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Amex Annual Fee Hikes
https://www.headforpoints.com/2023/10/11/american-express-to-sharply-raise-annual-fees/ * The American Express Preferred Rewards Gold card increases from £160 to £195 per year (the first year remains free) * The Platinum Card increases from £575 to £650 per year * The Harrods American Express Card increases from £150 to…
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Amazon Newday ending November
Check your inbox in your Newday Amazon account for all the details but basically it's changing to "Pulse" cashback at 0.25% capped at £150 per year. Not sure what happens to the existing reward points if you have less than 1000 by November. Hopefully they will be generous and convert the balance regardless of the amount…
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balance transfer error
HI hope you can help me . I applied for a balance transfer card from Tesco last week and was accepted. Once the cards arrived i transfered £1700 over from Natwest and decided to transfer a £400 from Barclays and close account down when completed. both transactions were showing as pending on my Tesco app. This morning i…
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What's changed so drastically?
Hi all, just after a bit of insight if anyone could help? I've spent the last 15 years surfing CC 0% offers. I always pay off at the end of the 0% term and hop onto the next card to start again. I'm a pretty savvy saver with a lot of savings, but use a credit card to put all my big purchases on and average out the…
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Purchase Car with 0% Credit Card
Hi all, we planned to purchase a car on 0% credit card, as no interest, and will have the money sitting in our savings account until due to pay after 2 years (paying credit card monthly minimum payments until then). But I have contacted 6 dealerships and none will accept credit card and trying to get me to take finance (no…
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Can you keep moving between 0% 0fee balance transfer cards?
Ive tried searching on the forum but i think the word transfer is too generic. I owe £7000 on a 0% tesco credit card which expires next month. I want to transfer to a 0% 0 fee balance transfer card such as the current NATwest offer for 14months. In 12-13months will anything stop me from transfering to a new 0% balance…
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AMEX Direct Debit Bounced back - implications?
Hello, My Amex direct debit collection from Barclays failed as I was missing 3gbp to cover it. Amex tried to collect funds on 8th of September, I received it back on 11th of September (as it failed), and after I topped up my account, AMEX successfully collected it on 18th of September (on second attempt). As a result, I…
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118 and marbles card
So I have a few credit cards all with low limits and hardly anything on them over the last few months I have gradually been carrying balances on them. the 118 had £2,700 on it limit of £3,700 and marbles had £4000 on it and a limit of £4,500 I have finally paid both off it’s took a bit of hard work and lots of overtime but…
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NatWest Credit Card payment pending
My NatWest Credit Card payment is due today I made the payment Friday night around 10pm (via the app facility to transfer funds from my NatWest current account) but the statement still shows the ‘Payment’ transaction as Pending Should I be OK? I appreciate there was the weekend but would have expected it to clear during…
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Confused about why my monthly credit card spend is affecting my credit rating.
Let's say I have a £1000 credit limit on my credit card and each month I spend £999 but pay £999 back before my statement is due so that I only ever have £0 as my final balance so no payment is due. But each month my credit card provider is reporting to the credit reference agency that I am exceeding my credit limit. Can…
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Is it still possible to get the Amex Green Charge Card?
Title, really. If one was to get the Basic card, would it be possible to subsequently upgrade to the Green card? Or is that completely withdrawn from the market? Don’t ask why I specifically want the Green Card. I got reasons.
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Virgin credit card - have I been duped?!
Hi everyone, I applied for a ‘fee-free’ Virgin credit card because it seemed like the best/cheapest one for what I wanted. I needed the money urgently for an operation for my dog and there was an option to have the money put straight into my account. I’ve just realised they have charged me £110 for doing that with no…
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Is a PCP covered under Section 75
I understand that under the Section 75 law, if I buy something costing £100.01 to £30,000 and pay for any of it, even a penny, on a credit card, then the card firm is jointly liable with the retailer for the WHOLE amount. My question is if I pay say £1,000 with a credit card and £10,000 from my part exchange of my existing…
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Barclaycard credit card debt. Can they really do anything if not paid?
Apart from destroying ones credit score (which is meaningless now as this person as been taken to court of protection and now lacks capacity to open new credit agreements) If he refuses to pay his debts can Barclaycard do anything like get proper court bailiffs to take goods. Or would it just be debt collection people…
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Missing balance transfer funds (NatWest / HSBC)
On 4th July, I requested a balance transfer from my HSBC card to my new NatWest credit card. Unfortunately I had given them my HSBC debit card number by mistake, instead of my HSBC credit number. But the funds are not in my debit account either :/ I called HSBC and asked them to investigate. They emailed me on 1st August…
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Transfer Manoeuvres
Hi All, I'd be really grateful if you could have a look and check my reasoning on this. I thought I was in a hole, but I am starting to hatch a plan. It feels like one of my credit card providers might put up a barrier as I carry out my manoeuvres. Please let me know if you think this will work. Here is my initial…
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Higher credit limit with a mortgage?
Hello could anyone answer my question please do you in general get offered a higher credit limit on credit cards if you have a mortgage? Or is it the same limit either way?
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Additional card holder balance transfer
Does anyone know if there are currently any 0% balance transfer cards which allow the initial balance transfer to be from a card (Halifax) on which you're an additional card holder? This would be for my daughter to transfer "her" debt (from my card on which she's an additional card holder) to a new (her first) credit card.
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PRA Full and final settlement HELP please.
Hi, I have negotiated a settlement of an £8k Barclaycard debt with PRA, in the sum of £6k. I have asked them to confirm in riting before payment that this is full and final settlement and i will not be pursued further. I have seen elsewhere on this forum that I should get confirmation from the creditor (Barclaycard?) that…
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American Express Credit Card Cashback - A Heads Up
I want to buy a new kitchen from B&Q. I thought it best to have Section 75 protection and I intended to pay the debt in full immediately. I looked at this forum to see what the best deals were. Also, cashback was an incentive. This site advertised American Express as "Get 5% cashback for the first three months, then…
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: Are BT 0% offers usually on new cards? by kimwp
5 August at 9:57AM
