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Amazon Credit card installment plans for Amazon.co.uk purchases
Something i haven't seen mention on here and i wasn't aware of it before i've just noticed that when i purchase products over a total value of £100 on the Amazon website it brings up an interest free installment plan option mine says 12 month they don't earn amazon points though. This is only available with Newdays Amazon…
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NatWest to no longer issue Visa Credit Cards?
I have just received a letter from NatWest to tell me they are no longer offering Visa credit cards, and will replace mine with a Mastercard. Does anyone know why this is, I have had it for decades, and already have a Mastercard from another bank, so have no desire to lose the flexibility of having some alternative means…
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Anyone recently applied for M&S 0% Card
Straight forward application? Curious to what average limits are looking like. Thanks.
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Credit Card Cheque/cash from 0% card
Hello all. If I were to take out a zero percent credit card (such as M&S bank), rather than using it to buy any item, can I somehow get cash from the card? I want to use a zero percent cc to buy a car for my Daughter so she can pay it back monthly over the zero percent 20 month term (as if it were a zero percent loan in…
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Top up card for father with Alzheimers
My father has just been diagnosed with Alzheimers and vascular dementia and Lloyds bank aren't being very helpful. The HQ telephone POA dept said I could open up an account for dad, load money onto it and stop him having access to the other near £70k that's in his current account and on an ISA. They said to open an account…
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Balance Transfer
is it worth transferring £1200 to 0.00 for 27 months 2.99 fee from a/c with lifetime rate of 0.4775% per month? I will be Ble to pay this off over 27 months. THANK you
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Credit Cards - adding 15 year old daughter on my card
Hi does anyone know which credit cards allow minors (under 18) to be added on to existing cards as authorised users ? I have American Express with cards each for both me and my partner and wanted to add my 15 year old daughter on but they won't as they have to be 18!
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Credit card advice
Hi there, first time poster. I have been spending a good bit of time over the past few months on here, and I am seeking some advice on credit card debt. I am not expecting a definite answer to my query more of an idea if I am doing the right thing. I have a barclaycard which I am paying interest on at the moment. the…
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What to do when interest free period ends on CC?
My credit card has an interest-free period which ends in October. I'm unsure what the best action to take is after this point. Should I close that credit card account completely before applying for a different card elsewhere? What if the same bank is offering a different card now, with a different offer, can I just ask…
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Negative Flying Club points due to holiday refund
Hi all I’ve searched the forum and can’t find this anywhere. Like many people, I had a Virgin Holiday that was cancelled due to COVID-19. I paid on my Virgin Money, Virgin Atlantic credit card to get extra points. Eventually the holiday was refunded and I have just realised that I have not earnt any miles on my credit card…
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Capital One interest calculations
Hi, Trying to figure out how capital one determine how much interest to charge. I normally pay off the full balance but last month due to mix up with payroll I wasn’t able to pay it all off in time. The amount of interest they’ve added seems rather high to me and I was wondering if they’ve charged me interest on the full…
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Double refund
My credit card company gave me a chargeback/section 75 refund for a transaction I disputed (hotel cancelled cos of Covid) happy days... 2 months later the travel company also gave me a refund meaning I’ve gotten the refund twice essentially, what do I do?
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Pending transactions
Just a question I need a bit of advice on. Is there a time period credit cards have to accept payment for a product? I rented a car in June and July and payments were taken from my credit card and shown as pending, they then dropped off and were never claimed. Car went back 2 weeks ago and today I had both payments for…
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Section 75 - to claim cancellation fee
Hi, I was due to travel to Orlando in March for a family holiday to Disney. We booked our park tickets, flights, Villa, Car hire etc all separately. Due to Covid restrictions and FCO the flights were cancelled and parks were closed, so we were unable to travel. We eventually managed to get full refunds for car hire &…
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Cashback Credit Cards vs Debit Cards
Hello, I have the American Express Platinum Cashback Everyday Card and have been using it for the past 6 years. Last year I got around £80 cashback from it. However, I am a spender and I feel my spending recently has been getting out of control. I’m thinking using a debit card might be better for me in terms of trying to…
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Credit Card unauthorised transactions/fraud
Hello, My grandmother was charged £250 and £200 in April and May by a company called Premier Protect 365, she has no recollection of such company and has not signed up for any of their services. We contacted M&S bank to raise a dispute and they issued new credit card, account number and a new PIN. They advised they would…
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I have been paying my credit card at £200 a month for £6500 over 5 years and still owe the same
Hi Newbie here, I got a credit card out for my business in 2013 and used it to buy up to £6500 over 2 years paying some off as I went. I stopped using it and I have been paying it off at £200 a month since 2015; I did have to put £400 on it at one point, but I still however near enough owe the same amount, I have paid…
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refund to credit card
After trying for several months St.Giles Hotel London has replied about a refund for a booking they had cancelled. They say due to moving to a new portal since my payment was made they will need the following details : my phone number, card type, expiry date of card, a print screen of payment made from a bank statement and…
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Tesco Credit Card - Contactless but constant declines/checks
Just wondering if this is just me. Had a Tesco credit card for years but haven't really used it much for the past few, since the cashback went rubbish. Had been on Asda but thats now closed so decided to go back to the Tesco for my everyday uses. Its contactless.. but every (seems like) 10 or so transactions it will force…
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Credit Card - Initial Offers & Right To Be Forgotten
Hi, I'm sure you're all very familiar with those initial offers such as Virgin Money and MBNA offer for cash advances for up to 21 months at 0% APR with just an initial fee. I've noticed you never see these offers again no matter how well you maintain your account or how time passes. So I was thinking can you use the right…
