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Credit Card for Mortgage Balance
Hello, Please can I ask for some help/advice. My 5 year fixed rate deal ends 31st March 2024. I will owe £30,000. Could I get a 0% credit card for 20 months from HSBC to pay off the £30,000 mortgage and pay £1,500 a month off the credit card instead? I have never had a credit card before so not sure how these things work.…
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AML questions from debit card company
I'd be grateful for some advice regarding AML questions I've received from Uphold (a digital currency platform) about transactions on a debit card. (I could not find an exactly appropriate category for this post!) Background Briefly, you hold funds Uphold, and can use them to fund a debit card for payments. They do KYC (by…
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Am I a Homeowner - or not!?
I'm separated from the stbx (not legally - yet) and renting privately. Home is jointly owned and my name is still on the deeds, and mortgage. I'm not sure what I put on a Credit Card application? My instincts are that putting homeowner would be better, but also might be bending the truth of the circumstances
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How does interest work when you have two different offers on the same balance transfer card?
Here's my situation: I got a really good balance transfer deal on a card some time ago. The interest-free period ends April 2024 but I still have a bit to pay on it.This month they have an offer for 12 months interest-free (on the same card). I would like to use this for something I need to buy now and pay for it next year…
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Money transfer from card with purchases already on it
I’ve dug out a Barclaycard Visa that I haven’t used for a while, and spent about £400 on it this month. I can now see on the app I have an offer for a 0% money transfer which I’d like to do, so I can make an overpayment on my mortgage while the rate is high on that How does it work with statements- ie to distinguish…
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Daughters debt on my credit score
My daughter took out a store card with next when she was still living at home and unbeknown to me, it was in my name. This wasn't an issue all the while she was paying it off but over the last year or so she has not been able to make full payments and has been getting into arrears. My daughter has moved out and all…
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Should i withdraw from LISA to pay credit card
Hi, I’ve got £3k on a credit card and £8k in a LISA. My credit card interest is 28%. Should i use my Lisa to pay off my credit card?
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triggering better CC offers
I look at websites like clearscore moneysaving expert experian periodically up until august when i looked at the comparison websites i would get offered only a limited amount of different CC. I'm not on the lookout for any new deals as the ones i have are sufficent for my needs. Fast forward to september yes just over a…
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No fee MT then straight to 0% BT
As per title, I can money transfer with no fee albeit 6.8% interest per annum. I am provisionally approved for a 19 month 0% no fee BT card so my plan is to get the BT card then MT circa £8k which I will BT immediately and put cash into savings - most into fixed term but holding back enough in instant access to cover the…
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Business credit card for new company
I'm hoping to get a business credit card for my UK limited company. The problem is that my company was only formed last week so I need to find one that doesn't require me to have been operating for longer. It's also very important for it to have 0% on foreign transactions as almost all of my transactions are in other…
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Interest charged on credit card statement for new purchase??
I have an M&S credit card with an existing balance of £600 - last month I used it to make another purchase for £2000 - just received my statement and have been charged interest for the £2000 purchase - is it correct that there is no interest free period on new purchases when I already have a balance owing????
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HSBC credit card application doesnt exist
Hi. Im just off the phone with HSBC.I applied for a credit card that was listed on the website as one with a slightly longer period for 0% interest on purchases. As above they've told me theres no record of it after I tang about an update. I asked about reapplying again and they said it won't let you if an application…
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Maximum Halifax Clarity credit card limit
We (wife and I) have a Halifax Clarity credit card with a £5000 limit that we've had for about three years. Always pay off the full balance, modest user, probably around £5000 or so a year. About to leap into buying lots of flooring and related kit for the house and plan to pay by credit card to get the protection that…
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MBNA Credit Card Statement
I received this email from MBNA which in my opinion does nothing for people who cannot login and whom are not Computer Literate .... Herewith the statement From MBNA We’re getting in touch to
let you know from 1
November 2023 we’re changing the way we send statements for
some credit cards. We’re experiencing some issues…
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amex nectar membership fee
as the subject says the membership fee just had a email from amex saying there nectar card fee is going up from £25 to £30 from 29 feb24 i do get my petrol on it also my council tax can be paid on it
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Wave Credit Cards
Hi All I received an email yesterday (Monday 30th October) telling me that they are closing my account on the 2nd January 2024. The email had this line: We’ve
taken the difficult decision to close all Wave credit card accounts. This is
purely a business decision and is not because of the way you’ve used your
account. How…
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Credit Card which allows Joint Access
I have just had a very long and frustrating Chat with Barclaycard about my wife's inability to see our Barclaycard account in the Barclays App. Apparently it is a Barclaycard policy for the lead account holder only to see the account in the app for "security and safety" reasons!! As I tried to explain, my wife has her own…
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Email - Your balance is over your credit limit
Hi All In September I received an email from a Credit Card Provider with the subject line: Your balance is over your credit limit. After phoning them I found out that my balance was under my limit and that even with interest charges that month, it would still be under the limit. Was not too happy about the email, as the…
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Paying off Amex Credit Card
Got the Amex preferred Gold credit card. Am I right in that it funcitons like any other credit card: JANUARY - spend some money FEBRUARY - get a bill MARCH - they take the money for the bill Also, when setting up to pay it off, I am confronted with three options: * Minimium * Statement Balance * Total Balance I don't want…
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Is a balance transfer card worthwhile?
Hi all, Atm I have an RBS credit card with an apr of 10.5%, I don’t often use use it, maybe for the odd larger purchase etc and I make sure I always pay above the minimum every month. From what I am aware 10.5% is quite a good rate so I wouldn’t want to do away with this card altogether, the balance currently is around…
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: Lloyds 0% overdraft by pecunianonolet
29 September at 8:42PM
