December already. Ok so my car has recently had alot of work done due to leaking coolant.... spent lots of money and finally advised coolant is still over pressurising and would cost alot to fix....car is old with alot of millage...... Currently trying to work out best option to purchase…
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Amex Credit card sign up incentives question
Hi I a Amex British Airways Credit Card - if I was to cancel this card how long would I have to wait to qualify as a 'new customer' and get the joining incentive again ? I also have a Barclaycard Avios Credit card and wondered if I could cancel this too, to qualify for another incentive. tia sx
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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