-
New to the Credit Cards board? Start here
💳 Useful threads on this board * Best Balance Transfers Discussion Area 💳 Related content on MoneySavingExpert.com * Our main Credit Cards page * Our Getting your first credit card guide * The Credit Card Eligibility Calculator * Credit Club * Our American Express tips & tricks guide 💳 Other boards on this forum * Our…
-
Spam Button
Hi Everyone Just a quick reminder for long term users and a heads up for new users: if you spot any genuine Spam on this board, could you all please hit the spam button - it helps the forum team deal with it much quicker if we all work together to get it bashed. Please don't reply to the spam as this will just keep it at…
-
Order in which items are paid off when paying credit card balance
I have a 0% balance transfer credit card onto which I have transferred a few balances (around £6000) within the required timeframe. The offer is that as long as I pay the minimum amount each month, I will pay no interest for 13 months. That part is all clear to me and I have set up a direct debit to pay the minimum amount…
-
Taking out new credit card deals
I have 2 CC. One that I have with Barclays for 20years. My main bank is now Lloyds for some time I took out a interest free deal about 3 years ago. I don't have any debt on the cards. I'm expecting a fair amount of spending soon and thought I should take out a new deal. Question is what shall I do with my existing cards?…
-
Credit Card - Default and future Payment
Hi all I hope someone can help. The debt in question stems from a Capital One credit card, and due to unforeseen circumstances including job loss, my last payment was made in March 2018. Subsequently, I have had no further communication or transactions with Capital One. I understand that a default was placed on the account…
-
PayPal credit and increasing limits
Hello everyone: Firstly I would like to point out that I know people do get into trouble with PayPal credit and that it is a frequent topic of conversation on the Debt Free Wannabe forum. However, I have switched on the notify me if you want to increase my credit limit thing and I have accepted limit increase from 800 odd…
-
Personal Load or 0% Purchase credit card
I am at the end of my PCP contract for my car and it's now time to pay the final payment and keep the car. I've been debating if it will be wise to pay the lumpsum of 12k through personal loan or should I take out a 0% purchase credit card. I have been saving for this and it's not availablily of funds but rather making…
-
Debenhams credit card new points system
I've had a Debenhams credit card for quite a few years after a cashier in store suggested I get one to take advantage of the discount that was on offer at the time. I still have the Debenhams credit card, and recently they've brought back points, which can be converted to a voucher to spend online at debenhams.com. I just…
-
Interest free CC and obtaining a 20 to 30k credit limit at application
Hi We currently have a mortgage circa 220k around 50%LTV. This includes a Further advance for home improvements currently undergoing. We want to raise some further capital for Windows kitchen etc. Can see barclaycard and Marks and sparks have 19 or upto 21 months Int free. So the big question how can we achieve a high…
-
Defective Barclaycards
Defective Barclaycards. Despite being placed - in my wallet - alongside my credit cards with other institutions, my most recent three Barclaycards have only lasted a couple of months before they have become defective (unable to be read at ATM/EPOS systems). Am I unlucky or are others experiencing this problem?
-
buying a gift from Amazon US for friend in US - best way to pay?
Hi All, I'm buying a surprise gift for a friend who lives in the US. I can get this via Amazon and because I'm spending over $35 it's free shipping. Great. But then it gets to the paying for it bit. I'm using my UK credit card and the site asks if I want them to convert the amount into GBP (for a fee) or do I want to pay…
-
lloyds bank taking the micky with credit card
Has with a lloyds credit card , had them take the micky with intrest rates and nearly double it for no reson. Iv had one of there platinum cars at 10.8 apr and aways pay off in full. as soon as i made a large purchase, they tryed a rug pull and nearly doubled the apr to 18percent. little did they know i was still intending…
-
Balance transfer
Hi, if I do a 0% credit card balance transfer, and the offer is for say 20 months, but the purchase offer is only for 6 months, so after 6 months if I purchase something the interest is only applied to the purchase, not the whole balance? I realise the point of the balance transfer is to have no interest so make it a…
-
Credit Cards vs Debit cards rewards/ interest
Hello! We have about 20k in the bank ready to spend on our house - namely White goods, decoration, sofas etc (no building work) Is it better to keep the money in a high interest savings account, and get a credit card with rewards - pay for the goods through the credit card - which we would pay back monthly IN FULL via the…
-
Capital One - 2nd Card
Hi all When holding one Cap1 card you can open another once your first card has been open 2 or 4 months (it varies depending where on the site you look!). To those that applied for the second - did the eligibility checker work & give you a chance of approval (e.g. 50/90/100 etc)? Or did you just go straight to the page and…
-
Worried about possible CIFAS marker
Worried about possible CIFAS marker
-
Credit card refund
In September 2023 I booked flights for June 2024 on a Canadian airline using my credit card. In February I had an email saying the airline had ceased operating with immediate effect. I called the bank, who said that since the transaction was made more than 90 days earlier I could not claim a refund. I looked into it, and…
-
£25K on cards. Just Xferred £15K to Barclaycard 0%. How long to apply for another card
Hi. £25K balance on the cards. Have applied and been accepted for Barclaycard 0% Transfer. Have just put £15K on this. How long is reasonable to apply for another 0% card - and transfer the remaining £10K Experian score is 987. Thank you all in advance.
-
Credit Card interest question
Hello, After some quick advice. I did a Balance transfer about 18 months ago which is coming to and end in June but before payday. All in there is around £600 left to pay So i plan to pay £300 this month an the remainder at the end of June. However my BT 0% period ends on the 2nd of June. Before payday. I was wondering…
-
Selling a car privately, How do I make sure they don't use a CC to transfer money?
I'm selling a car privately to someone. I've read on things to watch out for and one of those is someone paying with a CC because they "could" do a chargeback at some point? If I was about to sell it and they went on their phone to do the money transfer to my bank account, how do I know they aren't using a CC without…
-
Credit card minimum payment
I have a credit card where I have a direct debit set up for the minimum payment. I cleared most of it on the 24th April with a balance transfer to another card. My account is still showing minimum payment due tomorrow £104.99. I only have a balance now of around £250. I thought maybe it just hasn't updated but I called up…
-
Pre Approved, Maybe?
Kept getting emails from capital one saying I’d been pre approved for a classic or balance transfer card, think it’s cause I did a quick check a few months back maybe, anyways I wasn’t interested but they kept sending the emails so I decided to go for the capital one balance transfer card as it was 6 months interest free I…