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Expired card
I mistakenly put an expired credit card in a ATM. I entered my pin and requested 20 pounds. A message appeared on the screen saying my transaction could not be completed at this time and my card was retained. On this months credit card bill there is a debit for the transaction even though i recieved no money from the…
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Tesco 0% transfer charges
Tescos Complaints dept. [Text Removed by ForumTeam] On the 16/11/2015 I applied and was accepted for a Tesco Club card Credit card. Don’t know the 16 digit number yet as I haven’t received it, this isn’t what I am complaining about. I have applied for the 0% transfer fee & 0% for 21 months on the transfer. Any monetary…
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0% purchase on credit cards
Morning All I have been looking at buying another car recently, and was wondering if getting a 0% purchase credit card is the way to go. Can someone tell me that if I get accepted for a card, I have the 27 months to pay it back before I get charged anything, or will there be any more charges on top. I would only be looking…
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Luma Credit Increase
Hi guys I'm just wondering. I got accepted a Luma credit card 5 months ago to help improve my credit rating at £200 I was wondering if anyone here had one and how long it took to get your spending limit increased. Thanks!
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Section 75
Hi all, I hired a car from Dollar.co.uk in July, I returned the car in Las Vegas on the 7th of July when it was supposed to be returned. Dollar claims I returned the car 3 days late and has charged my credit card $547. After 4 months of arguing with the company they will not refund me, I have a timestamped video on my…
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MBNA balance transfer
Hi all, Just wondering if someone with a little more knowledge than me could clarify this. I have just signed up to an MBNA credit card with 36 months 0% balance transfer for balances transferred within 60 days. I currently have a few interest free loans I got for various photographic purchases, varying from 18 months to 2…
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Question Re: Applying for new 0% balance transfer card.
Hi, I have a card with about £8.5k debt on it which has it's 0% intro rate coming to an end in January. I'll be applying for a 0% balance transfer card but I'd like to know if when applying for the new card, you specify the amount of balance you want to transfer so you can definately move over the whole amount? Is that the…
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Barclaycard Interest - Linked to BoE Base rate from Feb 2016
So just got this e-mail from barclaycard...thoughts? We're making some important changes to your account Hello Liviboy, We're making some changes to the Terms and Conditions of your account. From 1 February next year, your interest rates will start to move in line with any changes to the Bank of England Base Rate. What…
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Amex Charge Card
Hi all, My second (ignorant) post. :mad: Im hoping someone can help me all the same haha. I've got an Amex Charge Card and I'm wondering if that actually effects my credit rating at all, as it's not really a form of credit (having to pay the balance in full, every month). Does that mean that it's helping my credit rating…
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Balance Transfer to card with existing balance?
Hi I'm new to all this, so hoping someone can answer this question for me. I have Halifax credit card with an existing balance of approx £2500 which I am paying off monthly (minimum amount, and more when I have it) and it is due to come off the 0% offer in February 2016. However I am able to transfer balance from my MBNA…
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Catalouges and credit cards
Hi, hoping someone may possibly know the answer.... I have held a Littlewoods account for 8 years or so which I opened when my credit history wasn't perfect. At the time I wasn't eligible for any credit cards as I had been a bit silly when I was 18. My credit limit with Littlewoods has gradually increased to £9600. Always…
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Debt, I feel like I'm drowning.
Can anyone offer me advice on my debt problems. I tried applying for a AA credit card to shift my balance from my 3 cards but my total is over the credit allowed. My problem. I have 3 credit cards totaling about £13,000 with Virgin, halifax and barclaycard I know that I'll never be able to pay this of with the Interest…
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Bank of Scotland card - never again
I successfully applied for a BoS card a year or so ago. Used most of the limit for a balance transfer but also used the card for purchases. Within 2 months they kept lowering the limit every time I made a payment. After 4 months they lowered the limit to below my actual balance and then told me I was over the limit! Now…
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Credit Card - Miss selling?
Evening A little over 8 years ago (2007), when I was few weeks into being an 18 yo, I walked into a Natwest bank with intention to open a bank account with a debit card facility, the woman at counter took me into a room for the application, at which point she advised a credit card was best case. It was a very high pressure…
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Charged twice buying from Argos
If you've recently purchased from Argos using your credit card check your statement as there has been a glitch resulting in some double payments to accounts. Purchased a cooker from Argos on the 30th October only to be charged twice due to some kind of glitch as I was informed by the customer service guy after a wait of…
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Section 75 on a deposit
I'm just about to order some (about £1300) furniture with a 3 month lead time, the shop wants 20% up front If I pay this with a CC and then clear the balance without paying any interest am I right that I get Section 75 protection should the shop go bust before delivery? Mat
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First time credit card
Hi, Im looking to get a tesco credit card mainly to extra earn club card points paying shopping bills and utility bills, I'm good with my money and have never needed one before but I also like the idea of earning club card points for nothing really, the balance will be paid on in full every month without fail. My question…
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credit cards in jersey channel islands
Can anyone help? Keep being knocked back for credit cards as my postcode is in Jersey and the lenders state not part of the UK. Have had cards in past. Looking for interest free balance transfers and purchases.... who sees Jersey as the UK?
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Post Office 27 months 0% - not stated on summary?
Hi, I went through the application for the Post Office card (27 month 0% on purchases) and when I read the summary info it only mentioned a 16 month period. I know they state on the promotional page that if you don't make a purchase within the first 3 months you only get 16 months 0%, but there is no reference to this…
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Nationwide Section 75 claims and Resolver
I wished to use the excellent Resolver service to manage my Section 75 claim with Nationwide Credit cards. Unfortunately Resolver does not currently include Nationwide Credit cards, so it put me through to the 'Chairman's complaints office' as I discovered when they phoned me. They were totally ignorant about Resolver and…
