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Estimated Interest
Hi. I put a large purchase through my credit card and let the balance stay on it over the statement end period. I usually clear it beforehand to ensure the statement balance is always zero, but didn't this time. It's cleared now, though. I think most (all?) credit cards have a 56 day interest free period, but my statement…
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Post Office Credit Card Due Date
My Post Office Credit Card Due Date is tomorrow, 12/03 I usually pay (minimum as 0%) quite a bit in advance but was in France last week so it slid a little and I made the payment at 2:28PM on Saturday 09/03 "Payments made before 6pm are processed on the same day. Payments made after 6pm are processed the next day." Being a…
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Section 75 claim on range cooker held in storage
I'm seeking advice on a Section 75 claim that's reached a stalemate with Lloyds Bank Credit Card Services as I have no proof the range cooker we bought was held in storage by the vendor. Details of the transaction are as follows: - 2 separate credit card payments made for the full price in May 2016 amounting to £1500…
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Quick chargeback question
I paid my water bill last week by credit card (0% for 20 months). Water company are saying it isn't showing on my account, despite it being shown as a pending payment online, and me having a payment reference number. I paid it over the phone on an automated payment line. IF things don't get resolved this week, could I ask…
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Sainsbury's Credit card account 'under review', please help.
Good morning, I’m really hoping you can offer me some advice as we are at a bit of a loss as to what to do next. My girlfriend I have been saving and are now ready to apply for a mortgage. Each month we log in to are credit card accounts to check that the account is OK as we now have the balances at zero. My girlfriend…
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Turned down for Santander credit card after PPI claim
Hi, I've been turned down for a Santander balance transfer credit card. I've never been turned down for a credit card before and using the credit card club I have a score of 999, the only thing I can think of is I recently did a Debenhams PPI claim which was handled by Santander - could this be the reason? Also, now…
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PayPal Credit
What CRA does PayPal credit show up on? On your credit report is PayPal credit a credit card or an other account? Many thanks!
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Credit card for one off purchase
DH and I don't have separate bank accounts, but for some reason I can't remember, we have two shared credit cards. He gets the statements and I pay for my purchases. All good. I want to pay for a secret holiday for his milestone birthday. It will cost around £5k. I have that in my bank account (thanks, Martin :money: ) but…
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MBNA changes?
I'm sure I have already read about this but damned if I can find which thread its on grrr. Have MBNA recently stopped accepting B/T,s from other peoples cards? When I say other peoples cards I mainly mean my wife's. I never put myself in a position where I NEED a B/T but I don't like the idea I may have lost that option.…
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ATM fraud - currency card institution playing funny !!!!!!s
Hello to you all. I hope you can give me some guidance on recent troubles I am having against a holiday currency card company. I am a single female in my thirties currently backpacking South East Asia - it is a once in a lifetime trip. I had hard currency and also 1K on a travel currency card when I left the UK six weeks…
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Credit card over payment
Hi I have not been managing a credit card particularly well. 15 months ago I closed a credit card account but forgot to cancel standing order. logged into the account for the first time since today and realised I had a large amount of credit following 15 months of payment. Rang the bank and they have transferred money…
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Signing up to a balance transfer card at 0% for 48months
Hi All, I have had a aqua credit card for a few months now which I took out to rebuild my credit score. Following a limit increase my credit score did indeed improve dramatically and its now excellent. I have some cards available to me (Thanks to MSE CreditClub for the info) that are 0% interest over 48 months and of a…
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Juggling so many cards - which one first?
I have too many cards, too much debt and am ready to attack it. I have £12k on an MBNA card, £6k on a Barclay card, £6k on a Halifax card and £10k on a Nationwide card. I pay off ridiculous interest each month and am getting nowhere - around 21% interest on all four cards. I have just managed to get a 0% card for 36 months…
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Credit Card Fraud Incident GoDaddy Netherlands
Just a heads up on an incident of CC fraud I caught today. Card used was 2 years out of date, and had not been used by me for about 30 months. I had a txt message to mobile today from bank asking me to pay £5 immediately for charges on the account. So I called and asked what for. 2 transactions had appeared on the account…
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Recommend a VISA rewards card?
I'm trying to find a rewards card that is VISA (reason being I don't have a VISA card at the moment and I think it could be prudent to carry one as well as mastercard (just in case). Cant seem to find any rewards cards that are VISA? Am I just being stupid or aren't they any? Seems Tandem, Aqua, M&S, John Lewis, ASDA,…
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Best BT deal as an existing customer?
Hi, I will soon be able to pay off in one go one of my many credit cards. But which one (once paid off) will most likely offer the best (long term) BT deal? I have balances very close to the limit on the following cards with APR's ranging from 11.9% to 28% 2 MBNA's 3 Barclaycard's 1 Lloyds Thanks for your help. Ed
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AQUA card. Please help
Hi everyone! Been working really hard to improve my credit score post bankruptcy (5yrs). I have a credit card quite a few years now which limit was £1,500. I clear the limit before the end of every month. After an expensive Christmas they reduced the limit to £1000. They said it would return to normal balance soon but was…
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Assets collections CCJ
Hi I’m looking for advise I toke a loan out with avent credit few years back and ended up in Financial difficulty and fell behind on payments. They passed my loan over to a debit company which only contacted me by email which ended up in junk which I didn’t realise they have passed my debit on to tm legal They had been…
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Curve card cash withdrawals
Anyone else struggling with cash withdrawals from a curve card? I know since the changes last autumn, charges are likely to be added where the underlying card is a credit card, but more recently I have found attempts to withdraw cash when the underlying card is a debit card are unsuccessful at the cash machine. Certainly…
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Suppleementary Card KYC
My partner has had a supplementary Barclaycard on my account for years but recently we had to cancel her cards. A new Amex card arrived within days but Barclaycard send a Know Your Customer demand before it would issue a new one. We sent off copies of her passport and driving license as requested but they have rejected her…
