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Is it Fraud? Advice needed
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Balance Transfer Incompatible
I was looking for a 0% card to transfer a balance from an American Express account and a MSE soft search indicated I had a 90% chance of being accepted for the Sainsbury's 29 month 0% interest credit card. I completed an application for this card and was successful, only to discover after completing the application that…
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Money transfer 0% than balance transfer 0%
I applied for a Tesco Credit card 0% interest balance transfer. 0% fee transfer. It gave me quite a high limit. I was surprised really. I've got a Halifax Credit card too. Existing customer. I've transferred my balance to Tesco as planned. Once thing I noticed on my Halifax account, it offered a money transfer 0% fee, 4.9%…
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Cash from credit card
Might sound daft, but I am new to lending money! About the 0% money transfer cards, it says 0% for X months, 2.99% fee with 19.9% rep APR. My question is, is the 2.99% only applicable after the initial cash transfer i.e if I transfer cash after the first transfer? Or is it on anything not paid off? Or is it applicable only…
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swapping balances for interest free.
hi all, i have a nationwide and mbna credit card. both interest free rates are due to finish soon. both are offering interest free balance transfers. is there an issue with tranferring balance from nationwide to MBNA then transferring what was on the MBNA to nationwide to take advantage of the 0% balance transfers on both…
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bonusbond mastercard
I have just been offered this card and after checking bonusbond website i found out i can only use it in certain shops. please can anyone tell me if they have used it in iceland and how easy is it since there is no pin with the card. thank you
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Maximising Credit Card limits
I just got accepted for a Virgin money 0% card. Putting all spending on it will hit the limit in about 1 year (1/2 way through the deal). I have an Amex which I've reduced by £5k (not sure if relevant). What's the best strategy to continue the credit past the year? Especially interested in timing of when to apply. 1) As…
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Cards for larger balance transfers £5000 +
Hi. I currently have 2 credit cards (1 with mbna, 1 with Barclaycard). I'm paying interest on my Barclaycard. My mana 0% interest runs out in 5 days. Looked up the deals and applied for a Sainsbury's 27 month 0% interest on balance transfers and purchases, with a 3% fee. I asked to transfer £5700. I got accepted for the…
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Aa interest free credit card balance transfer 2016
Hello, I took this out after seeing on MSE in 2016...bank is now trying to charge me interest....stupidly i have destroyed documentation....can anyone recall how long the free interest period was for???? TIA
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Best card for paying off very account in full
I have £900 to pay off on my very account, and I've just started getting interest on it, what's the best card to use to pay it off in full? Would I need a money transfer card? Or a 0% purchase card and if I went with 0% purchase would I be able to pay it off in full and that would count as 1 purchase? Trying to get rid of…
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CD Voucher
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EExtended warranty and purchase protection offered on which cards ?
My Nationwide credit card has stopped offering Extended Warranty and Purchase Protection since March 2018 and i have only just noticed. Which cards offer this? Does this affect any of my rights if a company goes bust ?
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Business CC Debts
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What is the Cheaper Option?
Hello, Apologies.I think I've posted this in the wrong area... I was wondering if I could get an answer please... I have to pay a very large vet bill. I was going to put it all on my credit card. My friend has very kindly given me their credit card details for a part payment of £1000. Would he accrue less interest if he…
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Amazon Mastercard Query
If I was to acquire an Amazon Mastercard to make use of the £20 voucher and 0% interest for 3 months. If I made a purchase and then paid it off well within those 3 months, would I take a hit on my credit rating for cancelling the credit card after paying the balance off? Thanks in advance.
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PPI Confusion on joint account
My ex husband and I had a joint mortgage account with PPI, but the PP insurance policy was in my ex-husband's name only. Does this mean that only my husband would be entitled to compensation?
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Re-applying for amex card after cancelling card
Hi All, yesterday I cancelled my amex preferred rewards gold charge card having had it for 6 months. I have withdrew all membership reward points from my account. If I want to re-apply for an amex card in the future, how long do I have to wait before I can re-apply and get a sign up bonus. I have been told this is 6…
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Sainsbury credit direct debit issue
Hi I don’t know if anyone has ever had this issue or has any advice on how to resolve it but I have a credit card with Sainsbury’s, which I’ve had many issues with to say the least, but here’s the latest. In October I asked them to set up a new direct debit for a set amount, the account to pay it from was the same as…
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holiday credit card limit
Hi, I think that by paying for flights on a credit card, that gives extra protection (for example if the airline goes bust). But how is that possible if the spending limit is lower than the flights cost? Can I pre-load money onto the card before purchasing the flights? eg if flights cost 2000 and my limit is 1000, if I put…
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Making a 0% balance transfer as a money transfer
Hello I just did a 0% balance transfer, but accidentally transferred too much. This left me with a credit balance on my old card. I called the bank and they simply transferred the credit balance into my bank account. So effectively I have done a 0%, no fee money transfer disguised as a balance transfer. Is this common? I’m…
