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Credit cards
Archives for August 2020
Discussion List
Section 75 and Worldpay
Hi there. I read a lot recently about what is covered under section 75 and I know there is a loophole when purchasing through a merchant such as PayPal etc. I have just purchased a hotel through the hotels own site but over the phone (I am told they used worldpay). I am not sure if they are classed as a third party or not.…
Billing Cycle - Capital One new user
Hi all, I recently acquired a Capital One card with the intention of paying off the balance in full every month to build a credit history. I have set up a direct debit for the 25th of each month to do this for me. However, my due date has become visible as the 28th so I am concerned the direct debit may not complete in…
Car finance
Hi there, I'm looking to buy another car soon... When I bought my current car I used an mbna credit card which had a 2 year interest free period on purchases (this is the only thing I've used the card for) and I've just been making minimum payments since then. I'm now a self employed speech and language therapist (have…
Lost parcel - rights to a refund?
Thurs 23 July - Made a £75 order online. Paid extra for next day delivery to my local Post Office Fri 24 July - Nothing is delivered. Tracking status: Sender despatching item. I leave it until Monday. Mon 27 July - Tracking status still the same. I call them up and ask where my parcel is. They apologise and refund me the…
Getting your credit card interest rates down
It happens in loans often where you see a headline rate of 2.8% APR - you apply - get approved at 13.9% APR - as you're not one of the 51 percent that qualify for the headline rate. In terms of a loan - it's fairly straightforward - you either go for it - or you don't - it's over a fixed period. In terms of credit cards, a…
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