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MSE celebrate St Pat Day yet they Don't St George's Day.
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So who surcharges? B&Q?
I thought not many companies surcharged, but i've only had my first credit card since the weekend and there is a 65p and £2 that i have no idea what it is. Are they surcharges? Also how come all the itemised transactions are so cryptic compared to debit statements? I've got santander 123. One place i think is b&q and the…
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Horrified by Debenham's hard sell technique
Hi all Just wanted to share an experience I had today in Debenham's. I was stood behind another customer when the cashier asked her if she wanted to ' earn 3 points for every pound she spent' and that she 'didn't have to pay now but in 56 days time'. However not once did she actually point out this was for a credit card.…
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Amex referrals - are they working for you?
I've sent a referral today, but didn't get the usual confirmation email. I will check with the person I referred tomorrow, but I'm wondering if you had any issues with referrals recently? They have changed the user interface.
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Tesco 25mth transfer 16mth purchace
Hi all, I have just looked at getting a Tesco card to transfer the balance (£1500) from another card. The 25 month interest free deal is good enough for me. It also has a 3 month interest free on the purchases. I want to pay off £100 per month. However, I called to ask where my payments will come off, (transfer or balance)…
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Overseas Cashback Credit Card
Hello, I need some help to find a good credit card. I need to pay for some items overseas, in Canada to be specific, will cost me around £7000 in total. I'm trying to find a card that will not sting me with a substantial charge for overseas spending and maybe also reward me with some cash back? A card with a cheaper fee…
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Graduate account payback and credit card
Hi all, I've a £2,000 natwest student overdraft, and will be starting a job shortly, receiving my first pay at the end of May. I've also a Natwest student credit card, with a few hundred quid to pay off. The student credit card is virtually useless to be honest, though it has been good to tide me over until the job starts.…
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Paid twice in error but Barclaycard wont refund
I made a payment over the phone for hubbys credit card as he is out of the country and asked them to send a paper statement so we don't miss it while he is away. Needless to say, they hadnt put permission for me to speak to them on the file even though we thought we had arranged this. Asked hubby to phone from abroad to…
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Natwest Mastercard S75/Chargeback Refund Letter Query
Hi all, Hope this is the right place! I recently put a Section 75/Chargeback claim in with Natwest for £1000 after a company went bust. I received a letter from them saying that they put the credit back to my account (yay), but there was this paragraph in the letter... "However it maybe necessary to return to you at a…
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Spare credit card
I have two credit cards, one is a Tesco clubcard/creditcard which I might keep and the other is a Aqua credit credit card (both mastercards) and was wondering if I close the Aqua one down even though I've got it a few months back I've never used it since I'm always using my barclaycard visa card all the time, would this…
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Chargeback problem
we hired a car last summer in france and did not pay the excess waiver insurance. We then drove into a giant hailstorm (stones the size of tennis balls) and the car was totally smashed up. we had to pay over £1000 extra for the car damage and contested this with HSBC/Visa due to the event being an extraordinary natural…
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Vanquis replacement card?
I have a Vanquis card and its looking a little battered and i'd really like a replacement one. Does anyone know if Vanquis will replace it for free? Or do they charge for lost or replacement cards?
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Payment Allocation Question
Hello, I've got a Nationwide CC that has 20 months at 0% for Balance Transfers, and 12 months 0% on Purchases. I know that higher interest balances are paid off first, but obviously both are at 0%. I asked NW directly but they didn't give me a clear answer. Obviously, I'd like my payments to be allocated to any purchase…
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credit cards to loan?
Hi, I need advice please, I have 6 cards all on interest, one finishes in 3/4 months. I'm paying the the minimum payment on some and more on others, weekly £90+ on a S/O working out to £380pm. I'm thinking of taking out a loan of 5 years to pay them all off and shredded. Can someone advise me please.
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Go Sainsburys Nectar CC
Just had to have a little rant. Last weekend I decided to try my luck with a Sainsburys Nectar credit card. I know it's run by Halifax and I have no great love for them, but we do the bulk of our shopping at Sainsburys, especially now the missus works there. I went through their online application and when I got to the…
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Getting started
As a 20yo student (living at home) the whole miles game is very attractive and something I'd very much like to get into, however I've never had a credit card before, just a couple of current and saving accounts that I've never overdrawn. Going into debt isn't a problem as I can pay it off each month (Ive read all the…
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balance transfer and penalties
hi appreciate if anyone can help. I have an MBNA card where 0% transfer rate ends in December. I currently owe about £6000 on the MBNA card and pay £350 each month and had planned to pay off a lumpsum or transfer any remaining balance to a new card at the end of December. I am going on maternity leave soon for a year with…
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Santander 123 credit card £24
Hi, I've had the £24 added to my balance, but i have a 123 current account. When will i get this refunded? Isn't it meant to be free for the first year? Thanks,
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Help with chargeback or refund
Hi I am a newbie, Need some advice please, I saw a car advertised in auto trader and eBay and because it was advertised as a fully kited c63 merc and although cat d said it was fully repaired. I placed a deposit paid via credit card of £500 and went to Oldham to pick it up. Part ex had already been agreed before deposit…
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Maestro debit card online payment problems?
I do a lot of online shopping with my Yorkshire Bank Maestro card - mostly no problems. But lately I have encountered two retailers which no longer accept them. They say that Maestro is not as secure as other cards. :huh: It makes no difference that my card is registered with a securecode. Anyone else had this?
