-
Rejected for credit card despite credit score of 1000/1000 - !!!!!!?!
Hi all The title says it all - I have a Barclaycard Platinum Visa credit card that I took out some years ago as it offered commission / currency conversion fee-free overseas purchases / ATM withdrawals - these are the only times I ever use the card - am not really a credit card person. This got withdrawn a couple of years…
-
balance transfer error
HI hope you can help me . I applied for a balance transfer card from Tesco last week and was accepted. Once the cards arrived i transfered £1700 over from Natwest and decided to transfer a £400 from Barclays and close account down when completed. both transactions were showing as pending on my Tesco app. This morning i…
-
Which credit cards offer CSV transaction downloads, and for how many months/years?
Hi, I can download up to 7 years of bank current account transactions in CSV format, in up to 1 year max chunks, which I've found useful in the past. But which credit cards offer transaction downloads in CSV format, and over what date range? My current credit card only seems to only offer PDF download, and only does that…
-
Lloyds and Halifax cashback credit cards are back
They went away for a while and you weren't able to get them but they're back now, with the same 0.25% and 0.50% cashback terms as before. There's also a new World Elite MasterCard credit card which gives you 0.50% cashback up to £15k spend and then 1% after that, plus Priority Pass and airport security fast track. This…
-
Nationwide Credit Card
I'm sure I posted this earlier but seems to have disappeared with no reason why. Anyway. My card was declined yesterday and decided to check it. High bill required to pay which made no sense, nothing showing on transactions. Called them, they claim its because I didn't pay last months bill. However, speaking through this…
-
What's changed so drastically?
Hi all, just after a bit of insight if anyone could help? I've spent the last 15 years surfing CC 0% offers. I always pay off at the end of the 0% term and hop onto the next card to start again. I'm a pretty savvy saver with a lot of savings, but use a credit card to put all my big purchases on and average out the…
-
AMEX Direct Debit Bounced back - implications?
Hello, My Amex direct debit collection from Barclays failed as I was missing 3gbp to cover it. Amex tried to collect funds on 8th of September, I received it back on 11th of September (as it failed), and after I topped up my account, AMEX successfully collected it on 18th of September (on second attempt). As a result, I…
-
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…
-
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…
-
Purchase Car with 0% Credit Card
Hi all, we planned to purchase a car on 0% credit card, as no interest, and will have the money sitting in our savings account until due to pay after 2 years (paying credit card monthly minimum payments until then). But I have contacted 6 dealerships and none will accept credit card and trying to get me to take finance (no…
-
Can you keep moving between 0% 0fee balance transfer cards?
Ive tried searching on the forum but i think the word transfer is too generic. I owe £7000 on a 0% tesco credit card which expires next month. I want to transfer to a 0% 0 fee balance transfer card such as the current NATwest offer for 14months. In 12-13months will anything stop me from transfering to a new 0% balance…
-
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…
-
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…
-
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…
-
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…
-
Card transactions don’t add up to balance
MBNA credit cars Has anyone exported their months transactions to excel and found the balance is more than the total of transactions? Mine are £181 out. Speaking with them on their messages board they say it will be sorted this month- but I can’t see how it will as the transactions this month add up to the balance due.
-
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?
-
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.
-
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.
-
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…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by surreysaver
27 February at 12:22AM
