-
Natwest LEGACY Black Card effectively downgraded to standard card, no fee charged.
Got a sad letter today. My legacy Natwest Black Mastercard will go fee-free from 1st Janaury - the fee was previously £250 a year. This is not the card associated with the current account, but the old 'stand alone' card. Also from this date travel insurance is totally removed. Previously this had world-class benefits,…
-
Card cloning
I wasn't sure where else to post this but thought somebody here might have some thoughts to share. Long story short my HSBC debit card was cloned for the 4th time last week, I have no idea where or how this could have happened. Bank have refunded the transaction, issued new card, but don't seem to give a damn that this…
-
Problem topping up Revolut from overseas debit card?
Hi all, I'm not sure if anyone can offer any advice here, but here goes. I have had a Revolut card for several months now but I have been unable to top it up from my debit card from an overseas bank account. When I use the Revolut app, it scans the debit card OK, I input the information the app requests and the app then…
-
0% Interest Purchase card needed without Balance Transfer
Hello Please can you help! I am looking to apply for a 0% purchase credit card to help finance a new kitchen (approx £7k) I'm looking at the Halifax card as its one of the good ones plus i have my mortgage with them. Whilst looking at the details it says 0% on balance transfers also. I currently have a Barclaycard with…
-
Getting Barclaycard to offer a balance transfer!
I paid off my Barclaycard recently as the interest free period was about to end. I'd quite like to receive another balance transfer offer so I can shuffle around some credit on other cards. But what is most likely to trigger an offer (I keep checking my account & there are currently none): leaving the Barclaycard with zero…
-
Overdrawn USA Bank Account
I am new to the site and hope that this is the correct category for my query. I had a spell of frequent travel to America. I opened a checking account with one of their large banks so that I could easily draw money for spending whilst there. As my trips to America have now ceased I decided to close the account by drawing…
-
Halifax clarity - Getting money abroad
As per title, I have an Halifax Clarity card, which I use for every day purchases, but from time to time I have the need to get cash for various purposes, while abroad. What is the right procedure to pay off the cash withdrawal? Do I have to pay the whole balance on the CC? Do I need to be in credit? Or any money I top up…
-
MBNA Money Transfers
Can MBNA money transfers be made from my MBNA card to a friends bank account?
-
Northern Rock Mortgage
I am one of the unfortunate customers who received a mortgage with Northern Rock then became NRAM. My house has tripled in price over the first 10 years of a 25 year mortgage, also my wages have considerably increased. Yet when I try either going straight to NRAM or go to other lenders I am denied flatly to either change…
-
Marks and Spencer Keep you safe
Hi all, I have had a credit card with M and S for years. Hubby is an additional card holder. Received a letter the other day wishing to update their details etc of the additional card holder. They are looking for as an example passport, driving license, bank statements. I have to provide them with 2 examples and get…
-
M&S Credit card and Balance Transfers beware
Hello there, I recently dealt with an issue at M&S Bank that I thought would be useful for others to know to avoid fees that might not readily be evident. If you have a balance transfer with M&S credit card and the amount is outstanding (even if this is 0%) and then you make a purchase, wait until your statement arrives…
-
NatWest And Android Pay
Just a heads up that NatWest Credit Cards can also now be used with Android Pay. Previously only debit cards were able to be used with NatWest. I have added my cash back credit card but to note purchases up to a maximum of £30 only attract cashback when using Android Pay.
-
How can I avoid balance transfer fees?
I've just got a Tesco Credit card, with 0% interest and 0% on balance transfers. I transferred my HSBC credit card to it for no fee, great :) . but when i went to transfer my HSBC flexiloan, they said that counted as a money transfer and has a 3.9% fee. Now I could transfer the balance to my HSBC Credit Card first (for a…
-
2nd credit card
Hi all, Just wondered if anyone would be kind enough to give me some advice. I'm in a lot of debt - I have quite a big loan, and have maxed out my overdraft and credit card (a Lloyds platinum matercard), and I'm hoping to get a 2nd credit card to use for general spending for a few months. This will all be paid off when I…
-
section 75 protection
Hello, I have recently bought 3 bridesmaid dresses from an online retailer and I am very unhappy with the quality (there is a hole in one and a stain in another) and they differ - albeit slightly - from the picture on their website. I want to return all 3 of the dresses and have tried going through the retailer but they…
-
Unrecognised Credit Card Transaction
After receiving my statement, I have spotted two unrecognised transactions, teen days apart. I phoned the bank and they quickly resolved the issue. What I do not understand is how did this happen. Surely, if it was fraud, they would have made a number of quick purchases of phones or computers before being spotted. In this…
-
Applying for a credit card after a name change
I want to apply for a balance transfer card - and have been 'pre-approved' by this site. But: I recently changed my first and last name. I added it to the electoral roll online about 3 weeks ago, but havent heard anything back. I am looking at the virgin 40 month balance transfer card, but a application does not have…
-
Paying the remaining balance of 0% card
To pay the remaining balance of a 0% card, which method is better: Pay by direct debit by changing the amount from minimum to 'full amount.' Pay remaiming balance from bank account. For example, the last month of 0% period is the end of April 2017, and the direct debit is taken around 7th of the month. After the March…
-
Monthly payments
Anyone know which cards let you set your own amount to pay back each month? My two previous cards only let me pay a certain percentage or the full balance. My Barclaycard also give me the option of setting a figure myself, say £100 a month, which i think is better.
-
Marks and Spencer credit card
Hi All I have a marks and Spencer credit card which I hope to pay off soon. Can I close the account in writing as I dont want to telephone them because its an expensive thing for me at the moment due to me not having a good landline contract. Do i send the cards back cut in two? or when it closed it wouldnt really matter…
