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Valuing AMEX points?
Hi all, This is something that has confused me for so long and has resulted in me just accumulating points as I have not dared spend them in case I mess up the value. I have read all of the blogs and they tend to aim for 1.5p per point on redemptions and sometimes get better but this seems to be based on the full cash cost…
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Chargeback/Section 75 - Holiday Inn
Myself and several other people had reservations booked with a Holiday Inn over the Easter weekend for an event that was cancelled due to Covid. IHG advertised quite clearly that reservations booked before a certain date for stays during the period of closure would be eligible for cancellation and refund, so once we knew…
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Payments on cards post successful PPI claim
Hi I had a successful PPI claim a few years ago on an old credit card.. I wonder could someone let me know if I should still be paying monthly amounts of money on this (there was an outstanding balance) I have emailed their customer service team but I can only give them the reference which shows on my bank statements. May…
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Chargeback and tefund
Hi I had a visa dispute that was successful On a cancelled holiday And had the money back. I now have Tui trying to refund me. Has anyone else been in this situation and what do I do? Take the money and sort it with visa or just tell Tui I’ve done a chargeback? Thanks
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Is this a new type of Fraud?
On the 30th of March I purchased a Samsung Galaxy Tab A Tablet from this website: https://ismartmobileshop.com/ - it turned out to be a bogus website. It no longer exists. I have a screen copy of the purchase. I have never received the Galaxy Tab A Tablet. As part of the purchase, the bogus website took my credit card…
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Aqua now supports Apple Pay
Aqua have recently updated their app to allow you to add your Aqua Card to Apple Pay via the App itself.Im not sure if this means they will start releasing this to other NewDay card variants (Amazon etc.) but I guess it’s been a long time coming.
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Chargeback
Hi everyone I bought a used engine for one of my vehicles off ebay and paid using my business credit card, however on fitting it was found to be faulty by my mechanics. I contacted the seller and arranged collection and contacted the credit card company (Lloyds) to claim the money back and was originally recredited to my…
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Given a low limit on credit, should I apply for another one?
Hi, I’ve just put a deposit down on a campervan and was looking to fund the rest of the campervan by part 0% interest credit card, and the rest cash as this seems the cheapest way not having to pay as much interest (just a 0.8% surcharge fee). I’ve applied for the M&S 0% interest credit card (20 months), been accepted but…
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Attempted CC fraud through apple.com/bill
Had two texts at work today regarding suspicious activity regarding apple.com/bill. So through my phone app as not sure if genuine texts I locked all my bank cards with NatWest. Then I had a missed phone call but we're not supposed to use phones on the shop floor for personal calls. So contacted the bank tonight and they…
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Section 75 Advice
Hi, Can I get some opinions please? I bought a Iphone + contract from buymobiles.net in Dec 2018. The upfront payment I paid on my Amex and the contract monthly payment had to be via DD from my bank. The phone has gone faulty, in that contactless and NFC no longer work. It always seemed a bit intermittent, but now fails…
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Flights to USA in Oct-20, paid on credit card, do I loose my s75 rights if accept voucher?
Hi, in Dec-19 I booked flights only for a holiday in Florida for me and my family, paying in full on my credit card. As it stands the children would not be able to take extra time off school if they needed to quarantine. Because of the uncertainty We would like to move the holiday back a year, if the airline allows this…
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Updated - please see latest post // Section 75 - no correspondence and amount more than requested
Hi - please see my latest post at the bottom for latest development - 50 days after Mastercard chargeback, the gym has directly contacted me saying I am in arrears - not sure how to proceed! TLDR; I submitted a section 75 for a portion of pre paid gym membership to cover lockdown period but got refunded the full cost. What…
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Credit limits
Hi I have one credit card with a credit limit which I have increased over the years to ~£15k. I only use upto £3k of this credit monthly and pay off in full every month. I increased my credit limit so much incase I were ever to make a large purchase(a car for example), as there were associated rewards with the credit card.…
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Question on 0% purchase card - M&S Bank – 20 months 0%
I've always used CC's, but always 0% balance transfer ones to shift reducing debt around. We are currently looking at a few larger purchases over the next 6 months for the home, and I saw the above M&S card (20 months 0% on purchases) recommended on here. do the purchases need to be made within a set time to qualify for…
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Barclaycard - change to different card process
I have a Barclaycard platinum visa, but i want the reward card instead for the 0% foreign charges. Does anyone know the process on how to do the product transfer?
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Capital One - Lost/Stolen Card cannot be reported
Hi Interesting one this. I have lost my Capital One Credit card and I can't report it lost/stolen. Via the phone number for lost and stolen cards on the website, the recorded message tells you to log into the App or if you can't access the App hold for 1hr for an agent. When you select 2 to wait, the message says "We are…
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How quickly do closed credit cards settle on credit reports?
Paid off 0% balance transfer cards and now waiting for them to appear as such on the credit reports. Checking credit karma weekly and nothing there yet. I was hoping it would be instant, but the balances there are a couple of months out of date as well. I wonder if it all got slower due to covid. How quickly do accounts…
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Bank transfer of excess credit from refund without incurring fee with Lloyds
My cancelled holiday refund has put my Lloyds credit card in excess credit well above my limit. I will not be spending this amount anytime soon and would prefer to have it back in my current account also with Lloyds. The bank transfer option says there is a fee to do this just as with a balance transfer although in the…
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Low FEE balance transfer
I've tried searching for a low fee balance transfer card but all the search criteria seem to focus on length of 0% deal rather than the transfer fee. Is anyone aware of any credit cards currently offering fee free or low fee transfers as have a balance to transfer but can repay it in full in about 4 months so the fee is…
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Credit card without 3 years residency and good credit score
I've been wondering if you can get a credit card without 3 years residency in the UK. I've got a good credit score on Experian and Credit Karma. I've also did a soft check on an Ocean card on Amazon and got a 100% approval chance, but I was wondering if that's possible at all given I don't have the 3y residency. Do you…