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Best card for spending in USA
We are hoping to book Orlando next summer and I wanted a credit card for using out there. My current Halifax credit card is poor for fees and conversion rate. I plan to pay it off within a month or two at most coming back so could manage a higher rate? Any suggestions?
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Vanquis OTP
Hi all.. been 3 week. Reset phone to factory settings as had problems. Update all download the app. When it says sending OTP via email, I do not received this. Also tried 3 different PC to access account on line. The OTP do not come through. I spoken to their IT department and did what they asked. They come to a conclusion…
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Section 75
Hi I have looked at several pages but I am unsure where I stand. I have opened a Credit Agreement with Creation Finance on behalf of Curry's which has been signed and is opened in line with the Consumer Credit Act. This was opened to make a purchase but I have since bought something else on Buy Now Pay Later. My only…
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0% Eligibility
Had a look through a few eligibility checkers recently and noticed they all give me a 0% chance of getting any cards, I feel a little confused by this as I currently have credit cards, three actually and paying them/managing them well so I’m confused as to why such a cold reply from these checkers, I do have defaults on my…
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HSBC credit card application
Having treated myself to a rather pricey item on a credit card I decided to apply for an HSBC card to do a balance transfer. First issue is that their application is not friendly to anyone without traditional earned income but got over that. Then a few days later I realised I hadn't received an email or sms confirmation of…
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Problem paying credit card from abroad
Hi, British but lived abroad for over a decade. In August RBS closed our account after 47 years and since then I cannot pay my credit card even though I have their Iban number, I have a pound account at my bank but no room on app to put my 16 digit number and also as I have no UK account my bank cant send. Spoken to cc…
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Balance transfer CC
Hi everyone. I'm new to balance transfer CC, could someone please confirm if I understand it correctly? I've got 2 regular credit cards always paid in full every month! This month due to some unexpected circumstances I had to spend around £6000 on them (£15000 combined limit). I can't just pay that at the due date but also…
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Can't get a credit card
I am helping my wife build some credit but we're struggling. We have applied for 2/3 credit cards in recent months (even the ones where requirements are very low), and yet, she was declined. She is a homemaker so doesn't have an income. Any advice would be most appreciated. Thanks
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Section 74 - used car - 15 months on
Hi folks, So - we have a car that has had ENDLESS issues. Lots repaired under warranty. Some bits that they never managed to identify. I have paid several £1000 to the same garage for repairs over the last 15 months including failing its MOT. Asked them to buy it back (refused) and its starting another issue now. I paid…
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Is there some major financial benefits to the banks of issuing new cards?
I have a BoS card with a very low limit and was waiting the 3 months to ask for an increase. Meanwhile Halifax and Lloyds pre approved me for a £2000 limit on a new card. When I applied BoS refused to offer me any increase whatsoever to my credit limit. After saying no a thing popped up in the app asking me if I want a 2nd…
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Barclays live chat
Barclays live chat is down! Anyone having issues! says sorry chat not available right now
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apply for credit card whilst unemployed?
Is it likely to be approved if you apply for a credit card whilst unemployed? Or will I get a better card if I wait till I get another job? My credit rating is very good but I dont wish to ruin my chances. I havent had one for 10years or so
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Should I pay off in full now or wait until just before the 0% deal ends
I have just over £4K in credit card debt which was transferred to a 0% card in April of this year. The 0% deal runs out in October 2024. I have been paying this off at a rate of about £200 a month and I have no intention of spending on this card. Recently I am in a position to pay that debt (my only debt) off in full.…
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Paying for Building work over 30k
My daughter is having an extension & cost is 40k so over limit for credit card section 75 so what would be the best/safest way to pay? They have arranged to pay after each ‘stage’ so it’s split up into small amounts but presumably this wouldn’t count as separate works & therefore covered thanks for any advice
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Onmo - anyone else on here use them
Firstly my credit rating is very poor owing to bad financial decisions in past. I have one credit card at moment which has £200 limit which is clear by the way as I always use it then pay it in full at each month. Happened to check my clearscore earlier on offers and saw I was preapproved for a new credit card with onmo. I…
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Section 75 and car trade-in
Section 75 of the Consumer Credit Act protects purchases, where a credit card is used, for an item that costs between £100 and £30,000. A purchase over that limits is not covered - at all. Does anyone know if Sections 75 provides protection if, say, you pay £23,000 and trade in your old car for £12,000 - giving a total…
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Tesco Gift Card Scam
Hi I do not know if anyone has experienced this but I entered a competition on Facebook to win a £500 Tesco Gift card. Apparently I won the gift card. But in order to get this I had to pay £3.00 I was told that I would receive the gift card via email. I have not received this instead I received an email from a company…
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Nationwide Credit card
I received a call purporting to be from Nationwide BS at lunch time yesterday while having lunch in a pub over 100 miles from home! As far as I could work out they said that there had been a problem and had blocked my credit card, good course of action to take. Now the problem started. Security questions, what was my…
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Credit card upgrade to rewards card
I currently have Barclays platinum credit card with zero balance on it, I just checked my credit score on Halifax and it’s says it’s dropped 11 points because I haven’t been using my full credit allowance. I was looking to change to a rewards card and was wondering which one would be best? I looked at the Amex gold but…
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Transfer balance or keep in the Bank?
I have a credit card which interest free period is due to run out. £4000. I have an offer on another card for balance transfers for 12 months with a 3% fee. I have the money in saving account to pay card off which is earning 4.5%, paid monthly. Do I pay credit card losing interest on savings or transfer balance and pay 3%…
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: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
