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BHS Refund on Credit Card
Not sure if this is the right forum, but I have a question about refunds for companies in administration. I ordered an item online from BHS and want to return it. There is a lot in the press about them possibly going into administration today. So if I return today and the refund is processed today would I still get my…
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Amex BA-Application Appeal
Hello everyone! Pretty new to the forum...I would like to know your experience with Amex! I applied recently for a BA Amex credit card and I was declined after a message telling me that further checks needed to be made! I called the customer service next morning in order to ask them if I can send them any documentation to…
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Best Credit Card or Bank Account for Binary Brokers
I do a bit of binary Trading from time to time, and I currently use my HSBC Advance account Debit card, but I get charged a fee of around 2.75% called a Non-Sterling Transaction Fee both when I deposit at the Broker and Withdraw, I use Banc De Binary, OptionBit and SecuredOptions. If I used my Credit Card would that be…
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Can We swap do this, Please help
I got a We swap pre pay credit card in November 2015. In April 4th I got an email stating To maintain the security on your WeSwap account, we require some further verification from you. Please could you provide the following: A brief explanation of the main purpose for using your WeSwap card A copy of the bank statement(s)…
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Purchases / Balance Transfer Question
Hello all! I currently have a store card balance (currently interest free on buy now pay later, thankfully!) with Argos. Yesterday I applied for (and was accepted) a credit card that offers 25 months 0% interest on purchases, and 12 months 0% interest on balance transfers. My question is this. If I were to log into the…
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Question about "guaranteed credit" checks from bank?
Hi, I am just curious - I bank with Santander and while I was still in uni (with a maxed £1500 overdraft) I was in the bank and they told me while I was there that it said on my account I was able to get a guaranteed £2000 Credit Card - I was just wondering what it takes for them to offer it? Because as I recall my credit…
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Ultimate gift card
Hi Is there anyway round "the ultimate gift card"(JD, bank, scotts, millets.) expiry date we have a card over 12 months old and we cannot redeem it as it has expired I did not know they had an expiry date surely you cannot just loose your money?
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Switching credit cards for TopCashback cashback
I have an HSBC credit card which I hardly use at all. Maybe three or four times a year. And I tend to pay off the balance before the interest kicks in. Most of the time my balance is zero. Recently I noticed that Top Cashback offer cashback for successful applications for certain credit cards e.g…
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MBNA - Customer requesting a promotional offer
Afternoon All, Just a quick question. Have an MBNA card which I've had years, always been a good customer, never missed a payment. I often have promotional rates of interest free on balance transfers for 12 months on my card. Has anybody ever asked them for a promotional rate? What I really want is a balance transfer offer…
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Balance transfer plus new loan
Hi, I just need some advice about the best way of combining a balance transfer on my 3000GBP, 20%APR barclaycard balance, with acquiring a new loan of 3000 pounds to buy a car. I am not sure of my credit score, but have never defaulted on any of my minimum payments or direct debits. I have used my current account overdraft…
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Visa debit card personal info to merchant
When I purchase online from overseas using my visa debit card (HSBC), the merchant is asking about my full name, date of birth, phone number in addition to card number, cvv and billing address. Please suggest if I can give these details? Is it safe?.
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Terminal illness
Hi My dad has recently been diagnosed with a terminal illness, with only months left. He owes 14k on an mbna credit card, what will happen with this? He has no assets, and very little in the bank. Most of his state pension goes on repayments. Myself and my mother are additional card holders on his account. Would it be wise…
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Bad data sent to credit agencies - is it libel?
Hi 2 weeks ago had £2K of fraud in a single transaction take me over my credit limit. Called the bank and they said they would reverse but didn't. They have now told Credit Agencies I am over my limit which has adversely affected my rating. I am about to apply for a mortgage so this is detrimental to me. To my reckoning…
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How quickly do you receive Barclaycard?
Applied on Sunday, did not receive "instant decision" but a "please wait" one. On Wednesday, got an email saying all is good and the card is coming. Logged in online, I can see everything, but can't do balance transfer as I must activate my card first. Checking the post box every day... How quickly do they dispatch the…
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Balance Transfer Question
I have recently taken out a new Barclaycard with a 0% fee to transfer (initially 2% fee reduced to zero by way of refund). I have made one transfer and had a refund is it possible to do a second one and not get charged for the transfer? P.s have called Barclay's and they weren't very helpful.
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Paying off early
I have recently got a credit card with Halifax purely to use abroad and avoid any fees for withdrawing cash and making purchases. However, my credit limit has only been set to £600. I am away for a month and am certain that I will want to spend/withdraw more than £600 in this time. Is it possible to pay off some of what I…
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Get your thinking hats on and help me out.
I am about to spend £3 k on a holiday and £12k on premium bonds. (I know thats not the best investment but its a long story) I have a Tesco world mastercard A british airways amex A m/s credit card A debenhams credit card Now whilst the credit limit on each card will not cover the purchase, i know that i can pay an amount…
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Virgin 0% Credit Card Limit Stress!
After seeing the new Virgin Credit Card on this site (0% balance transfers AND spend for 24 months) I decided it would be a good idea to apply. I currently have a Santander 123 credit card with £2100 limit which started charging me interest in November, I've spent around £1800 on the card. I wanted to ditch this card as it…
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Post Office credit card website not working properly
For the second day the Post Office credit card website is not working properly. Yesterday there were a few lines stating that they had a technical issue. This was hidden down the page in smallish type. Has any one else experienced this? They are changing their website and asking everyone to re-register so I presume this is…
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0% interest ending
My nationwide 0% interest ends on the 31st may.when is the best time to start sapplying for a new 0% card so i can switch the balance? thanks scott
