-
Barclaycard being declined for obscure reasons
I've had a Barclaycard cashback card for several years now, it's always worked fine. A couple of months ago, I started work in a new town and when I came to check in to my hotel, the £20 pre-authorisation was declined. I called BC and was told it was declined because the CVV number had been entered incorrectly. However,…
-
Balance Transfer Query
So I transferred the balance on my current credit card as the 0% finishes soon. Just 100 to clear before the end of July. My question is do I close this card down when the balance is zero or keep it live? I remember Martin saying something about not closing oldest cards down as previous credit can’t be proved but surely…
-
Baffled by 0%cards
I'm looking to get a credit building credit card and have used the tool this site provides to find a couple that seem like they fit the bill. I'm just confused as to the way the 0% for 3 months works (as offered on two of the cards). The cards both say that this offer is for 3 months from the point the card is received and…
-
Purchasing Gift Cards with a Credit Card
Hello I checked my credit card statement and discovered a 'Cash Fee' for a transaction when I used my Credit Card to purchase a Gift Card. It would appear that my Mastercard (issued by NatWest) now applies this additional fee when purchasing any type of Gift Card. The fee of £0.30 was applied when purchasing a Starbucks…
-
Credit Score
Hi, I am after a little advice, my current situation is not great with cards, I keep dipping in month on month as things always come up that are out of budget for example last month Tyre blow out £117, I know I need a fund but at the minute everything is so tight. I am in MSE Credit club Balance not with mortgage -…
-
Minimum time before balance transfer?
Hi All, Apologies if i'm in the wrong place. I wanted to ask if anybody is aware of a minimum time before a balance can be transferred? The reason I ask is I have a purchase I would like to make but the best offer I could get was for 0% on a balance transfer but no offer on purchases. Would I be able to make the purchase…
-
Stolen Nectar Points
First, apologies for the choice of board. It's the closest one I could find, but Mods feel free to move it if there's a more appropriate one I overlooked. Short Version: What are the cutomer's rights when it comes to loyalty points? What stops the scheme operator just taking them unfairly off the customer? Long…
-
Balance transfer onto wrong credit card
I have 2 Tesco credit cards, one (card A) with a large debit on it and one I just use for day-to-day spending (card B) that is paid in full each month. I was carrying out a balance transfer from Tesco to MBNA i.e. I was transferring the debt from card A to MBNA. However I gave MBNA the card details for Card B by mistake. I…
-
Post deleted
Post deleted.
-
Money Transfer from existing card
Hi, I have an existing credit card with Lloyds, they are offering me a money transfer offer of 0% for 15 months. I was wondering if taking a money transfer on an existing card, is better for your credit file/rating than taking out the same money transfer with another lender by taking out a new card? Or is the difference…
-
Cashback Credit Card
Hi, I have a credit card with a low credit limit and it provides cashback. I use it for normal spending. But I've reached the credit limit. I just thought about this - would it be possible to manually clear off the credit card debt back ot zero and then if I spend money again on the credit card to earn more cashback?…
-
Only have EUR, balances are GBP
Take a £10k Barclaycard balance. What would be the best way to pay this off from an oversees current account with foreign currency? Transferring first to a UK current account would incur a fee and very, very poor FX rates.
-
Full and final offer to clear credit cards
Hi, I was made redundant last week but I was fortunate to start a new job on roughly the same money straight away. Having been there 18 years I'm getting about £10k in redundancy. Unfortunately I've got about £25k in credit card debts. While a holiday and some home improvements are attractive they're also stupid when I owe…
-
Curve cash withdrawals being blocked for me
Anyone else having cash transaction problems with curve? I always take out the max £200 cash each month and charge to my HSBC reward mastercard. However, it seem the issuer (HSBC) is able to detect and block these, as happened twice this morning. Did not appear to be declined; just "there was a problem" and "insufficient…
-
Experiences paying Amex (slightly) late
I own a small business. I regularly use my Amex Platinum charge card for business expenses and have been doing so for about 3 years. Never had a problem. Recently, we've had several customers dragging their heels paying us. None of them are insolvent or unwilling to pay, it's a mix of people being on holiday etc. I have…
-
how best to pay off balance on card/s?
hello all, i have 2 cards that are within 90% of their limits and am in a position to pay off a large chunk. Would it be better to show on my credit file to pay off one completely and leave the other near its limit or share it between both cards to bring them under 50% of limit? ive got a remortgage coming up end of…
-
Sainsburys Travel card
BEWARE!! I was persuaded to not take 450 Euros cash on holiday but to deposit it in Sainsburys Cash Card. I have used it twice in ATMs in Madeira withdrawing 400 Euros I have 18 Euros left in my account I have been charged 32 Euros in commissions. I should have been able to access my cash easily with no commissions. Insane…
-
Halifax "Phantom Over Limit" Shenanigans
I thought it might be useful to share this incident with my Halifax Clarity card: May 25th: 1. Make payment to Halifax card from Halifax bank account by faster payments. 2. Wait a couple of hours for payment to appear on available credit. 3. Make cash withdrawal that takes me close to (but still within) credit limit. May…
-
AA Credit card unable to transfer balance
I am currently having a nightmare trying to transfer a balance off an AA credit card! I tried Capital one first and they said they were unable to transfer a balance off an AA card as the bin range was not on their system. I therefore agreed to close the card and have my credit history reset. I then took a CC out with HSBC…
-
Visa ok now
Media reporting that after the hardware break down suffered by Visa today it is now back up and running again.
