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Negotiating a settlement figure
Hi, just wondered if anyone had been successful in negotiating a settlement figure with their credit card company? I have £4000 on a credit card with Halifax which is coming to the end of the 0% period. I need to be a bit careful with money due to corona so wondered if i might be able to negotiate to pay a lower amount to…
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Credit Card Refund and Direct Debit
My statement balance due was £250 and I got a refund of £2250 so I phoned Nationwide to get the £2250 paid into my bank account. I was told that I would only get £2000 paid into my bank account and there would be no direct debit taken that month. Is this correct as I need the direct debit to be taken from my bank account…
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Visa rewards card (cashback or avios)
Why am I struggling to find such a thing? I only have MasterCard's and Amex and thought it might be safe to get a VISA card on the off chance something happened to MasterCard and I couldn't use it. Obviously I want a rewards card of sorts. Cashback ideally but avios would be ok. but can't find one?? Am I being blind? Loads…
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A day late
I have just paid my credit card off and it’s a day late. It was due 27th April. The days are getting blurred together. Anyways I am due to get mortage funds released from another bank. Can this affect that. I really don’t want a late payment marker . First time in a long time I’ve been late payment.
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Cancelling a holiday
Hello, I booked a holiday through Teletext. My mother is the lead passenger but I used my credit card to pay her first instalment. They will not discuss anything with me now because I am not the lead passenger. I do not want to pay the rest of the money for the holiday. Can I stop them taking out the money on the due date
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CCJ
Hi, I have a ccj outstanding and due to being on benefits I have never paid as I dont earn enough and have no assets. I have received inheritance will I have to declare my ccj and clear my debts.thanks
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Can anyone help me track down a mystery charge on my CC.
Hi all. I am turning to the community to see if anyone can shed light on a current charge on our credit card that we are failing to track down. On the 5th of march a £45 payment was taken from my wife's credit card on our joint Sainsburys account. The description was simply listed as "N TYNESIDE AIP". My wife has no…
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Problem with paying Halifax Credit card and no way of contacting Halifax
This is probably nothing but I recently had to put about £1500 worth of goods on my Halifax Credit card which I havent used for three years.. All went through fine. I went to pay it off yesterday from my Halifax current account, went into "pay credit card" in online banking and put in the exact amount. The full amount…
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Adding M&S Bank credit card to Google pay
Hi everyone - anybody had problems adding their M&S Bank card to Google Pay? When I set it up previously all was fine, but I got a new phone and credit card and needed to readd, which now doesn't work. Google Pay asks me to call my Bank for verification along with a number. The number they give is currently not in use by…
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Anyone noticed the tightening of credit?
Quite interesting. I didn't have much in the way of credit in the 2008 crash, so this is the first time I have seen credit tighten up. For example, all of my balance transfer offers have now gone. Even my Barclaycard platinum transfer offer, which is always available. Thankfully I don't need them, but it's interesting to…
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Credit card juggling
Hi can anyone help or give me any advice? My current situation is that my credit rating on Experian is 999 for the second consecutive month but sometimes fluctuates, but always remains as excellent. I earn £210,000 a year before tax, my wife earns £30,000 a year. Of £42,500 I have available on varius credit cards I have a…
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Coronavirus - Pay CC settlement figure ?
Hello. Lost job due to coronavirus & going to struggling to pay credit card debts in the near future. My parents have offered to help out & can give me a small lump sum - I’ve spoken to lenders and all have agreed a 3 month break, but I worry that if the lockdown is in for 6-9 months I’m unable to get a job, so after the…
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Credit card payment holidays, when do applications close?
Hi, I know marks and spencer & tesco are giving you till July to apply for payment holiday, just in case your circumstances change. Are most providers doing this?
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Section 75 Claim Nationwide
Hi, bit of a long shot but hoping someone can help me. I booked my wedding in Cyprus and paid a deposit £1700 with my nationwide credit card. I paid the wedding travel company who acted as an agent for the freedom travel group. The freedom travel group was part of thomas cook so therefore liquidated. Nationwide got back…
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Section 75 Protection - Payment Link
Dear All, Have been doing a lot of research about this but cannot get a definitive answer. Planning to make a purchase from a retailer. They are currently closed but me paying will secure the goods. I need to make full payment for the item and then collect when the store opens. I plan to pay by credit card to ensure I…
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Credit card interest
I have got my Halifax clarity card set up to pay the full balance every month so why do I get charged interest when ever I spend on it?
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Money transfer card help needed please!
I'm looking at getting a money transfer card (never had one previously) instead of a personal loan. I have a simple question that I can't seem to find the answer to online after looking for 30 minutes or so. Can you get a balance transfer card later down the line to pay off a money transfer card like you would a standard…
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Barclaycard: unexplained Limit reduction
Last week I received a letter from Barclaycard announcing that they had cut my credit card limit by £2550! The form letter just said that they may have reduced the limit due to missed or late payments or credit scores. This has confused me as I have not had missed/late payments, I’m paying over the minimum every month and…
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Balance Transfer Help!
I’m trying to transfer 75% from my MBNA cc balance to my Nationwide cc as I have 18 months at 0% but for some reason the transaction can’t be processed. I have contacted both MBNA & Nationwide and neither can tell me why this can’t be done, saying it should be able to be transferred. My Nationwide limit is £2750 and I want…
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Balance transfer
If currently have a 0% deal on purchases, if by the end of this deal I haven’t paid it off, can I then balance transfer it to a 0% card again to give me longer?
