Credit cards

Archives for May 2020

Paying mortgage with credit card
Hi, Wondering if anyone has tried making additional payment using a credit card Natwest Mortgage. Does it shows as a cash pyamnrt or a purchase transaction? Thanks
American Express in the UK
Hi,I had an American Express (Amex) card 6 or 7 years ago and I found it quite hard to make use of it, at least in the UK.I also noted at the time that even online some websites would not accept them and airlines would charge me extra for using an Amex. Those of you with American Express cards, do you have any issues when…
S75 on Cancelled Villa Plus Booking
Hi all, I booked a Villa in Spain for myself and 7 family members which we were meant to be at a couple of weeks ago. Obviously due to COVID-19 we were unable to go and Villa Plus, the company we booked through, have cancelled the booking and said we are not entitled to a refund as the Villa was not booked as part of a…
Problem Logging into Virgin Money Credit Card
do's anyone know of any issue with Virgin Money Credit card online logging in as put my login details password etc but it wont let me in as I want to pay my monthly amount that I normally pay and its just not letting me in as i dont want to charged interest ive also tried the app and that's got the same problems too any…
Would s75 protect me?
If i paid for a wedding in full this year via CC, would I be protected under section 75 in the event the venue went bust if my wedding isn't for 365 days ? Before its asked, I have to pay this year inline with our contract but the wedding has been delayed by a year due to pregnancy
Holiday deposit Payment
Hi, I paid for my holiday deposit using my credit card in August 2019 last year for a holiday in July 2020. After much discussion I have deferred the holiday until next year and the travel company are retaining my deposit. Its a special trip for our 30th wedding anniversary and its a sizeable sum. 1) If the travel company…
Do any cards pay interest when in credit?
I remember years ago I had a credit card that paid interest if you went into a positive balance. Are there any cards that do this now?
Kitchen purchase
We ordered a new kitchen on Thursday and had intended to pay the deposit by credit card, to afford us some protection. However, as I don’t use my credit card frequently, the transaction would not go through and we had to pay using BACS instead. I would feel more confortable paying with a credit card as we’ve paid £6K to…
Credit score - clearscore
Hi , hello... I'm new to this credit score thing. i was told by my barclays bank that i should get one to get the best deal for a mortgage, so after a quick search set on clearscore. I am looking at the result , 481 . is it good / bad ? I am looking on youtube people saying , oh get over 800, my scale only goes up to 700…
Closing/cancelling a credit card and how best clear debt
My daughter has a credit card which she has not used since Oct 2019. She has a £1300 balance @ 30%. She cannot get a low % balance transfer card longer than 6mths by using the various calculators. Is there a way or any templates to ask the credit company if they would freeze the debt and cancel the card, then pay off the…
Positive credit card money transfer to current account
Hello. I'm hoping you will be able to help me more than the Halifax website/app and staff have. Following a refund from Expedia I'm almost £1000 in credit on my Halifax mastercard. I went on to do a money transfer into my current account and there were 2 options - Pay a fee roughly £38 and no interest or pay interest and…
Section 75
Hi all, looking for some advice. I have a holiday booked which may or may not go ahead. The whole balance so far has been paid on my credit card. Should the holiday be cancelled and not go ahead, will section 75 cover my partners half as well, or does she need to make a payment on her credit card just to ensure she is…
Another amex card for more offers
I have a platinum cashback card and like the offers on the app. If I get another card (say the basic one) will I get different offers, or do you ever get the same offers on both, do you can take advantage twice? I would get some kind of reward card but I've only had the plat card a year so won't be able to take advantage…
MBNA ambiguous about monthly minimum payment on website
Am considering making an application to MBNA for a 0% balance transfer card. Although I will be making more than the minimum repayment every month, there may be an occasion when I need to make the minimum payment instead. All their website says is: The minimum payment we ask for is charged on a monthly basis and will be…
Short CreditCard Validity?
Hello all, Hoping you can help as i'm a bit confused. I reported my two Tesco creditcards as lost last month and they have re-issued them, one with 1 year validity and the other with only three months? Why so short expiry dates? Will they send me a new card after? Thanks
Missed payment on a credit card I had paid off
Hello, Wondering if anybody has experience of challenging a missed payment in this situation: I have a credit card which over the last 15 months I've worked really hard on paying off. At the end of March, I finally did just that, and I was thrilled. This morning I logged on and saw a balance of -£14. I had cut the card up…
Credit card debt - parent card HELP
I ask for judgement free help here. I am in a mess and I'm desperate to avoid dragging my parents into it seeing as my dad is now retired and my mum is soon to be (a few years to go). I have several debts fe years ago (did the wrong thing, then buried my head in the sand). Then had a accident (non fault) which resulted in…
0% on Purchases
Just a quickie or two... 1. My new credit card is 0% on purchases for the first 60 days, lasting 20 months. If I spent £200 (randomly chosen amount) within those 60 days, and then another £200 after the 60 days, paid £200 off of the first statement after the the 60 days, how would it know which £200 I was paying? I'd…
Cant consolidate Cards Help!
Hi I'm new on here so go gently.:-) not even sure if in the right place - sorry mods. I have three cards that have built up over time trying to pay car repairs, Bill's etc - usual living costs, with my and my other half income the debt would be affordable if consolidated, as it is I'm paying over £300 a month and nothing…
Aqua credit card interest charge
I recently paid my credit card balance in full which was over £1000, my statement date was the 26th April and I paid the full amount on the 6th of May. Today I got a new statement saying I owed 9p interest. Now I know that's not alot but my question is will I get charged this again next month or is it a one off. When I…

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