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Chargeback on a closed credit card account
Hi all, We had tickets to "The Magical Journey" attraction next week but they've since closed. On their website they say we should use chargeback on our credit card to reclaim the money. Unfortunately we paid them just before switching banks and credit cards and the card used is no longer active. I don't even remember the…
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Advice Needed-Will Barclaycard let me transfer from my high interest to new 0per cent
Hi, Can someone advise please. In the last year I have worked really hard on my finances so am now keen to get a card with no interest. I currently have a Barclaycard with a very high interest rate. I was able to pay that off (approx 4.5K) in full recently (apart from my overdraft and student loan it is my only debt).…
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Interest Rate Help
Hey everyone, Am having some trouble working out how much interest I'll be charged - maths is not my strong point at all! My partner owes £583 on a card. It has been 0% interest for six months but it will be 29.9%APR at the end of January and as far as I'm aware, it will backdate and apply the interest to the 6 month 0%…
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Big Spending About to Be Done.
Hi All, I've done quite a bit of research but it's a mine field out there so I'm hoping some advice from the experts of this forum may help me further. Basically I have just bought a house, and I am about to start furnishing it as you can imagine a few grand is going be spent. I have the cash to pay it direct out of a…
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asda credit card
i have a credit card with asda always make my payment early today when i read my statement i was charged a 12 pound late payment fee.I rang the company and was told my payment was to early before the new statement was generated!!! in future I will never ever make an early payment i requested them to take the late payment…
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reducing repayments help
a chap i know has a loan and 3 credit cards. he owes c£35k for his loan. he has cards with MBNA, Nationwide and CapitalOne with a total of c£30k. he is not spending on any of the cards at all...infact i think they may be cut up. he is paying c.£900/m in interest on the 3 cards, is struggling to do so, and has missed some…
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need a little advice please
Hi all im fairly new to the world of the credit card . I have a card with an outstanding balance and i want to transfer the balance to another card(0% Balance transfer offer) which has a direct debit set up to take the outstanding balance on that card every month ,my question is if i transfer the £900 from card A to card B…
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3D Secure - VBV & MCSC Agony
Okay, It's that time of year again when the trusty credit card comes for a few days of activity for some Christmas shopping. Along with it comes the villain that is 3 Domain Secure. Alas, I thought I would spend my day off work buying Christmas presents, well attempting to. I cant say this was a pleasant affair, the…
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cancelling a credit card
Can I cancel a credit card just in writing or do I need to phone them as well. Thanks
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Barclays Credit Card
I have a £3,500 credit card limit with barclays that i took out to get married. I have just taken a pay cut at work and i am struggling to keep up the payments with interest of around £90 a month. Can anyone give me advice on how to lower the payments? cheers, Tom
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Llloyds Credit Card or NatWest ?
I have a Natwest Platinum Mastercard Credit Card and a Lloyds Premier Duo Amex / Mastercard. The limit on NatWest is £5700 and on Lloyds ££9250. When used both cards are paid in full each month by Direct Debit, no interest has ever been paid. The trouble I have is which one to use, I have no idea which is 'Better' although…
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retailer charges for payment by credit card
How much extra can a retailer legally charge a customer who wishes to pay by credit card? I was shopping in Porthmadog last Saturday and, in a cafe, asked if they accepted credit cards ( the bill was a little under £7). I was told that I would have to pay an extra 80p to use a credit card. I had previously thought that…
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chargeback for online purchase
Hi ,I am tempted to buy a TV from an online company called electrohut . They seem to be OK and offer competitive prices but what if it goes wrong ? If I buy using my visa debit card do I get any comeback if the item fails to appear or is not as listed ? The price of the item is £575 . thank you for reading
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Payment not taken for Santander 123
I have set up my credit card to be paid off in full every month by DD to avoid interest. Normally the money disappears from my c/a a few days before the payment is due and then credited against the CC on the day that payment is due. This month, the payment is due tomorrow but the funds have not been taken from my c/a yet.…
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Help please. Have to cancel a holiday
Hi. I'm hoping someone can help me. We have booked a family holiday to centre parcs and are due to go tomorrow however my daughter has been admitted to hospital and will likely be in until at leave Thursday/Friday when the holiday is due to end. I've rang centre parcs and explained and they have said they can't do…
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Credit card bounced
I received a Santander cashback credit card last month. I was offered a credit limit of 1500 but I decided on a credit limit of 1000. I have savings. I use the credit card as much as I can. Today a payment was rejected at Tesco because I would of gone over the 1000 if it went through. I have two questions: 1) Will there be…
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Credit card paid in full but still charged interest. Why?
Hi Can anyone explain why I have been charged interest by Halifax after clearing my balance by the due date. I have had a long conversation with Halifax customer services and am none the wiser. I took out a Halifax Clarity card after reading the article on best credit cards to use abroad. Over a 5 day period in October I…
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0% credit - Car insurance
Hello All, I'm looking to take out a 0% Credit Card to pay off my car insurance ONLY and wont be putting anything else on the card. I have been offered one from Tesco for 19 month 0%, however it says that for 6 months "Initial Buy now pay later" is free on purchase transactions, and after the 6 months it it 1.8%. Does this…
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Barclaycard messing up!
Hi All! Just looking for a bit of advice here for a friend, they have a 32 month 0% deal with Barclaycard and bank with Nationwide. On the 1st December, their payment to Barclaycard came out of their Natiownide account (£30), and the same day it was put back in. The first they knew about this was when they received a…
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Is it best not to use credit cards at all before mortgage application?
My partner and I are looking to get a house next year. He has no debts, just puts his petrol on his card each month and then repays it once he is paid so he had some kind of credit history. I have a couple of cashback cards I use and repay in full each month. Typically all spends for the house and anything my partner wants…
