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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…
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Free apple subscriptions Barclaycard - already a customer
This is a bit of a long shot but does anyone know if your information is all retained if you cancel your Apple subscription, and then take up the special offer from Barclaycard? In their description, it says I can still get some free months if I've previously been a subscriber. I am wondering if I can cancel my…
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Section 75 Question and paying off your card
I often pay my credit card to keep the balance down. If I buy something for say £200 and later that day make a £200 payment to my card. Will I still be covered under Section 75 for that product/service? What happens if my balance reaches 0 after that payment? Am I still covered. Thanks
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Cancel credit cards at the same time?
Hi all, you have probably heard this 1000 times before but I’ll ask as I need a little help. I have 6 open credit cards at the moment and have taken a loan to pay the balances off on 5 of these (6th card has a balance at 0% for another 20 months) APR were high 20s on most of these. Question is I was looking at closing 4 of…
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paying £1 a month on a card that defaulted in 2010
my friend maxed out a credit card and there's about £4000 owing on it. She's been paying £1 a month on it since 2010. We rang the debt collectors together and they volunteered the information that the account defaulted in 2010, twelve years ago. It's never been to court. Am I right in thinking that she can safely bin that…
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Amex Credit Review for New Customers
Hi, has anyone had a similar experience with Amex as this? I replaced my rewards card a couple of weeks ago with an Amex one. So far had no issues except a few places that don't take Amex, but last night I finished work at 5pm and ordered something on Amazon and it said payment declined. Upon checking my emails I saw I had…
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Balance Transfer
Hi all! New here and seeking some advice, please. :) I had a credit card with Virgin Money, but I am paying way too much on the credit I've used. I'm looking to do a balance transfer and not sure where to start. On my credit card, I have £5,000 used, I earn around £60k and I am looking to just clear my credit card with…
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Credit agreement letter
Has anyone else had a letter from credit card providers with their original credit agreement?
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Creation - Closing ALL IHG Credit Cards
Just received notification from Creation about this: We’re Creation, the finance company behind your IHG One Rewards Club Credit Card. We need to tell you that the relationship between Creation Financial Services and IHG® Hotels and Resorts is coming to an end on 27 June 2023. On 28 June 2023, you’ll move over to the…
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IHG/Creation glitch? Interest and default added due to 'phantom' statement?
Hi. I wanted to see if anyone else has had my experience with the downgrading of the IHG card to Creation only. I hope this isn't a duplicate - I did look and couldn't see anything which might indicate that mine is an isolated experience. Timeline as follows: Statement 6th June 2023. Paid off in full 3 days before due…
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What is the point of credit cards if you don't overspend?
I have a 123 Santander credit and debit card. Is there a good reason for having the credit card when I only spend money that I already have? Will I loose my cashback? Or will I still get cashback interest on just using a debit card. For maintaining the account, I pay £3 per month on the credit card and £4 per month on the…
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Second Barclaycard
I took out a credit card from Barclaycard a few years ago with 0% on purchases for two years. I used this while the offer was active and haven't since as interest is now applied. The balance is paid off and I don't plan on using it again. Barclaycard now have another offer which is very similar (and they sent via a…
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Credit Card and Bingo
I was at my local bingo hall last night and I tried to pay for my bingo books with my Pulse credit card, which I have previously used so that I get cashback but the card was declined. I just paid cash but is it now not possible to pay for bingo/gambling using a credit card? I asked the cashier but all she knew was that my…
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Closing down an old card
I've just opened an account on a new card as I am using it to gather Avios (limit 9k). However, I have another card which I now don't use (Tesco clubcard one, limit 9k). I've had that one for about ten years. Generally, I pay off my card balances almost immediately, so rarely have any balance on them at the time of…
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Credit score
If I have multiple credit cards, is it the credit limit that I have, or the actual outstanding debt, that counts for credit checking? For example if I have 5 credit cards each with £5K limit, but the current total balance across them is is £10K. If I then applied for a 6th card, will they see my current debts as £10K or…
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Section 75 - Who Do I Claim From ?
Hi All,, Please could you advise if i am able to put a claim in for a section 75 for the below situation i am in ? Purchase price of £1113.60 on credit card for kitchen flooring, i had to pay the kitchen supplier 'Wrens Kitchens' this amount as they advised that they would place the order on my behalf to the flooring…
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Amex outside London/cities
I've just worked out the % of my total spend so far this year on my Amex card has been only 51%. I'm still finding many places don't accept. I live in a town not a city, I shop in independents as much as possible rather than big chains. Does anyone else find it difficult to use theirs for the majority of their spending?
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Getting a Credit Card With No Credit History?
I've been thinking about getting my first credit card, however I'm somewhat confused as to how someone is supposed to get one if they have no previous credit history, as this would be there first credit card? I used a multi-bank eligibility checker on this site to see what cards are available to me, only to get a whopping…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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