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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…
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Best cashback CC that isn't AMEX?
Hi, I am looking for the best CC I can get for when my AMEX is not accepted, (so either Visa or MC). Please not Tandem. Tried them and was rejected even though my credit rating/score is absolutely pitch perfect. God knows what happened there but I see a lot of people having issues with their tandem card/account. So would…
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What savings rate do I need to make money on this money transfer?
Hi all Barclaycard are offering me a money transfer to my current account at 0% for 18 months, with a 2.4% fee. I’m struggling to work out the savings interest rate I need I earn to make money on this transfer, over 18 months and probably with regular savers. I’m a higher rate taxpayer. Can anyone help / share the…
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Stoozing-card full
Hi I'm a amature as u will see to this stoozing lark but I took out a 30 month credit card at 0% Last year but only got £3600 to use Which I have nearly used up, I've got the money set aside in savings account as the stoozing goes but now have a card full up with nearly 18 month 0% left. What do I do next? Pay it off or…
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PayPal fees or bank transfer
Hi I'm buying a ww2 item of a militaria dealer who doesn't have a card reader. My only available payment method is either paying him through a money transfer via PayPal friends and family using my credit card or transferring money into my debit card account from my credit card and paying him via the same above method. I…
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Help regarding PPI AND CREDIT CARD
Trying to help my son who is dyslexic, he filled in online form for Barclays to see if he had PPI relating to his Barclaycard. Received a swift letter back saying that due to the information he had given them he didn't have PPI. Do all credit cards have PPI? Maybe I am being naïve because to be honest I don't know much…
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M & S credit card
One can apply for one of these in a Marks and Spencer store where a bank area is arranged. Currently they have a 32 month 0% interest transfer arrangement although it is not prominent in their leaflets. I've transferred debts from NewDay and Barclaycard; the service was quick and easy.:T
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BT from Barclaycard
Hi, I've just received a Capital 1 card that has 6 months' interest free for a balance transfer which I requested at time of application from Barclaycard. The BT has not happened so I've just spent 20 mins to the 'helpline' and they state: 1. You can't BT from Barclaycard unless they give you an 'offer' to allow you to…
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is there a good way to deal with these?
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Juggling 0% credit
Hello, I am new to this forum but have been following Martin for many years and saved loads of cash as a result. I do however have a problem: I want to change my car but do not want to pay the interest associated with PCP or HP given that I have been bouncing around 0% credit cards for years. Mercedes will not accept a…
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Default/settlement advice
Morning all, Can someone please help advise? I lost my job in Jan 2018 and unfortunately my marriage broke down and i have been living with family since. I have two credits cards and a loan. I have a payment plan with credit company but the other has terminated my agreement(i assume this is a default). The outstanding…
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Lloyds Confusion & Amex/Avios 6 month rule
Hi All, I've been a cardholder of the Lloyds Amex Duo since 2009 and am a little confused regarding the changes at Lloyds. The Lloyds website still calls my account Duo, and I know that they are slashing rewards as outlined by MSE Karl here:…
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The Recent Sainsburys 29 month interest free card offer
Hi All After looking on the last MSE e-mail, I saw that Martin's team was recommending a Sainsbury's 29 month interest free credit card. I duly applied for the card and was accepted with a £8000 limit. I activated the card and the card was now ready for me to use. I will add at this point I had another card with MBNA which…
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Vanquis cash transfer to current account
I received an email from Vanquis a few weeks ago offering me a cash transfer to my current account with no fee and interest charged at the standard purchase rate. Am I correct in thinking that if I was to take this option then pay off the card in full before my next statement I would pay no interest as is the case with…
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Amex + Nectar
Does anyone know is this still a good deal, I have it for about 10 years - I get 5 points per £1 and earn about £30-£50 a month (spend £1000-£1500 pcm) , the card costs £25 a year. Is there anything better ? I make about 100,000 miles a year and was looking into a Virgin Atlantic Plus instead of AMEX. Cost for this is £160…
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Credit Card Fraud victim
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Hospital
Hi I need to borrow £2500 for an operation. Most interest free credit cards have a limit of £1200. Does this mean I might have to apply for 2 cards or apply for a loan instead? Hoping someone can help me :j:T
