-
Accidental sign up to credit card...
Hi everyone, So funny story...I'm a 21 year old student and wanted to build my credit so applied for an AQUA credit card, I also applied for a Vanquis because the APR rate was lower and signed the contract with vanquis over the phone. I then received my contract in the post and signed for this and sent it off (thinking it…
-
Unfair credit card 'late' fee and mark on credit file
Hi everyone, I recently signed up for an Aqua credit card - I've never needed or wanted a credit card at all, but am purely trying to build a credit history as we have no history of borrowing. However, this has now completely backfired and left me angry and in a worse position than I was in to start with through no fault…
-
Credit Cards With High Starting Credit Limits?
Which ones do you recommend that have an high opening credit limit? cheers :money:
-
Section 75 protection with partial payment
Just wanted to get clarification, please correct me if my understanding is incorrect. 1) Section 75 is a credit card protection which kicks in for items of £100 or more. However, you don't have to put the whole item on your credit card, so simply paying 1p of the item on a credit card would give you the full S75…
-
Sainsbury's 40 month 0% balance transfer
Hey all, I'm looking to apply for this card https://clubs.moneysavingexpert.com/creditclub/app/eligibility/credit-cards/apply/0e7520f7-2fea-4712-975a-c7be31684d70/CC_SAINSBURYS_NECTAR_BT_CARD/b2a33b08 It says I'm eligible if I "don't have a history of bad credit". I have a 5 year old CCJ which is the only black mark on my…
-
Should you check every receipt on every statement?
Just wondering: every month I go through my statements and check every receipt. My wife thinks that in this automatic age it's a waste of time as I never come across any mistakes and I've never been charged a different amount to the receipt I have in my hands. I fully appreciate that one should at the very least check the…
-
Incorrect discount applied to online order, can company charge extra to my debit card
I ordered a hamper online for my nephew, paid by Visa debit card the price shown which included a discount. Now company has sent email saying discount was £6 too much and they will take a further £6 from my bank account. Can they do this without my permission? If the email had asked permission I'd give it but I'm concerned…
-
Asda Cashback+ Credit Card - Online portal.
Hi All Does anyone here have an Asda Credit card and using the Asda Money online account manager. I've had the card for about two weeks, and when logging into the online account manager, for the first few days it did show "pending" transactions" under the dashboard. However the past few days, no pending transactions have…
-
Contactless card fraud cases continue to surface following MSE investigation
One woman had three cancelled contactless cards used by fraudsters while others have also reported being targeted...Read the full story: 'Contactless card fraud cases continue to surface following MSE investigation' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all…
-
How many credit cards do you have?
Hello, I'm looking to apply for a 0% spending credit card, I'm moving in the new year and want to use it for a couple of purchases for the new flat. I have a Barclays credit card (which I've had for about 7 years) which I currently use for spending and pay off in full every month and a halifax clarity card for holiday…
-
How to find out Balance transfer limit?
Hello I see the Tesco is offering 24 month no fee 0% balance transfer. I have £8k on MBNA card. So how it works. Will I be able to transfer all the £8k from Tesco to MBNA to payoff the balance once my application is approved? How can I be sure of that? never done it before. I have very good credit score.
-
Lloyds Everyday Offers Waitrose 10% cashback
If you have this offer be aware that if you use your card in the Waitrose supermarket situated in the basement of John Lewis in Bluewater shopping centre it will be billed as John Lewis Food Hall and you will NOT get the 10% cashback.
-
Credit Builder Credit Cards
I am in a unique position. I have a credit rating of 490 which is higher than the average. But I am self employed on a small erratic income, so I can't get a big name credit card. I was thinking of getting a credit builder card. 1) Will this harm my credit rating? They are generally only used by people with bad credit…
-
Capital one credit card
Hey everyone Need some advice from any of you. My partner applied for a credit card with Capital One back in September. He was approved with a limit of £250 on the basis he sent proof of where he lived. He never sent proof of address as managed to reopen an old account. However, last week he received a credit card from…
-
MBNA payment rules
First time post here . . . Anyway, I have a large amount owed on a MBNA credit card, and want to pay off more than half of that in one go - however on the MBNA website I have only two options: 1. Pay amount in full. 2. Pay minimum amount. I want to pay off more than half, then a set amount. Anyone else have dealings with…
-
Amex everyday cashback
I'm coming to the end of the year with the above, so will get my £100 plus a bit and then drop down to 0.5% and have to ensure the £3k spend. I did the same about two years ago with the card and then cancelled because the cashback rate wasn't great and the minimum spend was a concern. Looking at the mse guide it states…
-
Vanquis Contactless Cards
Just noticed on the Vanquis website as I was about to log in that they now offer contactless cards. Called up and within 2 mins I now have a new contactless card on it's way :j
-
help please :(
Hello everyone I am need of a bit of help and not sure which forum to post this in so please move it wrong! basically I purchased a 'personalised' clutch bag from L.R.M goods as a Christmas gift online, with my credit card. I paid for for extra letters even though that should have been free, but that isn't the main…
-
Best cards for Airmiles
Does anyone know what are the best cards for Airmiles please and does any one have any tips to collect Airmiles ? thank you
-
Tsb advance card
TSB ADVANCE CREDIT CARD..MSE Advise to pay off in full to avoid interest charges, but watch out for this one as after three months you will still be charged between 15.5 to 16% APR even if you do pay off your purchases in full each month !!! The T & Cs do not make this clear and one thinks it is on interest to purchases…
