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TSB Platinum Credit Card - monthly cashback not paid?
Hi, I use the TSB 0% Platinum card for the 1% monthly cashback, and it's normally paid around the 7th or 8th but no sign of it yet this month. Has anyone else ever had this problem, and should I contact them to ask about it? I don't think the offer has ended yet as I've only had the card for six months or so. Thank you in…
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CC Company Liability for refund for pre-order item (Lily Drone) paid on CC in 2015
Hi Everyone, I pre-ordered a Lily Cam drone in May 2015 for 500USD (around 300GBP at the time). Since that point the product has been delayed again and again but due to how the marketing and development updates went I stuck with it and didn't ask for a refund as did many thousands of others. Yesterday the company sent an…
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refund
ok here goes. i paid amazon for a laptop pc £378.44 my credit card company said they paid this to amazon who then deducted/retained 7% + (approx £28) then passed remaining onto the seller. If I had paid an amount/portion/deposit to anyone else I would be covered for the whole amount so I understand. Why is this any…
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Balance Transfer - No interest with fee or low interest no fee
I have around £2k on a zero interest card which ends next month. I have a second card I intend to transfer the balance to. They offer either zero interest with a 3.5% fee, or 5.6℅ interest with no fee. I plan to pay back over 10 months so I think the no fee option would be best. Looking for a second opinion, or a…
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Beware 0% tesco bank offer nov-dec 2016 if you usually pay balance in full
BEWARE 0% TESCO BANK OFFER NOV-DEC 2016 IF YOU USUALLY PAY BALANCE IN FULL Misleading offer - Tesco Bank offered 0% interest on purchases until March 2017 at Tesco from 1st November to 31st December 2016. On January's statement, I got charged interest. Very misleading offer as apparently unless the balance was paid in full…
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Barclays/Apple rejection - how long to wait until applying again?
Hi All Four months ago I applied for an iPhone under Apple's new iPhone programme (provided by Barclays finance,) but was rejected as I hadn't realised my new address wasn't yet on the electoral roll. I thought my credit score was excellent, however it turned out my recent change of address coupled with the fact I wasn't…
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Recurring Credit Card Charge has affected my Credit Rating!
Hello, I am looking for some advice on a problem I have, Its a bit complicated but I will try to make it short. I had an insurance policy with Budget Insurance for a year and when my insurance was time to renew, I searched for the cheapest policy on a comparison website. The cheapest was the Post Office, so I paid them the…
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New 0% offers for existing customers
Hi there, I currently have a Barclaycard CC which I originally took out on a 0% BT deal a couple of years ago. I have since paid off what I owed at 0% but recently something happened and I had to use it and I am now paying 16.9% interest. They regularly send me offers of new 0% BT deals and I have spoken to them today to…
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Halifax or Sainsburys 0% no fee balance transfer?
Hi,looking to transfer a £5000 M&S credit card debt. Have used Halifax before and cleared a debt,account now closed. They have 26 months 0%,but 49% of people will be offered 13 months. Never used Sainsburys,anyone any idea who would be best or who would give a higher limit? Thanks in advance
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Aquacard and credit rating
About six months ago I got a basic aquacard and was accepted with a few hundred quid limit. My aim is to build up my credit score. After four months they upped the limit to a grand. Somebody said to me that as Aquacard is designed for people with low credit ratings, and thus has a high APR, that it can actually negatively…
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Applications to 0% balence transfers, limits and credit rating
Hi I does anyone one know if you can apply for a 0% balance transfer card to find out what credit limit they will offer, to allow you to shop around before applying? For example I have £8000 on a credit card which is also collecting allot of interest. I filled in the application for a 0% card, it did the online credit…
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Avios Master or Visa Credit Card (CC)
Hi, Looking for Master or Visa Avios CC with no annual fee. Currently have BA Amex but not accepted by all retailers. Any recommendations?
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Change billing address when move house?
I've finally got round to updating my credit cards with my change of address. Will payments using the old address be rejected? I obviously plan to update my billing address but am wondering what will happen if I miss one (there are so many!).
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how to get balance transfer for credit card limit
Hi Can you help! I am trying to transfer my credit cards to 0% balance transfer. My problem is every time i apply the limit is much lower than i require! my current card is £4000 and i have another at £2000 but how do i get a 0% balance transfer for both amounts? is this not possible? thanks in advance
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Barclaycard soft search 'cannot find information' - tho agencies can?
Hi I'm new to the forums and have tried to search for this issue but can't find it - sorry if it's a repeat question! After finally getting into stable employment and paying off a huge whack of my CC debt with a PPI payment, I find my credit 'score' (yeah, I know) has hugely improved (no missed payments for 20 months,…
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Would s75 be applicable here?
I purchased a bed from a company called bedshed.com, about 6 months after using the bed, the slats in the frame broke on one side, just from sitting on it. I called the company bensons 4 beds (who bought out bedshed) and they sent someone to fix the bed. A few days later, the same thing happened. Clearly this was a…
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Bad News for MBNA Credit Card Holders
British bank Lloyds has bought Bank of America's UK credit card division MBNA for £1.9 billion (the deal remains subject to approval by the regulator). Lloyds is the bank that had to be rescued in 2008 by the British government with £20billion of state money during the global financial crisis. Having witnessed Lloyds Bank…
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Trying to get a balance transfer, the CC called but hung up when I answered. Why??
I haven't done this before so I'm confused. I applied online, they gave me a provisional limit (pretty much covers the balance for the old card), said they would get in touch as they needed to do some checks. They called today but hung up on me a couple of seconds after I answered the call and they didn't call again. Is…
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Credit Card->Overdraft->Money Transfer?
Hi Forum, Long term fan, very rare poster. Over the last few years I've had kids, got a new job and made a bit of a stretch on the new mortgage deal (to shorten the term). I have a budget and we're generally doing well (staying level or better), but for a number of reason we have an overdraft that reaches ~£5k before…
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Barclaycard Direct Debit Issues
Hi, I'm a new Barclaycard customer having transferred a balance in November. I set up a Direct Debit payment, had all the usual confirmations and thought all was fine. Payment was taken as expected, then boom - direct debit returned - the transaction marked as 'Returned Direct Debit'. I was initially told I'd cancelled it…
