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Charges on incredit credit card
I had a refund back on to a Debenhams credit card, which means I'm now in credit with them by £1000. I want to withdraw this cash, as I rarely use my credit card Will I be charged for withdrawing my own money on this card? TIA
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Not mine?
Please move to appropriate thread if I posted in the wrong one. My mam moved out from my house over 2 years ago and all her credit cards are registered here, it's gotten to the point that she has so many letters here that I have opened them all. I told her when she moved out to change her address. She hasn't done this and…
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Credit card refund foreign currency
Hello I am currently awaiting a refund for our holiday which we paid using Halifax clarity credit card (0 foreign exchange fee). Original Payment was made in dollars and the conversion done by the card. Once the refund has been processed (refund will be processed by holiday company in dollars) will we receive the full…
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Refund and credit card interest
Hi all, It's been a while since I've frequented the forums but I'm just looking for advice about interest charged on a credit card. In February, we booked a holiday with TUI for August. Upon adding it to the calendar, we realised it clashed with a family commitment so we cancelled the holiday on the same day it was booked.…
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Sainsburys Credit Card - Nectar Card
Hi. Just a quick question as I'm pretty sure the phone lines will be very busy I've been a nectar card holder for 4 months & need to apply for a credit card. But on the application for a Sainsbury's Credit card it says I 'should" be a nectar card holder for at least 6 months Should I not bother applying or is there a…
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Best Cashback/Reward & No Foreign Fee Credit Card?
Hi there, I'm looking for the best credit card, which offers the following; 1) No "ownership fee" (i.e. - no set monthly/yearly fee, for owning the credit card) 2) Cashback offer, for every purchase (ideally as cashback on the statement, though a gift card will do, if it's a widely usable one - e.g. Amazon/supermarkets) 3)…
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Nationwide credit card but got couple of defaults?
I'm unable to get a NW members credit card now as been declined. I have 2 dafaults that drop off my credit report in 2 years, do you think I stand a better chance to reapply in 2 years and likely be offered the members card? I currently have Vanquis credit card and £1000 overdraft with NW. Been managing my finances well…
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Capital one
Does anybody have an email for Capital one? I can’t seem to contact them through the app and the phone lines are to busy.
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Citi credit card PPI
Hi, Has anyone had any issues with citi cards and missold PPI claims. I am currently having an ongoing problem with this company, as they keep sending my letters stating I missed the PPI deadline. I have proof that this is incorrect as I sent my claim via MYPPIREFUND at the beginning of August last year. This also included…
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Daylight Robbery
Without my knowledge Capital One credited my account with a Plevin PPI refund and then promptly withdrew it. Because my account had shown a credit payment my monthly direct debit which should have cleared the account was not taken. Because of that my account went into overdraft and I will now get a £12 penalty charge.…
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Annual Statements
Just received annual statement from NatWest. The total spend and total amount paid figures do not equal. There's a difference of over £1,500! We settle balances promptly and all charges are zero so why is there a difference?
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Another PayPal Credit rant - this time about the so-called payment holiday
It would seem that PayPal Credit are finally offering a 3 month payment holiday, however it is not automatic - you have to contact them. The problem is that you can't get hold of them as the phone number has been removed and the only option is messaging them. The PayPal virtual agent response is: PayPal Virtual Agent11:18…
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Section 75 for refunding the charges on a flight cancellation?
Evening all, Another CV19 related question... I booked my wife flights for a trip to the US over the Easter weekend, this was understandably cancelled. The flights were located via a screensaver type site, with the booking made via an online travel agent. They have offered to refund me or keep the money in credit with Aer…
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Closing Multiple Cards
Hi, I recently secured a debt consolidation loan, so have paid off my existing cards which had mounted up. I now have 7 cards sat not being used. It is my intention to keep the oldest one to assist with my credit rating, but what should I do with the other 6? I have read it can be detrimental to my credit rating to close…
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Store card protection (Oasis and Warehouse)
I have store cards for Oasis and Warehouse, both of which are provided by Ikano bank. With Oasis and Warehouse falling into administration, and now looking for a buyer, I wanted to know what my rights are for orders on these cards. I'm reluctant to order from either of them now, but I know if one has a sale my wife will…
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Moved: When to start travel insurance or section 75 claim?
This discussion has been moved.
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Balance transfer - limits of card
Hi everybody I am looking to get my first balance transfer card to help ease some costs during these uncertain times. I currently have a balance of £4000 on my AMEX which I can continue to pay off @ approx £500pcm but that costs me about £80 in interest each month. Do balance transfer cards automatically give you a high…
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PayPal Credit rant
I used PayPal Credit for some purchases taking advantage of 0% interest for 4 months offers. I made repayments every month and all was going well. Then I made a classical mistake - not reading the small print, too good to be true and all that. I made a bigger purchase, I bought a sofa on 18 monthly installments with…
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Who is at fault my bank or credit card supplier?
Nationwide Credit Card wrote to me at the start of the year saying as I hadn’t used it in a while, they were going to cancel it. I like to have a few cards with little or no balance for stoozing, emergencies etc etc. So I used it for a small transaction just to keep it activated. I also went into my DD setup and made sure…
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Money Transfers & Credit File
Are lenders able to distinguish money transfers on your file? And, if so, are they viewed negatively in any way like cash advances? Ta :smiley:
