3
votes
3answers
225 views

Can credit card be used as a debit card by making payments into credit card before even using it?

I am planning to use Halifax clarity credit card abroad when I travel to Europe. The credit card offers good rates while using abroad with no transaction charge or non sterling transaction charge ...
1
vote
1answer
170 views

How to use credit card (Barclaycard UK) merely to build the credit history? [duplicate]

My aim is to buy house in three years time So I started searching for the ways I can get mortgage for the house. I found out that I need good credit score to get mortgage along with other things such ...
1
vote
1answer
51 views

Spending arrangements for a dependent student studying abroad

I live in the U.S., and my daughter will be starting college in England in the fall. She is financially dependent on us, has no credit history, and will not have a job while she's in college. We'll be ...
8
votes
3answers
1k views

Opening American credit cards while residing in the UK

In order to introduce the context of the question, I am a UK citizen with a good credit rating and no debts who currently resides in the UK, and do not currently own property in the US. In reference ...
3
votes
1answer
1k views

Is there a U.K. prepaid card having SWIFT, BIC, or IBAN codes, for money transfer?

I'm located in the U.K. Does anyone know if pre-paid cards here, such as Visa prepaid cards, have a SWIFT or BIC or IBAN code, because they are not really a current account? For example, for the ...
3
votes
1answer
75 views

HMV gift vouchers bought on a credit card. Can I claim them back from my cc company?

I gave someone some HMV vouchers for Christmas and now HMV isn't accepting vouchers. Could I claim the value of these back from my credit card company under the terms of the consumer credit act?
6
votes
1answer
317 views

What is the advantage to me in not paying off my debts?

I have some credit card debt that is currently on cards where there is 0% interest for periods of between 14-22 months. There was a transfer fee of around 2.9-3.5% for the balance from old cards. I ...
4
votes
1answer
2k views

Which banks / companies offer virtual or instant credit card services in the UK?

I'm looking to make a small number of hotel and guest-house reservations, and thought that generated credit card numbers with defined limits would be a good idea. Which companies provide such ...
7
votes
1answer
212 views

How does one's personal credit history affect one's own company's credit rating?

Quick background: I have no intention whatsoever on actually getting any loan. However, to accept online credit card payments (eg. via Paypal Payments Pro), merchant account providers determine ...
3
votes
3answers
805 views

Dealing with credit cards and bank accounts when moving from US to UK

My wife and I will be moving to the UK from the US on a work visa sponsored by my employer. One of things I'm most unsure about it how to deal with our current financial accounts. We have one joint ...
3
votes
3answers
753 views

Why is my credit card not showing on my credit report?

I have just got my credit report. All seems fine, but I have noticed that there is no mention of my credit card on the report. I only have one and it is with the same bank current account. I was a ...
5
votes
2answers
5k views

How do I know my Citi credit card account number, for setting up a Virtual Account Number?

I have a credit card from Citibank, and I want to create an Online Account¹ (a virtual credit card number) but it asks me for my "Credit Card Account Number". Upon entering my credit card number ...