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Can you apply for credit card with same lender if you close previous card?
Hoping for some advice! I have had credit cards with most of the main lenders over the years - all but one are now paid off. However I now need a new 0% purchase card for some new larger items I need to pay for. Can I close some old credit cards and re-apply for new ones with the same lender? Would that negatively affect…
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Post balance transfer
Hi, little lost here! I have transferred my credit card balance yesterday. It has cleared onto the new card today and my old card balance is showing as NIL. success! My query is what happens with my direct debit on my old card. The next one is due on Friday and is currently showing the full amount. I’m with Halifax for the…
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Balance transfer card question
HI all If I have a credit card (0% spending) for say £7k and want to do a balance transfer what happens if the transfer amount is less than the original amount owing? Would the amount remaining on the 0% spending card continue as is or would the account be closed down meaning immediate payment? Thanks
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Help! Zopa balance transfer
Hi all, Thanks for taking the time to read. My promotional period with Zopa is coming to an end. I saw a good deal for a sainsburys card to transfer my balance to. After having the card approved, it turns out they won’t process a balance transfer from Zopa! I had another credit card with capital one already so I thought I…
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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…
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: Lloyds 0% overdraft by pecunianonolet
29 September at 8:42PM
