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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…
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Vanquis Credit Card - Direct Debit
My direct debit payment (or my card payment) is due to be taken/paid on the 13th July. Within the last day or two, I can see that on the right hand side it shows the full balance amount of which will be taken and then underneath it says (pending). What does this mean? I dont believe ive seen this before. Does this mean…
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how to best present home ownership / living situation in credit card application
hello. I'm trying to apply for a credit card and would love some advice on how to present my slightly complex living / home ownership situation. I own a property which I'm renting out and I'm living with my parents rent-free. However I can see from the MSE credit club report that 'living with parents' is looked upon…
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Holiday payment
1) We have booked a holiday, through an agent, to Singapore at the end of the year and wanted to know that, if there were to be any problems before and during the holiday, what should I have in place to protect myself. I have travel insurance which covers the holiday period booked. 2) What is best way for paying for a…
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Credit limit reduction
I wonder if anyone else has had this happen. I did a balance transfer to MBNA a year or so ago. Since then I have never missed or made a late payment and I always pay more than the minimum payment. I was really shocked a couple of weeks ago to receive a text from MBNA saying you have used more than 90% of your credit limit…
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ClearScore insights - lower credit use - is this true??!!
Hi there. I seem to be being rejected for credit card applications and not sure why. My ClearScore report says I should lower credit use. I have one credit card where I'm borrowing close to the limit. The advice says I should be at 70% of the credit limit - I'm at 79%. Does anyone know if this is true?? I really need to…
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Sainsbury credit card
I want a new credit card and note Sainsbury's Bank credit card give a slightly better deal ie. Get 8,000 bonus Nectar points if you spend £400+ at Sainsbury's/ Argos in the first two months – worth £4. as quoted on the MSE website Sainburys' Bank makes no mention of this deal so I rang them and they couldn't find if this…
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Barclaycard Cash Back on 0% card
I have signed up for a Barclaycard with 0% for 23 months. They are offering me to set up "Barclaycard Cashback Rewards". Just to make sure, setting up the cashback won't invalidate or negatively impact on my 0% period?
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Car purchase
Hi My question relates to a 2nd hand car purchase which is for my son. I paid a small deposit using my credit card to trigger sec75 cover if anything goes wrong. My question is does it matter if my son now uses HIS debit card to pay the remaining cost(over 5k) as the money will be coming from his saving account.Would we/he…
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0% credit card question
A friend wants to pay for a car on a 0% card they've taken out, but the dealer doesn't take credit cards. They've asked if they could use the card to pay for a holiday I'm due to pay the balance on in return for the cash, with the net result that they'll effectively have the balance on the card. My instinct says to avoid,…
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MSE Eligibility Calculator
Just curious - any ideas why I would be denied "pre approved" access to some of the best buy credit cards e.g. the Natwest 0% purchase card on the MSE list in the MSE calculator? I am not that bothered as there are plenty that say I am 100% pre-approved. I was just a bit surprised that Natwest would block me since I have a…
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time of day for a payment received by lender to be considered late?
Does anyone know this (maybe for MBNA or Halifax)? Is it regulated across lenders? I haven't found it mentioned in any of their T&Cs and a search on this forums didn't really clarify it. Does "due date" imply that payments are accepted (received) on the due date as well, until some reasonable time of day? Or does it imply…
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Coop members cashback credit card
Does anyone have any experience of this? Does the app work ok? Can you pay bill using debit card? Cashback amount seems relatively decent, but it doesn't get mentioned much. Is there a reason why? I really like my Amex card, but I'm struggling to use it at times. Even though it's accepted at more places, there's still a…
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 kimwp
5 August at 9:57AM
