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Advice
Hi I have a debenhams credit card which i have nearly maxed out. I normally clear it in full each month but over the past two months i've had some unexpected costs which have resulted in my money going to other commitments. So instead of clearing it , i now have to pay it of in a few months; I want to go onto a 0% Free…
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website for credit cards
Hi Im sure when i was on here before I saw a website that you entered your credit cards into that would tell you what card to pay of first and now i cant find it - can anyone help with that?
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M&S Cashback Giveaway
Just got a letter from M&S Bank today - actually looked like junk mail and I almost threw it away - saying that if I spend £400 between now and the end of the year I'll get £10 cashback. Nice one! I hardly ever use the card, but I will be making sure I get the 400 spent on it now. Look out for it!
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Aqua/Capital One or Halifax?
Hi, I don’t know too much about credit cards so any advice would be great. Basically I’m a student with limited credit history, I used the eligibility checker on this site and I’ve got a 95% rating for an Aqua or Capital One card with 0% on purchases for 6 and 4 months respectively. I checked other purchase cards for…
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Tesco - Chargeback
I received a call and a text from Tesco on 11.10 saying that my Monarch claim had been successful (I sent as S75 but they processed as chargeback). Does anyone know how long it should take for the refund as I still haven't received it? This is the text I received - Your dispute has been processed and refunded to your…
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Credit Card limit automated increse
Hi All, I have been contacted by a company stating credit card companies are paying back to customers if their credit limit was automatically raised without consent. Is this correct as I am unable to find any details regarding this which leaves me suspicious?
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0% CC - Missed Payment
Hi, Unsure if anyone can or is able to offer friendly advice. I have a 0% CC with the terms stating a late payment and the 0% is gone. Short story - I missed a payment date by 1 days and have subsequently lost the 0%. This is the first time I have missed the payment date since having the card (1 year). Is there much hope…
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Should I cancel hardly-used Capital One card
Hi I am trying to figure out what is the best way to get a large credit limit when I apply for a new credit card. I have various cards that I acquired about 10 yrs ago, when the lenders seemed very keen to issue them with high limits. (I was self-employed & earning quite a lot at the time, which helped obviously) I have a…
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Bank charges cash fee for online credit card transaction
Hi, I used XYZ (a large UK based international money transfer firm) to send money to a foreign bank account. The payment options I had on the XYZ screen were bank transfer (free), debit card (20p fee) and credit card (30p fee). It didn't say on that screen that the credit card transaction would be reported as a cash…
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Section 75 question
I have a query regarding section 75 In Dec 16 my girlfriend and I purchased a Car, I paid £1K on my credit card for the deposit, the car came with an 18 month warranty supplied by a 3rd party warranty company. Just recently the car developed a problem, we attempted to claim with the warranty company but found they have…
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Can a bank loan be switched to a 0% card?
Hi all, I have £6k remaining on an Ikano bank loan at 3.3% interest, and am wondering if its possible to get a 0% credit card and switch the balance? Sorry if this appears a stupid question - I'm a novice at switching debt, though my credit rating is good and I'm confident of getting approval on a card.
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Sainsbury's 1,000 nectar points every £35 spend question
The Sainsbury's credit card deal currently offers 1,000 points (£5) on up to 10 transactions during the first couple of months when £35 or more is spent in Sainsbury's. I tend to do smaller shops so would be interested to know if anyone can confirm buying a £35 gift card would trigger the points. Thanks
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Virgin CC
Hi, My other half applied for Virgin CC and received a letter a stating "nearly there - we just need to confirm proof of id and address to make a decision". Wondering if anyone else received that letter and what was the decision after that? Will they accept photocopy of passport or driving license. Thanks MS
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Fairfx currency cards - applying "card management fees" in error
I have a Fairfx currency card (EUR) which does not expire until 2018. A while back they introduced a new charge for "expired" cards: Introduction of an administration fee of £2/$3/€2.50 per month for expired cards with leftover balances. This reflects costs we are charged for cards that expire without having balances…
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0% expires 31st Dec, apply early December?
I have a Virgin card with about £5k balance that comes to the end of its 0% offer on 31st December, I'm away til 4th December so am i leaving it too late to find another CC with a 0% BT offer if i apply after 5th December? Thank you in advance
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Big Spend protection
Hi all, I am after some advice, I will be spending £5000 on Air Fares for a big family holiday next year. I have the funds already so there is no issue there, however I want to ensure that I have my payment protected under section 75. My credit limit at the moment is not sufficent to cover the purchase. Can I pay the £5000…
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RBS reject monarch claim
As the title says, rbs have rejected my monarch claim. I paid £500 for an outbound flight next year for 6 people in full on my credit card. On the say of the collapse I phoned the bank and was advised to fill in the online claim form which I did. Today I received the following message from RBS We have received your dispute…
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Sainsbury's application - Technical issues
I've recently been looking at getting a new 0% Purchase credit card and after looking into all the details I decided to apply for the Sainsbury's card. Around a week or so ago I made an application via the website, going through all the pages only to get a message at the end mentioning something about technical issues, and…
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Interest Free Credit Card Question
Hi everyone, Just a question I'm hoping for a bit of guidance on, so any comments much appreciated in advance. Some background: I've had a good experience purchasing a bed on interest free credit. The money was in the bank to pay it up front, but I thought - why hand it all over if they are offering the facility to pay…
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Asda discount credit card
Just to get it off my chest, I have a perfect credit rating, was moving from the Coop and had an Asda card. Decided to use this card as a main credit card, tried to uplift the credit limit from (only)£300 and was refused..... presumably 'creation' who administer the card do not want people who pay the balance monthly. Of…
