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75% write off - Cabot. Statue barred soon
Hi I owed over £5k. The company then sold by debt to Cabot . After hounding me for years they reduced amount to £1250. I think this will be statue barred in December. However im thinking of my credit rating. Is it better to have 'settled ' rather than statue barred on my credit file?
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Spending on cc and PayPal
I figured out I can pay it back with still leaving money over each month. Thanks
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Amazon refund sent to defunct credit card account
Hello All, Amazon issued a refund for a returned, faulty iPad to the credit card account I had originally purchased the iPad with but which is now defunct. The credit card was with John Lewis who changed their banking providers from HSBC to New Day in autumn 2022 . As a result all J.Lewis card customers were issued with…
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Barclaycard don't allow additional card if not "close family member" or at same address.
This morning I rang Barclaycard with a view to obtaining an additional card for my partner. I've had additional cardholders in the past with no problems. This time, they can't issue one as my partner doesn't live with me and they can only provide additional cards for "close family members". This never used to be the case…
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If you're eligible on the credit checker...
...are you still guaranteed to be successful if you apply for the same card through top cashback? TIA
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Uber
Are there any reward cards out there that I could earn points or cash with for using Uber?
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Section 75 - Solar company lost MCS
In May 2022 I paid a deposit for a Solar install at £6000. The install took place on 30th June 2022. Two weeks after I placed the signed order, the installer lost their MCS accreditation but never informed any customers. After 10 months of broken promises about how they were getting back their MCS they went out of…
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Amex declined too often - need a new credit card
My Amex card is not accepted by too many places so I am looking for a new or 2nd card. I did a search on MSE and nearly all the answers came back as AMEX cards...??? does anyone have any credit cards that they think are particularly worthwhile? I am not looking to transfera balance, I just want either rewards or cashback…
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VM '23-'24 Latest Transfer Offer....
Removed. aks Deleted
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Buying a car with a Money card and balance transfer card
Hey all, I’d like to know if anyone has already tried to buy a car with a money transfer card and tried to apply for a 0% balance transfer card before the end of the money card ends. Applying for a money transfer card should tell you if you’re qualifying to get the funds into your bank account but how to be sure that if…
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Can I have x2 0% credit cards from the same lender?
I already have a 0% credit card with Virgin Money. I've just completed the eligibility calculator and I've been Pre-approved for another 0% credit card with Virgin Money over 12 months. Is it possible to have x2 0% credit cards from the same lender? Thanks in advance for any advice :smile:
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Does being retired affect your chances of getting a new credit card?
Just wondered if people had faced rejection when applying for a new card because they said they were retired. Large income with good credit rating .
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0% Transfer
Hi Asking for some advice thought i had it sorted but it's become very confused. To buy new (cheap) car paid on my original 2 credit cards. 1 applied for 2 new 0% Balance transfer Sainsbury high credit limit does not accept Vanquis. Maxed out transfer to Virgin Credit Limit.who accept Vanquis. Can i transfer what i…
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Amex Application Walkthrough?
I hope to apply for Amex Platinum (not Cashback, the one with perks & annual fee). I haven’t applied for a credit card for some years now (although I do have several that I’ve had a long time). Is there a walkthrough/checklist of what to do and when to do it because I know I need to check my credit score, maybe update my…
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American Express credit card overpayment
Looking for some advice as I can't find anything online, I'm planning to make a large purchase (about £1000 more than my credit card limit), would it be possible/is it allowed to overpay my credit card by the amount required before making the purchase? I have asked the retailer if they could split into multiple…
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Lloyds Travel Smart
Hello everyone, I am planning a trip to Florida in September and I am considering using Lloyds travel smart. This service allows you to use your debit card and the money comes straight out of your account as if you were in the UK. There are no fees and you can pay in local currency for a weekly fee of £7. I am wondering if…
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HSBC Credit Card Direct Debit Reference
Hi, When I applied for my 0% HSBC credit card, I set up a direct debit for the minimum amount. I noticed the reference was not my credit card number. So, I cancelled the direct debit and set up a new one. Again, this had a reference that did not match my credit card number. This first payment is due in a couple of weeks…
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Something stinks with Vanquis balance transfer
An offer came up in my TotallyMoney app a couple of weeks ago for a 9 month 0% balance transfer offer with Vanquis, normal APR @ 29.3%, Guaranteed limit of £1,500 which I applied for and got. I've a very small balance of £240 on my Asda Money card which I tried to transfer yesterday and Vanquis text me this morning saying…
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Paying HSBC credit card
It seems impossible to pay my Hsbc credit card bill online with a debit card from nationwide. All other banks offer this what's up with Hsbc?
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Payment due date /statement date
My credit card statement runs 3rd to 3rd. Does that mean if my balance is zero on 2nd/3rd then I pay no interest? My payment due date is 28th of the month and I always pay above the minimum. I've got a small outstanding balance today (waiting for a refund but it might not be in for another 10 days) so is I make a payment…
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: Are BT 0% offers usually on new cards? by Nasqueron
22 July at 1:10PM
