-
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…
-
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…
-
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…
-
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 Or is that completely withdrawn from the market?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.
-
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…
-
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…
-
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…
-
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…
-
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…
-
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?
-
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.
-
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…
-
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…
-
Barclaycard
Just contacted Barclays regarding my Barclaycard that I’ve held over 15 years. I asked if I have any purchase offers available. It was a firmly no just balance or money transfers. He basically said if the card isn’t suitable for me any more he can cancel it. Don’t really want to cancel the card with it being a reward card…
-
Amex Nectar Credit Card - renew or replace?
Hi there, The anniversary of my American Express Nectar Credit Card is coming up soon (the first year) and I'm due to have to pay the annual fee of £25.00. We've had some benefit of the card as we shop with Sainsbury's for our weekly shop and I estimate that we've gained about 20,000 points over the course of the year…
-
No transfer cards approved
Hi all, I currently have a Tesco credit card with roughly 1.5k on it. I'm coming to the end of my 0% it. I'd like to transfer this, but when doing the calculator on here I am not eligible for any (apart from capital one which is for bad credit). Annoyingly the website doesn't tell you why you aren't eligible? I earn 45k…
-
Stoozing - using the credit card directly?
I've got an opportunity to stooze around £500 by 3rd October 2023, but I would like to use the credit card directly to make a worthwhile deposit/purchase without any hefty charges. My end game to 'settle the stooze' is to make monthly contributions (which I have already started) in a high-interest savings account like N&SI…
-
Worry - Safety Net / Indigo Michael in administration
Hi, not sure if anyone can help... I opened an account with the above in 2019 with a very low credit limit. I didnt use their credit once, I didnt even follow up with their open banking system so it just sat there. At some point my credit limit was reduced to just over £100 and I still hadn't used it. Then in August 2022,…
-
Section 75 and Small Claims Court
I need to make a couple of section 75 claims after being victim to a scam. I've never done this before, and everything i read suggests quite a long drawn out processs whereby the CC company eventually make a decision then if customer doesn't like it they can go to the omburdsman. But why cannot I just give them 28 days and…
-
Company credit card as member of staff
Quick question, my new employer is to provide s company credit card - will I get credit checked ? I have 2 x CCJ’s so I’m concerned that I’ll get refused and even lose my new job.
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
