Credit card repayment/interest question

Sweet.

Does a credit score mean anything?
I just checked Experian and mine is far higher than I would expect.

Yes - it's one of the data points lenders use to assess if you are eligible for a loan and at what level of risk.

As far as I understand it means something bit is only a small part of the picture, each lender uses different sets of criteria for different types of lending with how much money they think they'll make off you being just as relevant as how risky you are

Any suggestions for a good rewards credit card that is mastercard or visa for places that don't take Amex?

Preferably not specific airline/hotel based. Cheers

Tesco credit cards get you clubcard points, if that interests you?

We had a Sainsbury's one where the nectar points we gained paid for our Christmas shopping.

But I guess you want a cash back one?
Money supermarket usually has a list.

Nationwide select is the best I know of at the moment at 0.25% - unfortunately cashback rates have been slashed across the board, it was 1% when I got it and 0.5% until January.

Scratch that sorry - new customers get 0%...

But yeah, check the best buy tables but you would be better off working out what reward non-cashback non-Amex card works for you.

I don't use clubcard/nectar points at the moment so not sure how they'll work out. Guess I'll try some comparison sites.

If you get a credit card via https://www.quidco.com/home/ you can get cashback on top. I got £29 last time I got a new credit card. (after checking elsewhere that the card was the one I wanted and the best deal first).

If you join Quidco via my referral link we'll each get a fiver too: https://www.quidco.com/user/6022498/2710538/

I'm already on Quidco cheers. The cashback ones don't seem to return that much given it's only for supplementary spending and all the heavy spending goes on the Amex, will have to see what I can track down.

I like the NatWest Reward Black card. You get between 0.5% and 15% cashback on your spend and no foreign currency fees. Think it costs £80 per year so you do need to use it to benefit. Free if you have private banking.

Cheers but I do the bulk of spending on my Amex so I didn't think another paid for card is worth it.

I used to do all my spending on an Amex too but the rewards with the Natwest card drew me away.

Will have to have a look nearer the renewal date whether that will work out any better. I don't spend much at supermarkets or their preferred retailers so it doesn't look too good.

I think I'll try out the Tandem card. No fees on overseas spend and 0.5% cashback.

i am super confused.

me and my partner were scaring ourselves by looking at house prices last night. this morning i logged into my bank to readjust my ins and outs so i am pumping a little more into savings each month. my account offers a free experian credit score (not report). i hadn't checked in a while so i do a click on it to see - shock horror - score has dropped significantly in the last couple of months.

...panic and flappery...

i then go through everything i can think of, looking for missed payments, i wonder if it is because i converted my monzo to a full bank account recently, i wonder if it is due to registering with CIFAS after my wallet was nicked. i call experian to check if it could be any of those things, they so no - it's all very puzzling. they recommended registering with experian itself rather than getting just the score via my bank account to get a full report.

so, i've registered directly with experian via their site and on there it says my score is 991

WTAFIGO?

Anyone know if you can transfer credit balances off a credit card into another account?

Paid for something on the cc, paid it off and now been refunded. Could do with the funds in other accounts rather than using up the balance on the cc.

There is no such thing as a standard credit score. Your bank will use its own criteria against your Experian data to arrive at its version of your score, and Experian will use their own different criteria for its score.

Perhaps your bank also includes it's own info in their scoring.