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Direct debit Sainsbury’s bank and bank holiday
Hi everyone, So I pay my Sainsbury bank cc each month via direct debit. Each month it comes out on the due date no problem. My CC payment is due today (bank holiday) but the DD hasn’t come out. Does anyone know when it will likely come out? I’m also a little worried it will cause a late payment to be recorded and I will…
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Payment holiday
So I applied for a payment holiday through Barclaycard. Every month I am up to my limit (not ideal I know) so I pay the minimum, take of the interest and spend the remaining. I asked them what would happen as when interest is applied I’ll go over my limit, they basically said I need to ensure interest is paid otherwise it…
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Credit limit set to high
We have recently had a letter from Barclaycard stating that previously our credit limit was set to high. Which they understand may have influenced our financial position etc... and if we wanted to talk to them we could call. Well as its stands we have had to split the balance of that card over 2 new interest free cards to…
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Google temporary hold
I've just got a myprepaid Mastercard through my work. I made one purchase that went through fine. Tried to make another and it says 'Google temporary hold' and the payment didn't go through with the sports clothing page I was on. I have enough credit on the card so dont know why? Unable to contact anyone due to bank…
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Barclaycard interest help
Hello I’m wondering if someone could help. I have a barclaycard which has a balance of £5000 and the limit is £5200. Each month I pay more than the minimum payment (around £140). My biggest issue is that the interest is £90 so the payments are not making a dent in the overall balance. I have tried to get a 0% balance…
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Change in minimum paymente
Hi I can't locate my paperwork, i have asked the bank for a copy but wonder if anyone here knows the information in the interim please. I can currently manage my debts but worries over Covid could mean my salary reduces. My question is can banks increase the minimum payments and if so how much notice is required? (Do you…
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BA amex vs Plat amex
hi all, I currently use a BA anex and spend around 1k pcm on it, im looking at getting the £25 plat card aswell fir the cash back rewards. I see I can earn up to 125 in the first few months providing I spend 3k which I will. As I akreasy have an anex card will I be able to take advantage of this opening offer ? Also, I'm…
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Most credit cards
Who has the most? I once had 6. Aiming to get past 7...
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What if I apply for the same card I already have with a lender?
I have a Lloyds plat card with a £3.5k limit. Out of curiosity I just used their eligibilty checker and it said I was pre-approved for all of their cards with a limit of £8k. What would happen if I applied for one? Would they set another one up, or merge it with my existing one and increase the limit? Or would they just…
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0% Card eligibility refused
Hello folks, I have a 972/999 MSE Credit Club/Experian score and 98% acceptance expectation but was deemed not eligible for a 0% balance transfer/purchase card which would come in extremely handy at this time. Problem is I have 17% credit usage on 5 cards with total limit of £20.5K (strangely one card I have is not shown…
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Bank holidays pay Aqua today or from Tues
I am to make an additional payment to Aqua in addition to most recent DD. Considering rbs don't authorise debits/credits every weekend, is it best I make Aqua payment from Tues' . Only checking if Tue's is up-to speed with fastest Aqua payment time. Thanks
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Section 75 consumer credit act
Forgive me if it is within the forum, but I couldn't find the answer. I saw a post where someone mentioned it, but not anyone confirming their statement. So, if i have already paid the deposit of a family holiday via Debit Card, and now wish to pay part on a credit card, am I afforded the protection of section 75, even…
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Explain to an idiot paying C/C In full - ref credit rating
I am improving my credit rating and generally its going well. However I made a small !!!!!! up to do with paying my credit card off in full and when it updates to the credit reference agencies. I am using Vanquis. My payments are due on 6th each month. My statements are generated on either 11th or 12th of each month. This…
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Sent 2 cards for the same account
My old Debitcard is about to expire and about a month ago I was sent a new card and today I was sent another new one. The new new one is not contactless. just wondering if this is standard for Natwest to send both contactless and normal cards or if I'm suddenly not eligible? In the current climate I'd rather use…
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Can they do this?
Each month I pay Halifax CC then request to have the amount lowered, normally this is fine. However this month, I payed the minimum payment (all I can afford at the moment). Requested to have my limit lowered which takes a couple of days. (I’m guessing somebody has to check this)? My request was approved but then two days…
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Refund Flights- booked & paid with credit card
Hello, I’m really unsure how to go about getting a refund for my flights, Me and my family are due to fly on the 28th of May 2020. I’ve had an email from my flight company (Ryanair) that I am able to change my flights to a later date but I would have to pay any difference.. they haven’t suggested refund just date change…
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Revolut Metal Card
12.99 a month but you get:- 1% cash back on everything - Free trading on the stock market and 0% commission- health and travel insurance - 0% commission on foreign exchange transactions - airport loungue access Key point is the free trading and no commission but the other extras add up as well. Is this something worth…
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Closing a credit card advice
Hi all, I took out a 0% interest for 28 months credit card with the post office a couple of years ago and am close to paying it off within the 0% interest time frame. The amount on it has been an absolute !!!!!! to pay off so this is something I'm cautious of. I have read closing a card that's paid off and at 0 balance can…
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Flybe reclaim HSBC
Has anyone had success with claiming back the cost of Flybe flights from HSBC credit card? We booked flights on our HSBC credit card which I applied to get refunded on 10th March, then didn't hear anything for a week or so. I called the bank and was told the money should be refunded within 7 working days from 18th March -…
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Can you do a chargeback and a section 75?
I got stuck in New Zealand with my return flight cancelled. My insurer has said I have a valid claim, but I need to try to reclaim from the travel agent and my credit card before submitting my claim. I paid half of the flights by credit card and my credit card provider has offered a chargeback for that. They are going to…
