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Barclaycard abruptly large credit limit decrease, affect on credit file
So Barclaycard have decided to give me 2 months warning they are reducing my limit by about 75%, the new limit is not much over the current balance. The stated reason is based on data they have on me, so obviously vague. All my other cards as things stand, are still the same and have available 0% offers. My concern is…
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best card for abroad
Hi I'm hoping to go abroad this year for 3 months and want to get some sort of credit card to take with me for car rental, flights and money withdrawal. Any suggestions on a credit card that would suit my needs. Thanks Davie
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Santander incentive
Hi i recently opened a Santander credit card to transfer a balance after seeing an offer on MSE offering I think it was an M&S gift card (£30?) I did notice that shortly afterwards the Santander card was still there but no mention of the gift card. I contacted Santander yesterday as I hadnt received the card and they told…
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Aqua Denies Deal
I recently applied for an aqua credit card featured on your weekly e mail. It specifically stated that I was pre approved and the deal was 6 months interest free and a 3% fee. I clicked the link and applied, when I got the card I actioned a balance transfer on line and waited. My statement arrived today with an interest…
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Transfer or Credit Card
Hi, I’ve read the site about the best way to reduce my bank overdraft and the interest that comes along with it, and I see there are two possible alternatives but which is the best option ? Option 1 : Apply for a Transfer Card to transfer money into my account to reduce the overdraft and manage it or Option 2 : Apply for a…
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How long is needed to be a new cardholder with Santander?
I would like to take out a 0% card with Santander, which you can only get if "You don’t have another Santander balance transfer card". I had one previously which I paid off before the 0% ended but forgot to close down. It has been fully (I hope) closed today and no longer shows on my online banking screen. Does anyone know…
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Post Office now JAJA
i had a post office credit card which has recently changed to JAJA. I have just tried to do a balance transfer to virgin money credit card but they don't accept JAVA. anyone else come across this?
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When to pay?? 🤔
I've been struggling for years to get my head around credit card repayments. I know you have to pay IN FULL at the end of each month but is that calender month or payment cycle month 🤔 Trying to improve my credit score so I've got a statement day of the 16th but the payment isn't due for 28 days after the statement date. I…
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Ombudsman Out of time
£6000.00 of dental treatment gone wrong. Tesco bank will not let the allow the Ombudsman to deal with the case under Section 75 of the consumer credit act as out of time. How do I take this to court or are there any other steps I can take first.
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Credit Card Refusal
I have applied for a credit card with Santander and have been refused. I wanted to balance transfer from a previous credit card. I checked my credit file and my score was excellent and there are no issues. Has anyone else had this problem recently? When I asked them why they would not tell me reason and said I needed to…
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Over 40k household income yet 0 chance of credit card.
I tried the credit card checker for cashback/rewards as Nationwide are scrapping their cashback. I pay for everything I can on CC. Both spouse and self are retired with over £43k (last year's figures) income from pensions etc. I entered ZERO for earnings - because I'm retired but 43k other household income and ended up…
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Moved: Overseas NCB
This discussion has been moved.
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Balance Transfer refused by MBNA
Hi All, I've been stoozing for many years and gaining from the advice here. It's saved a lot of £. I've been using an MBNA card as my Super Balance Transfer card. I just transferred a BT from a Sainsbury card to my MBNA, waited a few days, then rang them to ask for a transfer to my bank account, since I'd inadvertently put…
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Santander Balance Transfer Speed?
How quickly do Santander execute Balance Transfers when opening a new credit card? I've built up an unusually high balance on my Barclaycard this month, and rather than just let the Direct Debit clear the balance I'd like to transfer it onto a Santander 0%/no-fee card and make a bit of free money out of it. The DD is due…
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Removing my money from credit card account
I recently had BA flight ticket money paid back into my credit card account. I want to get that money out without paying Nationwides 2.9% transfer interest rate. It is after all my money. Any suggestions
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Santander Multi Cards or Product Swap
Does anyone know if Santander allow multiple credit cards / allow applications for another card to existing cardholder? I asked a while ago about a product swap from Everyday Credit Card to Zero and they told me at the time that the only way was to close one account and open a new one (maybe they have changed stance…
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Event rescheduled but not offering refunds
Hi, looking for some advise. I purchased tickets before the pandemic for an outdoor event in august through live promotions. When I purchased the tickets the t&cs stated no ticket refunds. They have rescheduled the date for October and I cannot attend due to work commitments. Am I entitled to a refund? Will my bank do…
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Credit card limit
I have a credit card with the Halifax with a limit of £3800 I switched bank accounts to HSBC and applied for a credit card and was accepted but only £1500 limit.My question is I only want 1 card and would prefer the HSBC with cash back. But if I cancel my Halifax card would that increase my chance of a better credit on my…
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Balance and money transfer
In line with what I have been reading about balance transfers and purchases with different promotion endings, am I right in assuming that the amount I have paid into my account will go first in clearing my money transfer deal, when it ends in one year, and then on to my balance transfer deal, which ends in two years?
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Latest payment date to avoid interest?
Hi all. I am hoping someone can help clarify what is the VERY LAST date one can wait to settle a credit card with an introductory 0% on purchases without incurring any interest? I have a Tesco Bank credit card whose 0% period expires on the date the November statement (17th). I have been putting the money to pay this off…
