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Can you pay off pending transactions before they're done processing?
I'm booking a holiday at the moment and I've always been told that paying for big purchases with credit cards gives more protection by default so I'm using my credit card to make all the payments. I bought my flights this morning and paid for them via my Barclaycard. I'd like to now book my hotels but my total credit limit…
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Pay Off Finance with 0% Credit Card
Hi, I currently have a load of live finance agreements that I'm paying off, totalling around £450 a month. Is it a good idea to get a 0% credit card to pay them all off, and then pay off around £600 a month on the credit card? I know I'll never have a problem paying £600 a month and I would be able to clear the amount in…
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Sainsburys DD
I changed the details on my Sainsburys direct debit to my new bank account today and stupidly only saw the payment date of the 16th (Monday) when i had completed it! I have also made an additional payment to cover the DD but it said it takes 3 working days to reach them. I've been a tit haven't I! Whats likely to happen?
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Balance transfers from high balance credit cards
Hi My husband's credit card has a balance of £15,000 on it. Is it possible to apply to more than one card company for their 0% balance transfers to be able to shift the debt to interest free for a few months while we bring it down to a more manageable amount? Apart from our joint mortgage and a car repayments he has no…
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Ludicrous Section 75 Lloyds/HailFax CC
Under Section 75 Team for Hailfax CC agreed with me that the Vehicle was not Fit for Purpose. The full and final (only offer) was a full refund, of our purchase price, on condition we sold the vehicle. Sell Price deducted from our refund. No additional costs offered, transport flatbed fees or report Costs offered. In email…
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Can you transfer balance between 2 Balance Transfer Cards?
If I have a Balance Transfer Credit Card and the 0% fee periods ends, can I then transfer the balance to another Balance Transfer Credit Card?
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After applying for Balance Transfer card how long do I have to transfer balance?
I'm applying for a balance transfer card. I was wondering how much time do I have to transfer the balance onto the card? Because there are things I want to buy on my old card first before transferring the balance.
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Balance transfer/Bank transfer.. same thing?
So i see all the hype about 0% balance transfer credit cards for helping people get debt free. What about if I need to get into a little debt. for example if we have tradesmen coming in to do some work and they don't take credit card how would i go about transferring a balance of say £4000 from my credit card to my bank to…
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Barclaycard - Debt Dispute - Help
Hi all, Just registered because people here seem quite savvy on financial matters. I'll keep it as simple as I can. Have about £4000 debt with Barclaycard. Disputed it, claiming it's not my debt. I have never spent this kind of money on this card. It was used by my late father to pay rent, and since I lived with my parents…
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Urgent 27k debt help
Hi I am new to the forum and in need of help. I have managed to build debts of 27k over 3 credit cards, how i have done this is another topic but about 8k of this has been spent in the past 4 months Before after i paid all my bills etc i always had money left to spend on myself but now im at the point where i can pay £700…
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Can you change/upgrade RBS Credit Card ?
Hi all, I've had an RBS MasterCard since about 2013, it used to be a 0% balance transfer card, but obviously that ran out a while ago, so I've just been using it for day-to-day odds and ends, which is obviously earning no reward. Running a few eligibility checks, I've not go much of a chance for many reward cards, just…
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Reclaiming over payment interest
Hi Guys! MBNA has owed me money from an over payment for some time, they've jut made contact to pay it back, should they also owe interest?
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Argos Store card to Lloyds Platinum Credit Card
I recently applied and was accepted for the Lloyds Platinum Credit Card at 0% for 39 months, however I cannot swap my Argos store card debt to it. Anyone managed to do this? TIA x
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BA American Express Product Transfer (aka Product Change)
I would like to share my experience as I have searched the net for days and could not get a clear answer, so I called the CS this morning and after a good 30 minutes on the phone I finally got the answer. Basically I have had the BA Amex blue since 2002, when initially had a fee if you did not spend a minimum amount on it…
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Card Charges & Invoices
Hi all. I've seen a couple of instances of this recently and was wondering what the official receipt/invoicing position was on the subject... Online credit card payment to company X. A small charge is added to total cost by their bank/payment provider. A single amount is paid and billed to the credit card. Very basic text…
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Tesco Clubcard or Santander 123?
I've been using a Tesco Clubcard credit card for years to collect clubcard points to use on discounted days out to places like Longleat. However, would I reap more rewards by using my Santander 123 credit card instead?
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Credit card graduates moving house
Hi all, long time no post! Me and my partner are moving house next month as we both graduate this year. We both have good savings for students but moving house means we will have a large outgoing in the first month. However we don't start work until August / September so our first paychecks are some way off. In that time…
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Impact of card rejection -panic!
Background: I've got a v good credit score...according to noddle at least. Had credit card 5 years, mobile contact 5 years, various bills 5 years, 2 years joint mortgage with my ex and got a mortgage on my own place in Feb. Never missed any payments. Today: went to buy a nice suit, house of Fraser guy lured me in with £20%…
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Foreign money refund
While in Mexico I've paid for a trip on my Tesco credit card but the trip has been cancelled and I've been told I'll get a refund. The money was paid in US dollars which means I got a 2.75% charge for using my card abroad. When I get the refund, will I get back what it cost me or will I just get the amount for the trip…
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Sectio 75 CCA or Chargeback?
Hi. I am currently in dispute with HSBC in relation to my VISA credit card. Back in January I purchased, against my better judgement a swegway for my daughter. It was bought on-line from the USA at a cost of £279.00. I paid using my credit card. The stupid thing went wrong within two weeks. Initially the company agreed to…
