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Avios Cards - worth it?

April 11, 2016, 9:31 am
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I'm thinking of switching from the MBNA rewards card to one of the Amex Avios cards, and I was just wondering if anyone had any thoughts.


Do people generally find these worthwhile? I'm debating whether it's worth the £150 annual fee on the premium card to make sure I get the companion voucher (we probably spend £12k ish a year on Amex at the moment, we could possibly reach the £20k, but it would require diverting more spend on to the card than we currently have, and it'd be close)


Does having to pay the fees/taxes/charges for the ticket outweigh the benefits?


We just don't cash the vouchers in very often for the MBNA, and I quite like the idea of using points toward flights/upgrades, but I'm just concerned that I'll never have enough points to use for anything worthwhile without having to spend additional cash when redeeming the points.
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Credit, Debit or what? that is the question.

April 11, 2016, 9:48 am
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"Of the two, credit and debit cards, which is safest to use when purchasing items on the internet?", that was the question posed to me by my wife when she learned that someone had tried to gain £7000 off her sisters credit card.

I said it has always been my understanding that credit cards offered more or better security, however I have always used a debit card or paypal.

Later, something crossed my mind and I'm unsure if I've dreamt or read it, and that is to use a card specifically for internet transaction, is this so? and if it is, perhaps someone would offer a few words of wisdom as no doubt this subject won't drop in our house, especially as today I bought a dyson on-line.
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Want to transfer balance, which credit card is best and other queries

April 11, 2016, 10:53 am
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Had some really lovely people advise me in the other forum (thank you!) and so this is a question about my credit card and transferring it to one with no interest which I've been told I can do...

I have £2,300 on an MBNA card.. I have about £40 to spend so its almost maxed out. I make the minimum payment every month by DD which is usually around 50/60, but my balance never seems to go down so its probably costing me a lot in the long term,

I've been using money supermarket to compare deals but there are a few things I dont get so if someone could help with the basics id appreciate it! I know its very basic stuff, sorry
  • When it says 'debt repaid in 23 months' - does this mean I cant pay it off earlier? Is there a penalty if i do?
  • Can I make more than the minimum monthly payment on the new card?
  • When I've paid it all off, does the new card stay open?
  • When I have the balance transfered, will my MBNA card stay open?
  • Why do some cards have a 'fee' on transferred balances, and some not? Wouldnt everyone just choose a card that didnt have a fee?
  • Is it worth transfering the balance if there is a free to pay?

Sorry for all the questions.
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Charge Back Issue / Section 75

April 11, 2016, 1:13 pm
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Hi All. and I wondered if any could advise, My mum had been clamped recently however it was the previous owner the car that had the offence. I tried explaining this to the baluf they weren't interested and forced me to pay the fee to have it unclamped, I subsequently did a chargeback, but anerror with the paper work from the banks end, meant I was out of the standard time frame, as a result I did a CB under section 75, I've just been informed that, the payment was valid as, as paying it meant I'm the debtor irrespective and I chose to pay, this seems crazy can you advise.
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AMEX platinum everyday cash back as go-to CC?

April 11, 2016, 6:17 pm
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I'm a student looking for my first "real" CC. I already have a student CC with Halifax, but looking for something long-term. MSE recommends the AMEX as it provides cash back on everything you buy with the card, is it worth the time?

I won't fully utilise the 5% cash back for the first three months because I won't spend £2k+ in that time, and long-term, I may only qualify for 0.5% cash back as I'll probably be spending less than £3500 annually with the card whilst a student.

Is it okay as an every day credit card that will give "some" return?
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Cashback on Clarity Credit Card

April 12, 2016, 1:12 am
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Hello,

I currently have the Halifax Reward current account and receive the £5 monthly reward.

If I was to apply for the Halifax Clarity Credit card would I be entitled to £5 a month cashback on that as well?

On this MSE site it says the Clarity credit card gives £5 cashback but on the Halifax website I can't see anywhere that mentions cashback.

Can someone clarify for me:
(i) does the Clarity credit card pay £5 per month cashback?
(ii) would I be entitled to £5 cashback if I already receive £5 reward from my current account?

