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Credit scores v credit cards
Hi, I have watched Martin Lewis talk about this on TV.
The more he talks about it, the more I am confused. I tried to improve my score
by getting and using a credit card. I had problems getting a new mobile phone
from a different provider and operator. They did not know me so turned it down. I have now got a £200 credit…
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Not eligible for a 0% Credit Card?
Good afternoon, My current 0% Credit Card (Purchases) with Barclaycard is about to end within the next 6 months. Im in a position where my balance is almost paid off. I thought i would take the opportunity to apply for another long term 0% Card as per the recommendations on MSE. I have filled out the eligibility form on…
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Vanquis help
Has anyone had their Vanquis card suspended for security reasons?? Mine has been blocked since Wednesday 11th June after my first use! I made one payment and tried to make another and it declined. Called them and they said my account was blocked for security and someone would call back within 5-7 working days. Looking at…
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Balance Transfer card and Money Transfer from existing loan question
Hi, thanks for letting me use this board. I am a little confused. I recently took out a Virgin credit card with 0% on balance transfers until Feb 2027, which is the offer I used to move a roughly £2,000 credit card balance. I also have an offer for 0% on money transfers on the same card, until 12 May 2026, and I am…
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Is this worth it Stoozing
I have an offer from Barclaycard 2.9% balance transfer (which i can get as money through using the Halifax Clarity as a mule) this offer is for one year. I have a large credit limit with Barclaycard (around 10k) With interest rates generally reducing. I could only expect to earn £450 maximum if i can get and keep 4.5% for…
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Best Credit Card for Rewards
What is the best credit card in terms of value of rewards? Appreciate it all may depend on what you are after, but technically, in terms of pure value, what is the best credit card for the rewards you would receive?
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First Credit Card at 31
Hello, I am 31 years old and have never had a credit card. In the next 2 or 3 years, I would like to buy a house, so I believe it would be a good idea to get a credit card to build my credit in time for that. My plan is to get a credit card and use it for everyday spending and always pay it off in full. I have always been…
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Odd refund behaviour on PayPal credit
I've made two purchases with paypal credit, the first larger one using their introductory 0% over 4 months offer, then a second smaller one that gave me the option of 0% apr over 24 months, in fixed installments. I was planning to pay the minimum on my first statement, then pay off in full on the second - incurring 0 in…
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Opinon on using Money Transfer
Hello all, I want to ask for opinions on whether it is a good idea. At it stands, I got a loan of £9,220.56 with MBNA at 8.90% (Paying £196.99 per month for the next remaining 57 months). However, Barclaycard is offering me up to £10k in money transfer with 4.5% fees and 0% interest on this balance until 1 February 2027…
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APP Fraud Santander Edge credit card
Just fyi, I was impacted by an APP fraud on my Santander Edge Credit card and they wouldn't pay out. They said I had made the payment so they could not do anything. I have repoted to action fraud (who just tell me to be more careful) and the Ombudsman who I'm unsure of yet, but I can post here if I get a positive response.…
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Virgin Money Credit Card - No online access without app
Well, finally I lost the use of the app on 5th June, when the requirement changed to Android 9. Went to website only to find there is no access using web browser at all. The only option, now, seems to be by telephone, and that takes quite a while to get through security and all the option menus. This is the only financial…
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Unsure if I should increase credit limit
The bits I think are important: - Hoping to get a mortgage at some point this year (though it looks like most places are above my comfortable price so unsure if this really will happen) - Monzo are offering me an increased Flex limit of £3550 (with a deadline of 27 June) so it's not like I'm asking for more credit? Current…
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Current Account / Credit Card Application
Which banks won’t credit score you for a credit card if you already hold a current account with them 👍
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Transferring Zable to barclaycard
Hi. I just got a new Barclaycard transfer balances from Zable and Vanquis. I’ve done the Vanquis one but the person on the phone said they do not accept transfer from Zable that was the main reason really as the interest is so high. Is there any way around this? Or just need to focus on making larger payments I noticed…
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Asda Money/Jaja finance and/or fraud check advice?
Has anyone had any fraud issues with this provider? I've had an Asda Money credit card for just under a year. All going fine until a couple of weeks ago when it was declined. I assumed it might have been something to do with paying using my phone and not having the card on me but when I tried another day using the card it…
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Balance transfer cc - how to work out monthly payment
Hi all . Hope all are good 😊 I am looking at transferring a cc balance to a n othe. I have done Martin's check & have been pre approved for 4 cc. Before I choose which one my Q is - at what stage will I know what the minimum monthly payment would be ? And how it is worked out? Haven't done this for a while , from memory…
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Using credit card to buy used car (and pay back using savings)
We have a bit of money set aside for our children, but need to buy a car now. We could pay cash for one, but my idea was to get a 0% credit card to buy the car, so we keep earning interest on the savings. The trouble is, we've never had a credit card before (aged 50) and all Tesco would lend us was <£5k. This is a bit…
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Very basic credit card terminology question
Hi all, I am new here and really struggle with understanding financial terminology, so would appreciate some 'credit cards for dummies' help if possible! I am applying for my first ever credit card and they are asking if I want the repayment amount to be either A. a minimum amount, B. the full amount, or C. a fixed amount.…
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Help! Chargeback issue with Lloyds
Hello everyone! I purchased a beauty lamp on eBay in February using my credit card. Around 2 months later it had stopped working. I contacted the company through eBay and was asked to send videos etc of it not working which I did, I was then totally ignored. I contacted Lloyds to discuss a chargeback, the said I needed to…
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HSBC balance transfer offer query
Hi, i was wondering if anyone has experience with HSBC's balance transfer offers. They have offered me a 12 month interest free offer that expires at the end of the month and although i could use it, it would be more beneficial next month. However i don't know if the offer will renew or change or what? Also when they made…
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: Stoozing first time queries by surreysaver
30 August at 3:55PM
