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Does a default count as total credit usage?
Got one defaulted credit card that I'm paying back bit by bit (going to start reducing this quicker from next month's payday as I'm getting some overtime at present and will throw more at it). The outstanding balance is around 75% of the limit i.e. £1200 of £1600. I got myself a new credit card back in January that had a…
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Credit card / personal loan help
Hiya, In my younger years I racked up quite a bit of debt on credit cards - and got into a cycle of paying off the min while still using the cards. As a result they accounts were closed but I’m now in a much better position paying off more than the min each month / saving as well. But the question is would it better to get…
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APR
Hello everyone. Please accept my apologies for being naïve however I really don't know what I'm doing I'm afraid. I'm looking to reduce my payments on 3 credit cards so looking at balance transfer. I'm looing at Nat West 28 months 0% however it says APR 23.9% which has confused me. Is the APR just for purchases? I don't…
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Interest on a "cash" transaction through PayPal
So on the 25th July I paid for a market place item using PayPal f&f. I used my credit card as this is what I have always done with no issues. I then put £1000 across to my cc on Payday, well in advance of my statement closing on 9th August. Every month I pay off my statement balance. When I checked my statement I had been…
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NatWest credit card
Hi, I applied for a NatWest credit card online yesterday. I had an email this morning saying “your credit card will be up and running soon and we will text you to let you know the card is on its way”. Does this mean the application process is done and I have been approved? Or is this a general email they send out to all…
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Got sent new CC but not the BT offer applied for 😞
Hi, After checking the 0% offers on BT on the main website I applied for the 0% no fee at HSBC (for 16 months). It all seemed to go through very quickly (approved and card sent). When I went on the app today I realised that the offer had not been included. (I have double checked this with customer services). Although they…
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Balance Transfer issue with Zopa
Hi there, I have made a balance transfer through Sainsburys Bank from Zopa which has been accepted and apparently completed according to Sainsburys Bank, however, the sum of Money that Sainsburys now has added is still also showing as a balance in my Zopa account and has been for almost 2 weeks now. I have phoned both…
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Credit card full balance payment
Probably a really obvious question so apologies. I know it’s better to repay the full statement balance of your credit card each month, my question is if you do this but the next day spend the same amount on it - does that affect the positive benefits of paying in full? I.e. if I had £250 on a card, pay the full £250 at…
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Amazon gave my Child’s go Henry card details to audible and they made withdrew £7.99
Hi I’m looking for some guidance in find out if something is actually legal and if I can and who do I complain to. The situation is my 11yo son comes home from camping and complains that Audible have taken out £7.99 from his go Henry card account. my first thought is he’s brought a book or credit by mistake but it turns…
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Advice Needed on 0% credit
Hi all. I am a single parent to twins and they are just about to start nursery and I am returning to work after maternity leave. The nursery ask for payment half termly upfront which is £3000. I will be claiming this back through universal credit. I am not entitled to any advances through uc so have to find this money…
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M and s credit card end date.
Hi I was panicking the other day that my credit card end date would be coming up soon but it never says on the statements the end date of the 0 percent deal like other credit cards I've had. Nothing also on the app ethier. I had to contact them via the chat facility and they said they would remind me 21 days prior to end…
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OTPs for Santander additional cardholders
Anyone know off hand how to add mobile numbers for additional cardholders on a Santander credit card? I can't find anywhere on website and chatbot doesn't seem to have a clue what I'm asking no matter how I word it. Also, won't let me delete my home phone number despite no longer having a landline. I'll try and phone…
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Which credit card we can use to buy USDT cryptocurrency?
Hi, I am looking for a credit card that allows to buy USDT cryptocurrency. I am currently using Capital One credit card, but they don't allow to purchase cryptocurrency.
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Chargeback - who decides?
I have just been told that my chargeback claim has been successful. What I don't understand is who eventually agreed to it. So I applied to my bank for chargeback. They agreed to help and contacted the other bank. The company I'd bought the service from disagreed and said why. I again put my case to my bank who said they'd…
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Product Guarantees Company in Liquidation
Can anyone advise if I can claim under section 75 for a product guaranteed by a company that has gone into Liquidation? I purchased garden furniture June 2023 (£2500+) with my credit card. the company (Moda Furniture) has gone into liquidation. The guarantee is for 7 years, so if i have a problem with it during the next 7…
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Noobie Here, Q 0% purchase collecting Debt Using a Credit Card good idea?
HiSo there are really 2 questions. 1. My gf has a credit card where shes debit of £700 and been payign this off for 3 years, but they charging her £40-50 a month. So its never ending. I watched some tiktok videos and they said by getting a new credit card with 0% purchase and 0% transfer. She could put all her debts into…
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Problem with Halifax Clarity Card?
I've used my Clarity card for many years both in person and online for foreign transactions without incident but recently they've declined a transaction I've made many times before and as they refuse to fix it, I'm in need of an alternative? (I pay for an online service priced in US$ and every time my card expires, I have…
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Applying for another credit card
long story short, i applied and was accepted for a credit card last week, and then stupidly realised i couldn't do what i wanted to do with it, which wasn't clear when applying, but anyway .... so my question is, how much would it affect me to apply for another card, i have good credit rating with long history, but i…
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What counts as a "purchase"?
I have a HSBC 0% on purchases for 22 months credit card. I'm in the process of buying a property. The solicitor needs a payment in advance for searches, and I plan to also pay their fees with this credit card (depending on answers here). Will these payments be classes as purchases? Or does this stray into advances…
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credir card balance transfer
I am looking to transfer a credit card balance to a 0% card to help save me some money on interest on my current card 29.53%. I have filled in all of the relevant sections for the search but its telling me that i am not elegible for any cards. i have 3 credit cards which i am trying my best to clear but the interest is…
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
