Credit cards

I’m about to make a large purchase. I have some credit cards offering 0% on purchases but none of them has a sufficiently high credit limit to cover the whole cost of the proposed purchase. None of the limits can be increased further. What is the legal position if I have a problem with the goods but I have spread the cost…

Hi, I'm looking to sign up to register to vote to help my credit score, I would like to know if the credit reference agencies can access the relevant details for me if I opt-out of the Open Register? Thanks

Hi I've tried making a Section 75 claim on a closed credit card account. They say I used paypal to pay for the item therefore I have no Section 75 protection. My question is how can I tell if I used paypal or not? I can see the transaction in my paypal account - it says paid with Amazon credit card (which would've been a…

As above. I know they all vary. Seems virgin expect 1% back per month. Do any others?

Hi all, I'm in a bit of a pickle. I have a credit card with £3800 on it, of which the interest free period is up on 25/4.after doing the eligibility checker, I am currently only eligible to borrow £1200- £1500 from a new credit card. I wonder if it is possible to split the balance transfer over two new cards?Or of anyone…

Hi, I am trying to get my finances in order before hopefully buying a house next year. This morning, my credit rating was listed as 'Fair'. I just applied for a 0% interest balance transfer for 20 months credit card with Barclays via Credit Karma, and requested a £1900 limit. I was approved and given a (terrifying!) £6500…

I’ve had my PayPal credit for a few years and the interest is far too high and I want to clear my remaining balance. I received a Halifax balance transfer credit card at 0% however because PayPal is not a traditional credit card with no card number or sort code, I’ve been unable to use the Halifax credit card to clear my…

I applied for a Virgin Atlantic credit card. Eligibility check said I was pre-approved. Went ahead with the application on Friday and got a decline email today. I have good credit history, also a relatively high credit limit among my 6 credit credit cards, but without much ultilisation. What is likely the reason? Anybody…

Hello, Can you please advise. I signed up for the uber one membership trial and thought I cancelled it in time. However, I have just discovered they charge me an annual fee for the uber one membership of £59.99. Can I get a refund as I did not willingly apply for this?

I've got a new 0% credit card and done a balance transfer. The 0% rate lasts for 27 months. I was also thinking of a doing a money transfer from the new credit card to my current account. Again, the rate is 0%, but for 12 months. I assume if I do the money transfer, this doesn't affect my 27 month balance transfer rate? In…

Hello I am a newbie.. I wish to pay a monthly direct debit with my credit card in order to earn the points. However, the company in question doesn't accept CC payments... is there any way around this? Thanks Sazzoire

Hello how common are 4th statement increases with capital one now ive just had it come through but cant see anything its still the initial limit of £200 do they write to you or are you given the 30days notice thing yes i am aware not everyone gets them just curious if they will

Hi, a credit card I have is now positive after a refund. I’ve heard I should ask the bank for a ‘Credit Balance Refund’. Is this a good idea and it won’t have any adverse affect on anything please? It’s with NatWest. Thank you

I am very sorry to ask this because I am not sure if this is possible or not so please bear with me because I am new to credit cards, etc :) I have got a Nationwide Member Credit Card, or a a MBNA Credit Card.. However my wife has just admitted something to me that I am totally shocked about.. She has got an Ocean Credit…

Hi, I have been pre-approved for a new MBNA Balance Transfer CC using their eligibility checker 0% for 14 months. Using MSE Credit Card Eligibility checker, i have a 95% chance of approval, but it states below. 21 months at 0% if you’re pre-approved – or you could get 12 months at 0% if accepted but not pre-approved So my…

Afternoon, I've been using my credit card to try and improve my credit score.For example, I have been spending about £75 a month on it for fuel and then paying it off in full when the statement comes in (comes in on the 15th of the month). My friend said that I shouldn't be waiting for the statement to come in and that i…

Good to see VM offers continue, Latest 0% from 31st May'24-April 25. Balance t/fer/Money t/fer 4% Fee. Not much time to decide if I'm going to Add to existing 0% balance with latest offer. 1.8k limit is useful, not amazing, only Kitchen Dimplex to purchase. Considering using Savings to clear VM, though could mean Higher…

Hi! I'm 24 and made the mistake of building up some debt on an Amex card; I had it for two years with no issues but from around this time last year both my mental health and spending spiralled until around October. Overall this amounted to about £3000, but due to the massive interest on the card, this number has been…

Hi all. Have a Barclaycard Forward card with £1200 limit, no balance, they've already reduced the APR, and hasn't been used in about a yr. Was taken as a credit builder card and it's done it's job. I was interested in changing it to another card to get fee free spending overseas, but the option to change the card isn't…

Hi, I am moving overseas for about 2 years but will still have a UK address and won’t be a resident in the country I’m moving to (USA). I currently have an interest free credit card (until 2026) with about £5K that I am still paying off. Worst case, in 2026, would I still be able to apply for a new balance transfer credit…