Credit cards

Archives for November 2018

Identity Fraud issue
JL informed me someone tried to apply with them but it got flagged on their system and reported to CIFAS. A week later a random letter from another firm I've never dealt with or know of called cashplus about a mastercard I know nothing about / informing me it will be cancelled by January. I never applied for one. It's a…
Advice to pay off credit card a bit quicker
Hi, I was just after a bit of beginner's advice please. 2 credit cards, one with £850 and one with £900 balance on, with high interest of 34%. Min repayment on each is £30 and currently paying £75 each.... don't have enough money to pay them off in full however, could pay up to a max of £1,000, but need the £1,000 back in…
Do Capital One have an email address? (Proof of ID on longstanding account)
Hi all, I got married and changed my address recently. I've had a Capital One credit card since 2011. I destroyed the card and hadn't been using it except to make some payments to it, but I wanted to use it for a Christmas purchase. So I called their Customer Services in order to order a new card and, after changing my…
Credit Card for use abroad
Hi I am looking for some help regarding a credit card I can use worldwide which will not charge me a transaction fee for every non GBP transaction I make. Also if possible is there a way to limit how much one loses in exchange rate fees e.g. some cards might offer zero transaction fee and make it up by giving you a…
JL Partnership Card - 'Technical fault'
Hello I'm wondering if anyone else has run into an issue with a 'technical fault' on their John Lewis Partnership Card which has disabled the ability to login online much less use the card for any transactions. I know this was an issue a couple of years ago when JL Partnership was updating their software or some such…
Virgin money
Hi sorry if this is the wrong place to post . I have a virgin money credit card and I owe about £900 my interest fee period has just ended and I’m now paying £14 a month interest which im struggling to pay . Would I be better with a balance transfer fee card
Balance Transfer meaning; Definition of "BALANCE"
I have £18,000 facility on my Credit Card. I have only spent £1,000 out of it, so i can still spend £17,000. If I want to do Balance Transfer from this credit card to another credit card that has 0% interest , how much will be able to transfer? the £1,000 that i have spent? the £17,000 i haven't spent? or the whole £18,000?
Section 75
Hi I'm new to this forum and hope somebody can help me. I got scammed by an online internet trading fraud. The company involved are called Plusoption.com. I lost £35000 in deposits I made to my "trading account" and paid into with credit and debit cards. All went well until I tried to withdraw funds and Plusoption.com…
Interest Question
If I have a credit card on 0% interest and then after 12 months it is 18.9% APR say. Does that mean if I spend £20 in July - Then if I don't pay the whole £20 in August I will be charged: 1 - 18.9% on top of the £20 2 - 18.9% of £20 divided by 12 3 - £20
Vanquis underhand tactics
Couple of weeks back i called Vanquis and asked to settle my balance and close the card...dont need or want it,serves no purpose. Lady went through security and yes thank you balance now clear and we will close this account,however its urgent we speak to you regards your second account. Alarm bells started ringing as only…
Loan balance transfer to 0% credit card
Does anyone know of a lender that offers 0% credit cards from a transfer of a current loan please? £20000 to transfer, may need to have 4 separate cards unless there is a lender with high limits. Thanks
Section 75 help.
I am claiming for a faulty mobile phone.My cc provider have asked for an independent report on letterhead. I have been to 8 or 9 phone repair shops but none have been able to help. One large phone shop advised me that I have to contact Motorola direct with faults and that only Motorola will repair their phones.I was told…
Amex BA Premium Plus bonus offers
Hi all, I currently have an Amex Platinum Cashback but am interested to switch to this. Can I do it without going through a full new customer registration? My current Amex card I get loads of great offers for additional cash back, i.e. spend £100 at Selfridges get £30 back, spend £20 at Amazon get £5 back. These pop up a…
virgin credit card acceptance
So I went through MSE to find an interest free spending credit card I opted for Virgin money, did the checker and got 100% pre approved, where it stated point blank I will be accepted instantly if I apply now........so I applied and then it said 7 to ten days for a decision. Has this happened to anyone else? I am worried…
Sainsburys Card applications
I tried to apply for a Sainsbury's zero fee transfer card and was offered just 20 months with 28.9% APR after last week. I declined that offer. Today I applied for a normal card (0% on purchases) and was offered 2 months, again at 28.9% after the period. Again I declined. What could be going on. I'm over 50, I own my house…
When does Barclaycard Offers refresh?
Hey all, does anyone know when barclaycard update offers on your card? Is it only updated when your new bill is produced or can offers be updated at any random time? Just had my latest statement produced and i have no offers although i cleared my bal in full, two months ago i had offers 0% till 2020! I tried to call them…
One Time Passcode for Credit Cards
I live in Cornwall where there is no mobile phone signal. Only use a John Lewis Credit Card. Being asked when checking out a transaction for a One Time Pass-code which is sent by John Lewis to you by text!!! No phone signal! Rang them 4 times this morning to try and get a code. Does anyone know of another way of getting a…
Monthly interest charge
I thought I had cleared my Tesco credit card and accidentally overpaid a little, when I last logged into the account it said £180 in credit. As it was in credit I purchased something for £177. This was early in the month. I have just logged into the account and it shows a balance of £400 In the interest summary box it’s…
Amex Complaint advise
Just looking for a little advise regarding the Amex Platinum Charge Card. I've had it for a year or two and have had a few issues, Amex put incorrect information regarding it's Hertz benefits on its website (I need to check the welcoming pack if I can find it). The website now states the benefits are* Up to 15% discount…
Why are some cards direct debits not taken?
When Tesco ended their savings accounts allowing payments in via D/D i switched mine to credit cards to generate interest on some current accounts. Some months though i've missed out because a D/D wasn't taken and i'm wondering why this is. For example... One cards D/D date is in and about the 8th of the month. Let's take…

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