Thank You :)
Heather
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Closed Barclaycard. Still showing on credit score.

April 12, 2016, 7:21 am
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I closed my Barclaycard last month after I transferred the £3000 balance to a new 0% card with another providor.

When I checked my credit score today, it has a red mark on credit card usage claiming that I have 3 cards with over £7500 usage. In fact I only have two. It seems BarclayCard hasn't been marked as closed.

How long does this usually take?
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Amex Direct Debit mystery

April 12, 2016, 10:21 am
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The direct debit for my Amex PRG charge card is set up for the 11th, and has always come out of my account previously on that date - so I know the DD is set up correctly. It is still showing in my direct debits on Barclays online banking as active.

Anyway, Amex now shows my balance as having been paid in full by DD yesterday and now has a zero balance, but there's still no sign of the money having been taken from my account. There were more than sufficient funds available (plus an unused overdraft limit of about 10x the card balance), there is no other indication that it has bounced.

Has anyone else come across this before? Is this just normal Amex behaviour and I haven't noticed it previously?
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newday cards (AQUA)

April 12, 2016, 12:44 pm
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hi all, first post here but a long time viewer. im having an issue with Newday Cards AKA Aqua credit card.

back in 2012 i recieved a new card from them on a new account, it was used once at a petrol station and unfortunately my card was cloned and maxed out. i sent all the correct forms into the CCC and low and behold the problems started. they agreed they recieved them then they didnt, then they did etc etc.... a 12 month battle later trying to have this dealt with and they removed the balance on my cards, so i though great, ill go and use them properly now. i spend £200 on new purchases, eager to boost my non existent credit through never having any. the next month the balance was back, maxed out plus the £200 i had spent. anyway a long time went on, another year in fact, and tons of phone calls from me all gone to waste being told its all dealt with when it wasnt, being told i would have a call back and i never........ i sent it to the ombudsman. the ombudsman made the final decition that things wernt dealt with properly and that the balance be squashed, however i still pay the £200 odd pound i owed genuinly and Newday also compensate me £150. The default that had been registered by them and a debt collection agency be removed after 2 years on my file and the CC account also adjusted accordingly to reflect to bad past. well...... 6 months on and still Newday are messing both me and the ombudsman around, despite them agreeing with the final decition, they have done nothing about it. when i call them they have no idea what im talking about and when the ombudsman contact them, they give an excuse of its being dealt with. because of all this and solely this by credit score is at 103 and i have no other adverse information. i have been trying to get a mortgage for 2 years and all the companies have said no chance with that on my file. it really annoys me as im such a good person, ive never had a bad debt and im the first to pay my bills every month.

does anyone know what i can do to either escilate this or take to court? thanks :)
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Change of pymt date

April 12, 2016, 12:49 pm
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A quick quesr. I am finally in a position to pay off my Nat west cc off in full each month. I always paid the minimum by dd then made over payments. My dd always came out on the 5 th of the month.

Now I have changed to pay the full amount by dd they have changed the date it comes out to the 26th, 9 days earlier, can someone explain why for me as I don't understand the reason.

Thank you in advance for any help.
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Giving card details to budget foreign hotel

April 12, 2016, 11:40 pm
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I am trying to book a hotel abroad and the cheap hotel say they want my card details to reserve the rooms. I am reluctant to do this for obvious reasons but appreciate your comments and tips please.
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Maximising use of 0% on purchases

April 13, 2016, 2:56 am
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I have just acquired a 0% on purchases for 27 months credit card from the Post Office with a limit of £4,500.

I was planning on using it for everything I buy and then using what I have in my current account to overpay on the mortgage. I get that the danger here is roll forward 27 months and I have £4,500 on my credit card which is then suddenly not 0%.

Trying to find a happy medium where I can leave myself with enough time to pay off the credit card.

I quite like the idea of overpaying on the mortgage which I pay interest on and having the 0% on a credit card though.
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Barclaycard cancelled before the card reached me

April 13, 2016, 4:39 am
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Hi all.

