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Can a bank reverse a balance transfer?
Hello,I recently applied for a Santander credit card with a 0% balance transfer deal and carelessly requested a balance transfer from another Santander card. Apparently a Santander>Santander transfer isn't allowed. Fair enough, my mistake.Anyway, the transfer appears to be taking place anyway. Hmm...Assuming this goes…
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Weddings & Credit Cards
Hi guys... newbie, I’m currently planning my 2022 wedding, my credit card has a limit of £300 but the deposit on our venue is £500... We’re unable to get wedding insurance due to the current coronavirus restrictions so I was looking to pay our deposit via the credit card for at least SOME protection, when reading what…
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Always Declined Credit - Help!?
Hi Everyone, A really strange one and not really sure who to ask or where to start. Hopefully someone here can point me in the right direction. I think there may be something wrong with my partner's online/financial profile. Financially, she is always denied credit or only ever offered very little amounts. The highest…
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Argos card not updated my credit record since January 2020.
Hello, I am new here, and hope I have posted on the correct part of the forum. I have an Argos card, and have had it since October 2018. I have had a few items on it, including a camera, a TV, and a couple of bits of furniture. I paid them off within 5 or 6 months. So anyway, I have had no problems with the Argos card,…
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Amex refund protection - anyone used it?
I was recently looking at getting the Amex BA Premium Plus card and noticed some of the additional features you get with Amex including the refund protection and purchase protection. The refund protection got me thinking whether anyone has actually successfully used this service before? From what I understand, it enables…
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Best way to pay
Hi, So I want to use my credit card to build better credit. I was thinking about getting a credit card setting a budget of a small manageable amount, say like £200 used it for everything and then clearing the balance every month. However, I told someone this plan and they seemed to think that this wasn’t a good idea and it…
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A question
If you have a DD set up for paying the minimum amount and you pay the difference manually to make full payment when due (be it on the same day or next for example). Will the credit card company see it as the same as full statement balance payment and not apply interest, or as something else and therefore apply interest?…
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Ineligible for money transfer card - what next?
Hi all, recently tried following this article: https://www.moneysavingexpert.com/credit-cards/money-transfers/ I tried all 3 credit cards, I tried registering with MBNA, Tesco Bank and Virgin Money and was rejected by all 3. I've got a £2,000 overdraft with Lloyds Bank I'm looking to clear. I'm earning over £20,000 a year…
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Newbie here.. Natwest Credit Cards - Which one?!
I am looking for a Credit Card to help build my credit score as it is basically non-existent. I have never had any sort of 'credit' so I believe a 'Bad-Credit Card' would suit me best. I would prefer to go with Natwest as they are who I have always banked with, but the cards they offer seem to be the following: * Balance…
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Can I do a charge back more than once for the same vendor?
Hi all, I just wanted to check something as I can't find the info online. I have disputed a transaction I made using my Visa debit card, it was for digital content, a game. I didn't receive the game so I opened a dispute with my bank and they went ahead and gave me a temporary refund based on 'goods not received'. After…
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How should I use credit card while not affecting my credit file
Hi all, I know this question might be a bit silly, but just hope you can shed some light on. Background: 4 years UK address history, got my mortgage last year, been having barclay card (£500 limit) for roughly 1.5 years. I am buying a car worths £1k, as AmEx is offering 5% cashback up to £100 for the first 3 months, I am…
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Partnership Card (John Lewis) IT problems - cards not working?
Cards aren't working for some reason - website down, as is the app.
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Anyone managed to get the 118118 money credit card?
I know this card has a high APR (34%) but this means nothing if you clear your balance every month. The main perks of the card are free cash withdrawals both at home & abroad (no forex fees) with no interest charged if full balance is paid off. So easily the best credit card for cash withdrawals both at home and abroad.…
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0% balance transfers
Hi, I have applied for a 0% balance transfer and have been accepted for 12 months which I have to do within 3 months of account opening. I was just wondering, does the 12 months 0% start once I have opened the account or from when I transfer the balance? Thank you
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Best type of credit card to pay off bank loan
Hello. I'm confused about the best type of 0% credit card to pay off a £4000 bank loan and save monthly interest rates. Do I look at money transfer or spending cards. If I take out a 0% balance transfer card can I pay off my bank loan with it and get the 0% deal. I plan to pay off the loan in full if I get an 18 month card…
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Cunard woes
This discussion was created from comments split from: Section 75 Advice.
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PRA Group
Last year I agreed a repayment plan of £45 a month on a Barclaycard debt of approx £3500. I have had a letter today saying it has been sold to PRA Group. I am in a position to continue paying the £45 a month to PRA group but my two questions are 1 - will they accept it? (I'm not able to settle in full) and 2 - should I pay…
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Section 75 Help with MBNA and Barclaycard
The
Section 75 of the Consumer Credit Act 1974 would cover me against the breach of
agreement, lack of services, and misrepresentation/mis-selling of services delivered
by merchant 7 Figures Skills. This protection with the credit card provider
would ensure recovery of money paid plus interest and further monies…
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Chargeback.
Hi i pay much money from during 120 days bur i declined. Non-delivery is chargeback please help me. İ have 40-50 payment. All is non-delivery
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Buying Currency with C/C in credit.
Good Morning All,
I have had a holiday refund, which they have repaid, onto the original payment method; a Nationwide Credit Card. I am aware, (through these threads), that if I used this Credit Card ordinarily, to purchase foreign currency, then I would be charged fees, as it would be classed as a "cash advance". As I…
