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Understanding 0% interest on balance transfers with 0% interest on purchases offer
Hi Guys, I’m after some clarification and help! I have recently transferred an outstanding credit card balance of £4000 to a 0% interest credit card for 33 months (Barclays). The credit card is also offering 0% interest on purchases for 6 months. My question is.... I have spent about £700 with this offer and hoping to have…
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Paying off credit card after death
My father died 4 days ago. His Santander credit card was always paid off in full by a monthly direct debit from his TSB current account. That current account has now been frozen. Today the latest credit card statement for him came showing that he owes £55 (due for payment by Oct 17th) Presumably the usual direct debit…
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Grounds for Chargeback Claim?
I don’t know if the rules allow me to post names of companies and individuals? I’ve read many on other posts so I’m assuming yes? No doubt I’ll be deleted If not. I have a question about making a credit card chargeback claim. My husband and I rented a luxury villa – Portal Hills Villa or Villa Portals Hills - via Kay Perry…
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FairFX Euro card Warning
I have used a FairFx travel card all over the world for at least 10 years and at first there were many benefits, customer support used to be great. This August I loaded all my holiday money onto it, received no hint of any problem and headed off to the Far East (as I have many times in the past). However when I arrived I…
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Balance transfer
Wanting to do a balance transfer from a Vanquis card at 0%. Just completed an online application for a Sainsbury card only to find that they do not do transfers to Vanquis. Can you point me in the right direction for companies that will do 0% balances to a Vanquis so that I can compare without wasting lots of time doing an…
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Want credit card for balance transfer & clearing overdraft
Hi, I'm wanting to get a credit card to transfer over a balance on an existing credit card I'm paying interest on as well as clearing my current overdraft, that I'm also paying charges for. What would be my best option here? is there a card that does both, or would i just have to choose the best single option? thanks in…
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MBNA credit limit increase and promotional 0% card purchase
Hi, I got a question about my MBNA card. Currently I have a promotional 0% card purchase upto March 2020, and at the time of application, my credit limit was £10,000. However, recently, MBNA has decided to increase my credit limit to £14,000, and my question is that whether the promotional 0% card purchase will be…
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Aqua Application Shambles
Im having allsorts of problems with Aqua. Letter dated 12th Sept : 1st Letter saying approved and post back signature Letter dated 13th Sept : 2nd Letter saying declined Sent Signature back 14th Sept Letter dated 15th Sept : 3rd Letter saying approved and post back signature Letter dated 17th Sept: call call centre, say…
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The Royal Bank Credit Card by RBS, now with 0 foreign transactions fee
I have received the information through the mailbox yesterday and was not aware of this before, so No foreign transaction fees must be a new feature. Being a Mastercard it adds up to the list of suitable card for foreign spending without the added benefits like no ATM foreign withdrawal fee like the Halifax Clarity or…
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£2.75m a day stolen by fraudsters - MSE News
Scammers stole more than £500 million from UK bank customers in the first half of 2018, the equivalent of around £2.75 million a day...Read the full story: '£2.75m a day stolen by fraudsters' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Nationwide Credit Card Credit Limit Problem
Hi All - I need to make a £6000 purchase at the end of this week but my credit limit on my Reward Credit Card is just over £3000. If I were to pay £3000 into my credit card in advance would this allow the £6000 purchase to be charged as I would have £3000 sitting waiting to be used plus my credit limit?
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M&S Credit Card statement-Which transactions are accruing interest?
Just downloaded M&S credit card statement. It's showing an estimated interest amount of £13.13 (for next month). See below: How do I work out which transaction(s) are accruing interest? I'd be inclined to settle these transactions (debts) immediately.
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Halifax Persistent Debt
Hello, I've read the threads on persistent debt but I'm confused as to whether the persistent debit applies here. A Halifax card with a balance £3k and interest rate of 6% means we're paying off at around £45 pcm including £15 of interest (approx). Its just been on the minimum for around 8 years (1%+Interest) Do the…
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Referring Sainsbury's Bank to the FOS
I have experienced a failure on the part of Sainsbury's Bank to perform a DD on the credit card I have with them. In fact every monthly DD since June. Each time after worrying about whether it will work or not, I've had to make a direct payment. I have their letter dated May 31st confirming the details and the DD has been…
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Just be able to amend the existing DD?
1. I have a credit card with MBNA, used purely for a balance transfer. I'm currently paying the minimum. I'd like to pay a fixed amount of more than this, but have been told the only way is to set up a standing order in addition to the DD. This seems over-complicated. Surely I should just be able to amend the existing DD?…
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Ppi
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Credit card double charge
Hi I was recently on holiday in Italy and I came to pay for our lunch bill at a restaurant. I went to the cash desk and paid with a Visa credit card, and entered the PIN. After I entered the PIN the waitress realised that the machine had run out of paper and couldn't get a print out. I followed her to find another roll of…
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Credit Card Claim
Hi! First of all, apologies if this is the wrong sub-topic - I have looked through and couldn't see one I felt was relevant. I filed a dispute for a transaction on my credit card, due to a flight being cancelled and the airline going into liquidation. My credit card company have written to me and asked for me to supply…
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Business Owner - Our rights in relation to a fradulant transaction made to our company
Hello, I am a business owner. We received a phone call from RBS Fraud Dept this morning informing us that a credit card payment that we had taken back in July was fraudulent, as the correct cardholder had been in touch to report suspicious activity. The payment was for just over £2500, and the goods were sent to the…
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Existing Barclaycard customer about to clear balance
Hi all, I would appreciate some help. I am about to receive a lump sum to pay off some debt on my journey to zero debt. I have looked at a number of strategies, the smallest to largest looks the best. I have a full balance on Barclaycard and I am thinking of paying off that card as it would free up credit. I am hoping they…
