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Virgin Money Wine Offer
Has anyone else had Virgin refuse to honour the wine offer on their credit card despite the offer still being on their web site when they applied? It seems like they had too many applicants and now they don't want to pay out.
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Balance transfer credit card with no credit history
Hi, I am trying to get a credit card to make a balance transfer from my partner's RBS credit card which is coming to the end of it's 0% interest period. I applied for one with Halifax but got declined. I did an Experian report which told me this was because: * The age of your accounts indicates lenders are likely to view…
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removing a balance to put back on at 0%
Hi everyone, Im sorry if i have posted this in the wrong section but its my first time, My dilema is this, i have a balance on a card that is running a really good 0% balance transfer. I want to move the balance off the card to another card then put it back so the whole amount i pay off will be on a 0% basis. I pay the…
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Card that reduces DD based on refunds?
I do a fair amount of online shopping on my M&S card, and I pay the balance in full every month via Direct Debit. Most of the shopping goes back so I get a lot of refunds. Up until last month, M&S bank would reduce my direct debit if the refund appeared in the following 2 or so weeks after my statement date. They've…
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Amex BA cancelled
I applied for an American Express British Airways card, it was accepted, then I changed my mind and cancelled the card 3 weeks later. Will it still show on my credit report? Thank you!
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Barclaycard Cashback vs. American Express
Hi All, Nearly 12 months ago I upgraded my Barclaycard to their Platinum Cashback card and since then I've managed to clock up a nice £300 cashback (primarily due to the initial bonus cashback for the first 3 months). I've recently been looking at the American Express Everyday Platinum Cashback card which offers 5% for 3…
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Is is legal for Nationwide to retroactively cancel payments
Nationwide Credit card problem: I placed 2 orders online for delivery to my home address on 12 Oct. This was cleared for payment. On Monday 14th, at around 1 am I received an email saying one payment had been declined. It was not until Wednesday evening that anyone from Nationwide told me that there was a block on my card,…
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MBNA card in credit.
Only by £50 however how does it work, can I just use this for purchases until the credit is used up or will they send me a cheque automatically? Was thinking of £50 worth of shopping you see. Oh yeah sorry, zero balance on the card so it's a positive amount.
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AMEX: long & bitter chargeback dispute - advice please!
Hi all. Will try and keep this as brief as possible. A few years ago, my company was offered some free online services by an American company for the live streaming of an music event (we are quite well known in that field). We accepted the offer. Shortly after, we received a bill for around $6000. The representative who…
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How often should i use my credit card
Hi, i have had my card since July. I am only using it for purchasing things when i have the money in the bank to pay off after purchasing. Just to show i am reliable with payments etc for my credit report. I currently have a limit of £500, i thought using it and paying it off would be good for my credit report. My report…
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Merchant Cash Advance (Business)
Hiya! - I'm new on here and wondered whether anybody has had any experience with the Merchant Cash Advance scheme? - you get an advance related to the average monthly amount you process and then for every £1000 you put through on the PDQ machine you pay between £200 and £300. (on top of the original loan amount) Really not…
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Any problem having a higher credit limit than needed?
Just got a Hx clarity card which i'm only going to use abroad on hols. Hx have given me several £000s limit when I was only thinking of £1000. I'm never going to spend £000s but i wondered if there's any downside of having a high limit?
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MBNA Reward Points
Apologies for bringing up a previously discussed topic - I have seen numerous threads about this in the past, but none in the past couple of years (nor on threads that are open). Why question is whether on the whole, is it financially more rewarding to spend MBNA reward points on vouchers, or specific items within their…
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AMEX to stop paying cashback under £25
Anyone else seen this? http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/10386932/American-Express-stops-paying-cashback-under-25.html 'Americian Express customers will from next March need to spend at least £4,250 a year to earn any cashback from its older credit card. Letters have been posted to…
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Balance transfer from husband's card
A couple of years ago my husband paid off one of my CCs (about £2k) and now he is in a similar position with one of his CCs, so I want to open a new CC with a 0% balance transfer so I can pay this off. I applied for Tesco CC as they had 0% for 27 months, but in the small print it says you can only transfer balances from a…
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Halifax Clarity Rewards
On the MSE page, it says, you have a reward account which you pay in 750 a month and a clarity card on which you spend 300 on a month, you get a £5 payment However the T and C says 11.1 If you meet the requirements set out in condition 11.2, then for any statement period in which you:- (a) make at least £300 of Purchases…
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credit cards and overdrafts
greetings. My circumstances are like this, I am still well into my student overdraft, having graduated 4 years ago, the bank is now charging me a fee for this overdraft, so needless to say I need to sort it out quickly so cut out the new monthly bill and pay it off. My bank offered me a credit card with 0% transfer,…
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Savings not safe from Tsb bank
Hi all,just to remind you all,tsb bank has taken nearly £200 out of my savings account online to pay for my credit card which i owe the money too.Are they allowed to do this?Any help would be much appreciated.
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CC account closed; chipping away at the debt BUT...
the interest being charged varies. I have a closed account (I rejected the interest rate hike) and I have been paying off more than the minimum. I almost always send the payment on my payday, well before it's due. So, every month the only thing added to the balance is the interest. Yet some months the interest they add is…
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cheques to Barclaycard account: payable to?
if you want to send a cheque to reduce a Barclaycard balance, who does the cheque need to be payable to? is it "Barclaycard: 16-digit card number"?
