Credit cards

Archives for March 2020

How to find out which existing card is indirectly linked to Santander or Barclaycard?
Looking for some help on moving CC. I currently have a range of accounts and cards; generally opening and moving amounts to get the best rates.I have 3 credit cards - a Virgin Money 0% balance transfer (8k balance, 9.9k limit, 24 months remaining at 0%), a Barclaycard 0% balance transfer (3.5k balance, 8.6k limit, 6 months…
Sent Application to wrong email address!
Hi, I've just applied for a balance transfer credit card with santander put all my details in including the card the payment would go from , BUT i put in my email in as .co.uk not .com so i'm worried the other party has access to my information!. I Can't get hold of any bank but i have froze my main card. What else can i…
Balance tranfers
Hi I want to do a balance transfer to clear my existing credit card. I also have credit with very.co.uk. can I transfer the debt with very to a credit card when doing the balance transfer ??? Thanks
118118money help please!
Apparently 118118 has had a data breach by hackers, they have said only affects phone calls but their systems have been taken offline for over a week. I have a card and a loan but cannot check my balance and do not know what I need to pay. This months payment has not been taken. Phones are not working, online chat only. I…
Bank closing credit card account
Hi all, I have received a letter from by bank which states after a review they have decided to close my account which will happen in 60 days from the latter date .. I would like to enquire, can the bank do this? I do have a high balance due to be paid back to bank - what happens to that? Bank has not provided any option to…
Deferring payment and credit reference agencies
During the current Coronavirus crisis, all the financial institutions from banks to mortgage companies are allowing people to defer or reduce payments, but what of the credit reference agencies? are they still recording late, missing payments etc and thus affecting peoples credit score? or are they going to allow these…
Virgin Money taking a LONG time to send Section 75 claims form
Hi, looking for advice please! Basically myself and my partner paid for orthodontist work using our credit card (£1300), the orthodontist has now gone into administration, is not replying to emails, their website has gone, we can't view the treatment plan and (just to top it off!) the treatment isn't going as expected;…
Will a refund to a card of an account that has been closed bounce back to sender
I tried to send money to the account and that wouldn’t not go through will a refund onto the Monzo card from the account bounce back to the sender
Help Please Section 75 Refunds Faulty car Not sure of my rights Re Refund? UPDATE
Hi. Just a quick update and thanks for all the advice :) I have now finally had an offer from my Mastercard Company (in settlement and acceptance/validity of my case) and it is only marginally less than what I claimed as they have deducted some monies for 'depreciation' and this was acceptable to us.Crucially we will be in…
paying o2 contract off with a credit card
i'd like to pay off my remaining device contract with o2 this comes to around 300 pounds do you think this could be done via a credit card to get points/cashback or will it be classed as a cash advance. I always pay my statements in full so normal interest isn't an issue but cash advance interest is payed from day 1 even…
Debt Collector
Hi I have sent my c c provider a letter outlining my current financial situation and made an offer of a fixed amount each month. They have written back stating they may pass this onto a debt collection agency. I suffer with PTSD and other whuch I have informed of these conditions. Can they do this? Other providers have…
Credit card refund
Can anyone help! In Jan I paid for a hotel in Amsterdam via booking.com on a post office credit card. The 0% purchases offer ended on my post office card so I closed it and transferred my balance to a barclays credit card. With COVID19 the hotel in Amsterdam has sadly shut. Booking.com have offered a full refund, however…
Beginner w/ Credit Cards / Aqua
Hi everyone. I have been doing some research on credit cards and building credit rating for the future , however I am still a bit confused with the whole concept. I am a university student with a good paying part time job and depending my income floats from 350-900 per month , without the additional SFE (Student Finance).…
Accidentally did balance transfer twice
So this week I applied for a Santander credit card to transfer over a small debt from a Barclaycard (0% interest deal running out soon and with no income I can't pay it off right now, even though I had been planning to). So I got their no fee 0% balance transfer card and received it yesterday. Went online and activated it…
Difficulty cancelling CapitalOne card, they are forcing phone contact, will letter suffice legally?
Hi, My Dad in poor health has been trying to close a Capital One card. We have tried writing to them (citing all correct security clearing details) via email, but he has been told he must call. The 3 different public facing Cap One contact numbers all hang up on us automatically when we select the 'close account' option.…
Sainsburys 0% 27 Months Purchase Card
Hi, Anyone applied for this over the last week or so....feedback? Applications processing, limits, etc? Looking for an emergency purchase card. Thanks
Capital One UK Here to Help
Like many, I have a capital One credit card. For the first time in years I have a balance, not massive but not able to be cleared with one months furloughed salary. Capital One are offering customer the opportunity to apply for a 90 day payment holiday, wherein they make no payments but there are no fees or late charges…
Refund of credit balance
I have Mastercard with Creation Finance. Due to Jet2 refunds, I am in credit by £3k. I phoned and asked or the credit balance to be transferred to my Halifax current account, from where I make the monthly payments by debit card. I pointed out to Creation that I had recently received a new Halifax bank debit card and that…
Asda gift cards and Ecodes
Appologies if this is the wrong section, but I couldnt find one suitable to gift cards. Basically I have been given a £500 voucher from my employer as a long service award, and I have to go on the vouchershopexchange web site https://www.vouchershopexchange.co.uk/ and type in the cheque number on the voucher and validation…
Sharp Practice
We were due to spend from 20 to 24 April, booked with Lastminute.com. We paid £149 deposit. Then coronavirus resulted in Murcia being in total lockdown and Ryanair cancelling flights there. We were resigned to lose our deposit. However on 23rd March £449.20 was deducted from the credit card we had paid the deposit with,…

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