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Cut up credit card but want to return item
Hi All Wonder if anyone has been in a similar situation before? I purchased a couple of items from Zara and at the time thought oh I'll just put them on my credit card, then last week decided to cut my credit card up not thinking anything of the recent items I'd bought. Now I'd like to return the items and I'm not sure…
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Section 75 Refund advice on Ebay Purchase
Hi, So I purchased a brand new laptop for about £1000 from Ebay in March 2018 but it has now stopped working completely, and I have not damaged it at al so I'm assuming it is defective. I purchased this with my credit card- Barclaycard. The seller will not reply to my messages or email. So I'm thinking should I contact my…
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All alone and struggling
My husband died suddenly on Tuesday and I'm trying to sort things out. He has a credit card in his name only. Will I be responsible for clearing the debt? Thank you.
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0% balance transfer credit card to pay debts
Hi all, knew to this forum and just looking for some general advice and do’s and dont’s. I owe money to a couple of “store credits” around £500 between 3 stores. Due to my earnings I’m struggling to pay large amounts off to each lender, so making minimum payments to each but obviously it’s not really cleaning it and I’m…
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Paypal Credit to pay for something outside ebay?
Hi, I have agreed to buy some music equipment and the seller wants paypal payment. I'm buying with a group of 4 of us. I am the only one lacking funds and am trying to use the only available credit to me (no cards) paypal credit. It appears I cannot send money for a purchase to the vendor using paypal credit. Is the only…
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Help with a 0% credit card?
Hello, wondering if someone in the know can help. I have been trying to build my credit rating recently and managed to get to a better place. I have just applied and received a 0% interest balance transfer credit card. Could someone help.me with the following. In the terms of my 35 month 0% it states "Once your 0% term has…
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Should I close my credit card accounts?
Ive got some accounts gathering dust, they have high credit levles that can be useful if i needed major money, right now, so always left them open I originally got them as they are credit builders - iv now got 0% coming out of my ears so they arent needed but kept them as a backup to my Amex if it wasnt accepted. Vanquis…
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Faster payment to m&s
Hi, I took out some foreign currency yesterday on and m&s MasterCard (yes I know I can use ATMs at the airport but because I’m remote I wanted some cash this time). I’ve tried to make a faster payment yesterday and today but it’s bouncing back within a few minutes. Is this because it’s not showing on my account yet and…
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Credit card not accepted
I paid the deposit on my daughter's wedding venue today (£500) and wanted to pay by credit card to a) to get some protection and b) to get the cc rewards. The venue said they don't accept cc's for advance bookings (they accept them for meals, hotel rooms etc.) and when I explained why I wanted to use the cc as opposed to a…
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Credit card interest
I took out a 36 month 0% interest money transfer credit card from virgin money. I then made a purchase which I knew attracted interest so I paid off the purchase balance but I am still paying interest. I have spoken to virgin who said I will continue to pay interest until the entire balance is paid off. I understood that…
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Can merchants refund to a cancelled credit card?
I paid £200 by Visa for access to an online bitcoin trading platform. I had a phone call from their agent, who wanted to guide me through the use of the platform. During the chat, he mentioned "stop loss". I asked whether that included "trailing stops". He seemed to think that these two stops are the same thing. Yes,…
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Test post #2: please ignore it and then forget it
As a new poster, I submitted my first post about 4 hours ago. This is my seond post, and is simply an attempt to clear the blockage. The title of my first post might have vaguely resembled "Can merchants refund to a cancelled credit card?" Thanks.
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New Day Verification Standards
I am not easy about the application process, so I am sharing it in hope someone tells me it is OK. I decided to apply for an Amazon card as I recently started to use Amazon more often. I completed application, was accepted, and got an email asking me to submit a copy of my ID and an address confirmation. Then the life got…
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Card to build credit rating quickest
Hello folks, my first post so please go easy on me! In 2014 I was a fraud victim with EE sending me a bill for a phone contract £299 that I had never requested nor got the phone for. I quickly reported to EE and after 3 months of being shuttled around their useless customer service, I stopped calling them as they would…
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Amex "Shop Small" e-mail - but no cashback?
Just had a "Shop Small" e-mail from Amex, but no mention of the cashback that normally accompanies the promotion during the run-up to the festive period. Be a shame of that's not on the cards!
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Curve just screwed themselves over
https://blog.imaginecurve.com/introduction-of-new-technology-for-transaction-processing So much for free CC ATM withdrawals.... and so nice of them to give us notice (oh wait, they didn't!) I hope they reverse this decision ASAP.
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ROP VANQUIS Refund
Hello I have contacted Vanquis over my partners old credit card. He used to have ROP on this until I have cancelled it. So we know we are entitled to some refund back from Vanquis over ROP interest charged. We have initally contacted Vanquis over this on February and then once again when we moved address in May. In May…
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2 x Credit Cards 4k
Hi All, After a little help, I have two credit cards with approx 4k (2 on each) i want to consolidate them into one to pay off quicker and hopefully get 0%. My Experian score is 987, just looking for a little advice on what to do and how to go about it, clueless at this sort of thing. Thank you in advance. Chris
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Barclaycard offer
The wife just received a letter from Barclaycard. Take a Barclaycard, get 0% for 17 months on balance transfers, 0% balance transfer fee and £20 cash back for transferring at least £2000. Apply before 10th November so, as she's not carrying a balance on any of her cards, she'd better get spending. :D
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Balance transfer options confusing me, help!
Hi I want to do a 0% balance transfer of 10k to a credit card. I earn 26k. I'm selling my home at the moment and expect it to sell within next couple of months - they go quickly where I live, so I'll be clearing the card balance - I only need this facility for a 3-4 months. I've gone onto every comparison site and even…
