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Barclaycard Freedom Rewards
Hi, Long time lurker, first time poster. A month ago, I decided to apply for my first credit card. Being my very first one, I knew I wouldn't get the best out there since I virtually have no credit history. And so, I decided to apply for the Barclaycard Initial. Or so, I thought I did. I was shocked to receive the…
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dispute payment chip and pin
Recently went to Munich Octoberfest. Left the hotel and when I checked out I paid for printing off boarding card. Hotel then charge me again for hotel room. Disputed payment. Night porter said I had not paid for room so had charged me. Had to leave to catch plane. Emailed hotel and they admitted there mistake but instead…
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My first credit card - advice please. :)
Hi, I'm looking to get my first credit card to pay off a £760 bill that has just landed on my doorstep. I'd be hoping to pay off the £760 over the course of 12 months and obviously incur as little interest as possible - if any - to pay off in addition. Does anyone have any recommendations or advice for me, please? All…
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Visa debit card dispute lloyds bank not helping.
Hi there, back in June, a company called TT Stuff which seems to be American based, took over £1600 from my visa debit card account which I did not authorised, I have never used the company in question. lloyds refunded the money while they investigated. A couple of days ago I recieved a later stating the company in…
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Amex Green card declined problem
I've had this card for around a month and a half now and suddenly out of nowhere when I tried to use it, it got declined. Called Amex customer services they said my account is under security review and I have to wait until people call me to find out what to do next until I can use my card again. Anyone ever had this…
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Credit Card Consolidation
Hi I was wondering if its worth me consolidating my next account, current total outstanding £525.07 with last months interest 11.50% so min monthly payment is £49.95 and a asda credit card total amount outstanding of £1,348.35 with last months interest of 20.92 so a min monthly payment was £43, my question is would it be…
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Is theft covered by Section 75 please
Hi I bought a new bike on Friday and it was stolen from our garage on Tuesday night before I had time to insure. I paid with a John Lewis credit card, am I covered by section 75 please? Many thanks Natalie
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Advice regarding sec75.
Can some one help advice please. A few years ago a paid a deposit on an off plan property investment abroad,via an english company at a seminar. I paid with a credit card cheque a deposit of £1000,my question is this does section 75 regarding cards goods and services apply too card cheques as well as the card itself.??
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marketing
I applied for a credit card with a company I won't name and requested not to be contacted in relation to marketing phone calls however I have received a phone call from them telling me about their latest product offers, is this allowed?
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What! can they do that?
I've just been offered a loan from a super market at 5% over 5 years to pay off my credit card debt saving me £100 per month in payments, the money is in my account ready to use. Just recently my bank keeps sending me letters to tell me that if I only pay minimum payments on my credit cards each month it will take longer…
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How to Deal with Paid of Credit Cards
I've heard conflicting advice on how best to deal with paid of credit cards. Assuming i have 4 cards, all of which are paid off, but i intend to keep 1 for emergency use, what is the best way of dealing with the other cards? I've heard from some that it's best to cancel old credit cards, as they can affect your credit…
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Best Visa credit card for use abroad?
I've tried having a look at the best cards to use abroad and most of them appear to be Mastercard. Has anyone got any suggestions on the best Visa ones. The balance will be paid off every month. Thanks.
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Choosing a credit card
I'm wanting to get a credit card but it's very daunting. I will be wanting to pay off the amount spent each month before any charges are incurred. I basically don't want to pay anything. Any perks an added bonus. Which card would be best? :)
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Can you use a Nationwide overdraft the same day?
Hi guys, I just increased my overdraft limit, and received an instant confirmation that it was successful. It says you can use within the next 2 working days, does that mean you can only use the overdraft after 2 working days? or can it mean anytime from now up to 2 working days? has anybody manage to use their overdraft…
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Barclaycard used for deposit on Holiday- refundable?
Hi there, I have a quick question but not sure if you can answer it. We put £400 deposit on a holiday through Thomsons holidays using my wife's Barclaycard. Since then my wife has been diagnosed with breast cancer and will undergo chemotherapy and radiotherapy and will be unable to travel when the holiday comes round in…
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Barclays Freedom Points for Amazon
Just tried to redeem Barclays Freedom points for Amazon vouchers, can't find them on the redemption site. Anybody know if they have stopped doing them? (They are still shown on the normal website, just don't seem to come up after you log in). Thanks.
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Bank sent a fraud check text to my mobile
Today I have purchased an item online, and the transaction was declined despite entering the correct card information, and the correct Mastercard SecureCode password. When it was declined the first time, I tried two more times. In total, that means three times. Then I had three text messages from my bank: * Then I got a…
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Is building work covered by Section 75?
Hi all, I'm getting quotes for a loft conversion and have been reading about section 75 cover. The quotes are coming in around £25,000. My question is if I paid for some of the work on a credit card would I be covered if the builder went bust or the work wasn't completed? To make things slightly more complicated I'm…
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My first credit card - keeping track
Hello, I've always spent on a debit card before now, but I was thinking of getting a credit card to benefit from a cashback (or vouchers) perk. I have about £600pm income after rent and I could do my spending on the credit rather than debit card. BUT I must pay back in full and I must must must not overspend. My finances…
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I'm in credit with a store account, but ...
they wont pay me the amount that I am in credit with. Can somebody please offer me some advise? I have ignored statements the last couple of years. I don't know why, I knew that I didn't owe them any money as we paid up all credit and store cards a few years ago. I actually contacted them via telephone (February this year)…
