-
Credit Card Balance/Money transfer
I have a CC which already has a 0% balance transfer in operation, this is due to finish in about 9 months. I have just had an offer on the same card for a Money transfer over 2 years at 5.9%apr, I am considering using this offer as part payment for a replacement car, it will be for about 50% of the car cost with the…
-
Car hire using non embossed CC
Hi all I u derogando that some car hire companies in Italy are insisting that Credit cards have embossed numbers and name on the credit card used for excess. Anyone know if this is true as a lot of banks don’t issue them embossed anymore.
-
Pulse (ex Amazon) credit card, updated conditions
The new conditions state ‘Interest will now be charged from the date a transaction is made. If you only use your account for purchases and repay your balance in full each month, this change won’t affect you’ I’m not entirely sure I understand what they are saying as the second bit seems to directly contradict the first…
-
Section 75 claim for split consumer/business payment
I bought a car which turned out to be a bit of a lemon and not as described on several counts. I paid the deposit on my personal credit card and the balance by direct bank transfer from a business account; the car was to be owned by the business and I will use it as a company car with BIK payments due etc. Given that the…
-
John Lewis Credit Card Interest
Hi there, new here so please forgive me if I am repeating someone else. I have a John Lewis (new day) card and use it to the tune of approximately £2k every month for all our expenses. I also pay in full every month. However, the past 2 months I underpaid by a few pounds as I am recovering from a large operation and…
-
Nationwide increasing credit card interest rate by 50%
Ouch, I have just received a letter from Nationwide saying that they are increasing my credit card interest rate by a whopping 50%. I have a members-only card that I have had for a good number of years, and until now it was charging a fair and not unreasonable interest rate of 9.9%, which was perfectly reasonable for the…
-
Tesco Credit Card payment
My last month Tesco Credit card bill was £858.00. I received a refund of £150.00 relating to previous statement. Do I still need to pay the full £858 or will be minus of £150. £708 to pay? Just making I don't get charged interest on next statement. I know Barclaycard allows refunds and takes that off as payment. I am not…
-
Transferring funds from a PlusNet reward card
Hi all, I've recently signed up to plusnet and have been given a plusnet reward card. I'd rather have the 65 quid in my bank account to help pay off a 0% Overdraft I used to pay an unexpected demand for fees from my PhD. However I can't seem to find away to do it. The terms of the card say I can't withdraw cash from it at…
-
Santander Edge Credit Card 2% Cashback
I've just received and started using my Edge credit card. Is there any way to see a running total of Cashback earned? I've looked in the app and online but can't see anything. I'd like to know when I reach the £15 maximum so I can use my Chase account for the rest of the month.
-
0% loan off two credit cards
Ok bare with me here...... So RBS or NatWest offer a 0% fee free card for 13 months and MBNA offer a money transfer for 0% fee. So if you money transfer from MBNA into your account and then balance transfer from RBS or NatWest to MBNA you will get a "loan" for 0% for 13 months. Hope this helps someone
-
Aged Debt 2009
Capital Finacial and Linked Finacial are still chasing me for an aged dept from 2009. There is no court order and they keep writing to anyone with my surname at adresses I've lived at since then. I still keep getting letters and phone calls and texts asking me to get in touch. I ignore them. My exwife just got a letter at…
-
HSBC mastercard rewards issue
Today I received my new card, but I don't quite understand these rewards things. First of all I went online to register my card with the rewards webpage HSBC tells you to, it wouldn't let me register , Next I downloaded the rewards app and that was fine, I was able to register my card on the app but I only see a bunch of…
-
Switch Guarantee affecting my Credit Score
Hello, I recently used the Swith Guarantee offered by a bank to transfer my direct debits (dd) and balance from my old account to my new account. However, as I switch banks so infrequently, I didn't realise that this would reduce my credit score by 50 points. Is there an easy way of retaining my credit history with the old…
-
Section 75 Credit Claim for damaged brand new watch
I just received a new old stock Breilting Chronomat watch which I bought from the website of a jewellers in Knightsbridge, London. It cost £3975 and I paid for it in full by credit card. There is a noticable dent in the case: I have contacted some local companies that I've used before for quotes to repair. I contacted the…
-
CPP Card Protection
I was a Card Protection customer for over 30 years and found it such a reassuring service that if my handbag got snatched or I was robbed on holiday that I only had to make one call and all my cards and documents were dealt with. So I was really sad when CPP wrote and said that the product would be coming to a close at the…
-
Blacklisted by Lloyds Banking Group plc?
I had my vehicle financed by Black Horse way back in April 2018. Fast forward to February this year, I made an inquiry to Black Horse finance in relation to car finance mis-selling after watching Martin Lewis show. An acknowledgement letter was received with a promise to look into the issue. Then on 11th of March, I did…
-
JAJA balance transfer to another credit card
I wondered if anyone else was struggling to find a credit card that would accept a balance transfer from a JAJA credit card? I was previously with post office which has since switched over to JAJA. I was informed a couple of weeks ago my 0% rate was expiring and after trying to do a balance transfer to both a sainsburys…
-
Section 75 and compensation
Hi, i'm in the middle of a section 75 claim via my credit card company. They require 2 quotes for the works to put the situation right and associated costs. Apprently they do not cover compensation for stress and anxiety and effort and inconvenience etc. We had flooring installed in a three storey house when building works…
-
Capital One couldn't verify my details
I applied to Capital One after getting pre-approved on MSE, however, they, for whatever reason, can't verify my details. I gave them my passport and driving license, and a hard search has appeared on my credit report so I'm not sure what the issue was. I've contacted them to see if they can reveal what details they…
-
Written off by bank
Has anyone heard of a bank writing off a credit card debt? This is to do with my other half. He has had a credit card debt of around £7k for a number of years. The card has now been cancelled and he's had a letter saying the balance is £0 and they are closing down the account. He also has a personal current account and…