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Debit Card Overdraft
Hi, Probably a daft question. But we are with Nationwide and they are changing over draft fees. This will potentially jump from £15.50 a month to over £75 per month in overdraft charges. I am looking at 0% credit cards like Tesco that for a one off transfer fee of £120 means i can have zero interest for potentially 28…
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Avios Boost/hacking - newbie
Hi Guys - I've never had credit cards before - Now aged 40 - But meh - Thinking about using them to try and get some flights - I'm spending in my daily life and not getting any reward for doing so So I have tesco mobile and have points here that can triple and convert in to Avios points I have noticed the BA credit cards…
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0% has run out but cant get a new card
ok, so i totally forgot to check when my 0% ran out and as it happened near enough the day i check was when it did. So as you do, i immediately logged onto this site, did a few comparisons, applied for a few cards, got a couple of knockbacks (changed bank and address fairly recently) and a an acceptance, the problem is the…
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Should I transfer the balance again?
Hi there, Some advice needed. I originally had one credit card and when I didn't pay the balance off in time for the 0% interest to end I transferred it over to another 0% credit card. I then did this a second time. So now I have three credit cards, two with £0 (or a very low) balance and one with around £3,500. If I am…
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Help
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High credit limit but no offers
I have two cards now I am a bit stuck what to do with They have high credit limits but no deals Tried opening another card from provider intending transfer limits, but not eligible So either close and lose CL and reapply later or the CL might limit other cards, vicious circle!
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Overdraft stoozing with student account - bad idea for credit score?
Hey everybody! I'm 18 and, all being well on results day, I'm intending to be a uni student from September. I want to open a Nationwide FlexStudent account in August, which offers a 0% overdraft up to £1,000 in year one, increasing by £1k each year. I already have a 1.47% easy access savings account with AA Savings (and…
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AirBaltic Claim Address
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Issues with interest
Has there been any work \ calculations done on interest charges Had an interesting experience with Santander Took out a 0% balance transfer card with them - and transferred it all out - no issues for a few months. Made a mistake and used it for a couple of purchases, realised it and made a payment to cover those costs - so…
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Fast stoozing using money transfer credit cards cards
hi all, Was wondering if anyone has done the above? Does it really work with any of the cards which have a nonzero transfer fee? I know that Creation has a card that has a zero money transfer fee & 15% on balances. Would it be a good idea to transfer cash using this Creation card & then immediately balance transfer the…
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Help regarding PPI AND CREDIT CARD
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Best card for 10K spend?
Hi Looking for info on the best reward card to use to pay for a holiday? Balance owing is nearly 10k. We have the funds available to pay for it, but would like to get info on any kind of rewards card available?. It will be a 1 off purchase and paid off in full straight away. Not interested in Avios or airline points etc.…
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Get my money back
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hotel hasn't charged card
Hi folks, I read this website a lot for money saving tips but am a first-time poster :j A couple of weeks ago I stayed in a hotel in Greece which I booked through booking.com. On arrival the owner gave me a receipt for my stay (about 700 euros) and I got an sms from my bank (as usual) saying that a charge had been made on…
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0% credit cards
Hi all, I used to have several good offers for 0% credit cards when I logged in to the credit club. However these have now disappeared completely! (It just says N/A under the 0% credit card section). Can anyone explain why this has happened? The only change is that I applied for universal credit, as I will soon be on a…
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New cards Vs existing card deals
I have been mainly renewing existing deals as I am at max credit and don't think will get another card or as big a credit limit again. However generally paying 3% on BTs Vs no fees on new cards Is this a poor strategy? Should I take the risk of ending and restarting?
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Credit card advice needed
Hello so I have 4 Credit cards with 60k total credit available. I have maded to fill 30k thought normal spending but I am strugging to find an efficent way of utilising the the remianing 30k. The best money transfer credit cards I have seen come with a minimum fee of 2.99%. So it is going to cost me £900 to transfer the…
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Non-completion agent fee
Hello, I've received a contract with the following and it does not seem right to include the word "inability". I don't particularly like the whole clause but that word in particular seems off to include. Also, what is a normal fee to pay an agent if you back out of an agreement? Any thoughts would be appreciated. "If the…
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Section 75 query.
In November I bought a pair of shoes online for £121.00. They were to small so I used their free-post return service and obtained proof of postage. I have not been refunded for these yet as they say they haven’t received them. Once they receive them they’ll refund me. I think that is too open ended and as I’d followed…
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Does calling credit card providers help?
Hi all, At the end of the 0% purchases / BT period, can it help to call a credit card provider to sweet talk them into giving you a few more 0% months? For example if you have been paying the minimum payment on time & not running up any foreign usage fees, etc. (i.e. being 'good') would they do anything like this? if so,…
