Which benefit credit card?
Hello all We have had a Sainsbury's Credit card for years now and quite frankly, it's pointless! I am not interested in vouchers and points, but have been looking to no avail for something with...
View ArticleCapital one accept online then change their mind
I applied for a credit card with capital one and was told online that I had been accepted and I signed the credit agreement online. I got nothing in the post so called them and was put on hold for a...
View ArticleLiving abroad but need to pay off UK credit card
Hi everyone, first time poster here! :) I am due to move abroad in the near future but still have two credit cards that need paying off. I just need some advice as to how is the best way to do it, do I...
View ArticleBT 0% and new purchases
I have 2 years 0% BT and 6 months 0% NP on my Nat West card. How do I make the most of the 2 years BT and pay off NP quickly? I don't understand how the bank decides how my monthly payments are...
View ArticleCurrent Account Overdraft as Balance Transfer
Has anyone transferred their overdrawn current account balance to a credit card as a balance transfer? All the references I read seem to apply to either other credit card balances or sums outstanding...
View ArticleAqua interest rate increase?
Hi, I got a letter today from Aqua, I've had a credit card with them for over a year, and it says that my interest rate is increasing from 37.9% to 40.9%. Is this unique to me? Or is this happening to...
View ArticleBest credit card for USD purchase
I'm looking for a credit card that is similar to Metrobank debit card - no fees for online purchases in other currencies + great exchange rate (Metro used Mastercard official rate) I want to purchase...
View ArticleHave I Been Cheated?
Hello Fellow Money Savers, I am in a bit of a predicament here and all to quickly approaching dire straits! Our Original Mortgage for Twenty-three Thousand Pounds (£23,000.00) over twenty-five (25)...
View ArticleUsing Cards Abroad - Halifax Clarity vs 0%
Hi there, I was hoping someone could give me some advice. I am headed to the USA for a few weeks and I have a halifax clarity card for spending because it has no fees. When I have used it abroad before...
View ArticleAmerican Express And Cashback
Hi, I have one of the older American Express Credit Cards that pays casback. I Pay no fee for this card,been using it for years no problem and receive a cash back payment annually. Received my monthly...
View ArticleSelfridges store card / creation finance
Hi I'm new here. I was very recently accepted for an asda credit card by creation finance ( because it offered cash back on shopping and petrol ). I have since found that they back the selfridges store...
View Article0% card to fund master's degree!?
Hello Lovely People, Would it be possible to use zero per cent credit cards to fund a master's degree? That's maybe £7,000 living costs and £5,000 tuition fees? It would be very unorthodox and possibly...
View ArticleBalance transfer cancelled due to late payment
Does anyone have any experience about a balance transfer being cancelled due to a late first payment? Is there any recourse? I paid £500 to transfer a large balance to M**A for 0% for 12 months but due...
View ArticleCapitalOne - several limit rises later - things start to go wrong
Got a capitalone card as 'organisation of last resort' and was initially given £1000 limit, signed the CCA paperwork and job was done. Over the course of several years they gradually increased my limit...
View ArticleCan Creation raise APR when card is 'closed'?
I opted out of an APR hike and agreed to no longer use the card and repay the balance. This I have been doing. On my most recent statement, I noted that the APR had been increased again. When I queried...
View ArticleCredit card payment has gone into a black hole
I've just discovered I mis-directed my Barclaycard payment and it has gone to my wife's a/c that was closed last year. No trace of it on-line. Will I be able to recover it? Am ringing Barclaycard on...
View ArticleMSE PRE Eligibility Checker
I have been looking through the website on here, and have spotted the pre eligibility checker that doesnt show up on your credit file. Is this any good?
View ArticleBalance transfer or a purchase?
Hi, If I want to pay off a finance agreement, in the eyes of the credit card company would this be classed as a balance transfer or a purchase? I'm in a sticky situation where the cheaper alternative...
View ArticleBarclaycard Initial Experience
Hi, I have been using sub-prime credit cards for the past year, in order to build up my credit history. I have paid in full every month thus most of my limits are now at £1000. I have now been accepted...
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