I recently applied for a Barclaycard and was successful in getting one with a £10k credit limit. I was going to use it to B/T just under this amount and close old cards down. I had recently had a successful application for a Halifax credit card as well.

Upon receipt of the card, I tried to create an online log in and do a balance transfer. After much to-ing and fro-ing, a rather brusque lady in the call centre told me the account had been closed because "their lending criteria had changed".

It doesn't seem there is much I can do about it, however, I would have expected that the FCA would require Barclaycard to write to me and inform me of the closure, rather than just close it without any notice. 2 months on I still have had no written communication from them to advise me that the account has been closed. I could have made significant financial decisions based on being given the card in the first place and I am wondering if they have broken any rules and if I could seek redress?

Any info gratefully received.
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Transfer balance to a new card or wait until I have completed on property purchase?

April 13, 2016, 7:32 am
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Hello all,

Not sure if this is the right place to post this....

I have a 0% card with Santander that expires in about 3 weeks. Should I transfer my balance to one of these new low 0% or wait until I have completed on my property purchase?
I currently have a mortgage offer from Coventry and I'm just waiting for my solicitors to pull their.... exchange and complete the deal. Thank you.
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Luxury Cut Price Kitchens

April 13, 2016, 8:22 am
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Luxury Cut Price Kitchens. Go to WE WE WE cutpricekit chens 1 co uk
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email from Halifax offering 1% cashback

April 13, 2016, 10:11 am
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I have received an email from Halifax offeriing me 1% cashback on purchases made with the card in a certain perio.I have to ring an 0345 number to opt in. Has anyone else received an email and how do I know it's genuine? Yes, they have put part of my postcode in the email, but scammers today are always one step ahead. One thing that makes me suspicious is that it says you cannot apply for this in a branch. Sounds strange. I will check next time I am near a Halifax branch. just wondering if anyone else has been offered this?
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NAtwest CC

April 13, 2016, 12:00 pm
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My friend has applied for and been given a CC with Natwest, and has been told about £25 fee if not used. and will not get the fee if it is used.

Does anyone know if this is a one off fee or if this is a monthly thing, i.e. if not used every month then any month not used then £25 fee?

I'm not impressed with it and would like to be able to tell her to cancel it and go for a different one ...

Any suggestions which is best for low volume use and no fees!

It will be paid off in full every month, but a low interest rate just incase.

And there is no transfer balance just starting from £0

Thanks
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Where to get my first credit card

April 13, 2016, 12:32 pm
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Hi guys,

I am thinking of getting a credit card to build some credit history and utilise my work trips. I have been in the UK for 3 years now, with no debt and a good income. A friend recommended getting an offer from a shop or hotel rather than applying at banks as that will be easier and the benefits are often more generous. Do you have any suggestion on this?

Many thanks,
Oki
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So confused please help !!!

April 13, 2016, 4:29 pm
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I have a credit card and an overdraft and want to pay them both off by consolidating ! Been looking about but everything is so confusing 😔 Was looking at balance transfer but then came across money transfer .. Can anyone explain the difference please ? I completed the elegibilty calculator for both and the money transfer is not looking good at 30% chance !! Anyone got any advice on good cheap and low interest ways of consolidating this debt ?
Thanks
Paula x
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Applied for 3 CCs in a week

April 13, 2016, 8:56 pm
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Hello all,

I have often wondered what happens if you apply for multiply cards within a short time (about a week) So i did it and wanted to report what happened as others might find it useful.

Firstly my basic details so you can judge if this is useful to you or not...

Male, 28 years young, £12k outstanding CC debt with £20k available credit, £78k mortgage debt, £60k income, 550 credit score according to clearscore.com

Virgin money 0% interest on purchases 24 months - £7500 credit limit
Halifax 0% no balance transfer fre 24 months - £3500 credit limit
AA 0% no balance transfer fee 22 months (i think) - £3900 credit limit

I applied for all the cards within less than a week of each other, had no problems getting any of them. Hope this helps others wondering what they might get.

Thanks,

Chris.
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