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Help please with credit cards.
Hi I'm just wanting to make sure im 100% clear on the terminology before I go ahead and sort something out. My wife and I are wanting to buy a couple of items valued at £400 each on our personal credit cards (We cant afford to put them both on 1) E.g Cards A & B. Im looking at getting the Sainsburys balance transfer 0%…
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Fraudulent transaction on credit card.
Hi all, I'm sooo annoyed that I had to have a moan on here!::( 10th December I got a call from my bank to say that there had been a few transactions on my credit card that they had declined. I agreed that the attempts to use my card details were nothing to do with me so the bank put a stop on my credit card and issued me…
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Money transfer rather than use the card?
I recently got a new mbna card to do a BT with and have over half the balance of the card left over. It also has a money transfer offer for 0% for 6 months. So this might be a silly question, but does that mean I'd be better using money transfer and not spending on the card? (Don't actually intend to us it, but if I did…
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Register to vote and applying for a credit card
Hi, I'm a private tenant who moved to a new property in Nov 2017. I've changed the address of my main bank accounts to my new address but still have some accounts that I rarely use at my previous address (my parents). I'm looking to apply for a credit card and I understand that voter registration affects your chances of…
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Synchrony Bank Wal-Mart credit card services
Hi there. Has anyone had emails from Synchrony Bank or WMCC Services? I am receiving them like i am a customer and they are mentioning a name that is very similar to mine. Can't decide if it's a scam or a mistake and wonder if i should email them. Any ideas? Thanks.
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Barclays partner finance query
Hi, I am looking to settle a HP agreement with barclays partner finance is the terms are not particularly favourable. I have taken out a 30 month 0% credit card to do this. I have called barclays and they state they accept payments by CC, however there is a 1.5% charge, which still leaves me better off. Does anyone know if…
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American Express Gold - Supplementary Card
Hey all, i got the amex gold card and intend on using it for the next year to get my avios points. it says i can add 1 supplementary card for free and that we share the points. i asked my dad if he wanted to get a supplementary card and he agreed. my question is two-fold 1) do all the membership points we earn go to 1 big…
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Section 75 question
Evening all I'm looking at making a large purchase using the 0% interest rate offered by the retailer (i believe the finance company is Creation Consumer Finance). My question is this: I don't need to but, if i was to pay a deposit using my credit card and the balance financed, am i protected by section 75? Cheers
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Cap one ppi
Received final response letter on the 11 Nov 2017 stating that complaint had been upheld and I would receive £2000 + waited for children to arrive but it never did. then receive letter on 22 Dec 2017 stating that cap 1 had made a mistake and that I would now receive £519 as it as taken them 6 weeks to notify me of there…
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Live in a different city to bank where the card is registered to
Hi all. Just a quick query. I've been using Clear Score and my credit rating is very good but it says it could be improved by using a credit card. I don't need a credit card but I appreciate that it would be good to further improve my credit rating. However... I live in Cardiff and my registered bank is Leamington Spa…
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Monarch Expedia section 75
Hi, I bought and paid for a holiday through expedia for £1102.80 on 1st August 17. Flying with Monarch airlines and staying at a hotel in tenerife. I paid with my TSB Platinum credit card. When Monarch went down, I tried to find alternative flights out to fit the same dates but couldn't manage it. So I made a claim under…
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company van & company car
Hi I am a director of a company and i purchased a company van last year, i am now thinking of getting a company car. Are there any rules in doing this as i have the van already? Man thanks
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Mattress purchased by credit card
I purchased a bed mattress by credit card and that after using it only once found I was having problems with it being to firm and causing discomfort . When I first saw the display mattress in the shop I tried it and it seemed ok but when the mattress I purchased arrived I found that the mattress was to firm despite having…
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What cashback/reward card? We need to be able to download transactions in excel
Hello I am looking for some advice. We are currently using a capital one credit card for Day to Day transactions as it was previously a good cashback Card (although the cashback % has been slashed since we got the card!) We keep track of our finances and plan our budget using a spreadsheet and update ‘actual’ spend by…
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TSB 40 month 0% interest card
Hi I'm just looking to see if anyone can help me with some information. In March of 2016 I took out a credit card with TSB under the impression that it was 0% interest for 40 months - does anyone remember this being advertised through the money matters website as we are sure that this is where we were given the…
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I am confused by Santander Zero's exchange rate
I usually use my Nationwide credit card when going abroad, but after constantly hearing about Santander Zero & Halifax Clarity card both being free to use got the Santander Zero. Having used it both in Europe & most recently USA, on getting my credit card statements I have found the currency conversion rate for the…
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Barclaycard v Nationwide
Hi everybody, I was wondering if anyone had any thoughts on the following. I recently conducted two balance transfers one to MBNA and one to Barclaycard for the same amount 0% interest for fixed period etc. Minimum payment to MBNA is circa £80.00 but to Barclaycard is £208.00. On reading the Barclaycard Statement I am on…
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Lowering monthly payout?
Hi all, I currently have an Aqua classic card which I'm living off and paying in full at the end of every month. Paying this and having finances to pay each month is a big hit on my salary. What I want to do is pay off all my finances and not use the aqua card anymore. I'm thinking to get a Money transfer card on 0% and…
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Sainsburys Bank Credit Card
Hi Guys, Quick few about Sainsbury's; 1) No contactless, Apple or Android Pay? 2) Online banking seems a bit bare bones, no mobile apps either? 3) How do you check your promotional offers/interest without calling up? Is it on a statement or anything?
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Sibling credit card debt at parents address
Hi, My sister has lived abroad for several years now. A while back she asked my mum if she could get some post directed to my mum's address so she could pick it up when she visited. Unbeknownst to my mum, my sister had opened a credit card on the address (in her own name, not my mum's). After a recent visit from my sister,…
