-
Daughter's debt transfer to my card
If I get a 0% credit card would it allow me to transfer my daughter's debt from another card onto it? She has been made redundant and her virgin card finishes 0% in october. Any advice would be greatly appreciated.
-
'Verified by Visa' problems when making credit card payments
Is anyone else out there having problems with 'Verified by Visa'? I hadn't been asked for my 'Verified by Visa' password to complete an online transaction for around 2 years.....it might even have been longer. Over the last 2 or 3 months, I'm finding that almost all my online transactions are requiring this verification in…
-
Transferring Overdraft Balance to 0% Credit card
I have just come to the end of the interest-free overdraft I had as part of my graduate account with Santander. I had been saving to pay off the £2000 overdraft I had with them however unfortunately lost my job due to coronavirus and am now working in a bar on at least 10K less than I was earning before. With this in mind,…
-
going credit card-less, sort of
Hi, I've been toying with the idea of not using credit cards anymore, apart from when traveling abroad and when making large purchases (to be covered by section 75). And even in these cases, the idea is to just use them, but pay them off straightaway. I have two credit cards: Barclaycard Platinum £7K limit which I use…
-
Barclaycard Payment Plan Request - even though minimum payments have been made?
Hi My mum has been contacted by BarclayCard and they have asked her to set up a payment plan. My mum has a debt of around £13K and has always paid the minimum amount off each month and sometimes even more. She has never missed a payment. BarclayCard have said that if she does not contact them they will suspend the card and…
-
They won't increase my credit limit !!!
Hi All Hope someone has an idea.Now firstly i do all of the right MSE things so no worries there.No i'm not rich but i've got plenty of cash in the bank(S), own my own house and have no debt but i don't work. Finished in 16. But i use a couple of Credit Cards as payment cards, paying off the FULL value by DD every month.…
-
Credit Score Query (Car Purchasing)
Afternoon All, I have recently been knocked back on a mortgage due my credit score not being high enough (505/700 on Credit Score). I apprecaite that lenders will have high requirments at the moment due to the uncertainity in the market but I'm now looking at ways to improve my CS for the future. My question is that I am…
-
M&S log in headache
Is anyone else having a headache logging in to M&S banking with this new digital pass? I’ve spent hours on the phone! Really puts me off even spending on the card, come on M&S sort it out!
-
Approval
Hi, just wondering if anyone has experienced this. I used the eligibility toll on this site before applying the for a 0% balance transfer credit card, picked one that the site said was 100% approved/pre-approved for so as not to effect my credit rating, applied and was refused! Which will leave a mark on my credit file. So…
-
Section 75
my barclaycard is refusing to pay a section75 claim due to tour company disputed bc now say that it will be down to visa to resolve i was under the impression that they had to pay out as any one else come up against this this dispute has been on going since march2020
-
Chargeback dispute?
Hey! Hoping someone can advise me on this one. Ordered something online back in Feb, was due to arrive in April, but it never showed up. Tried contacting the website selling it numerous times, they wouldn't respond to emails or telephone calls. Any mention of the seller online was reports of people experiencing the same…
-
Credit card
Hi. Just was wondering if I was to close an open credit card account once I've cleared the outstanding balance? I've not missed any payments and ive paid the balance off in the stated time planned.
-
ASDA/Creation card - do I need to formally close it? Affecting my credit rating
Hi I had an ASDA credit card, but when they declared the relationship with Creation was over, I decided to let it lapse (balance cleared and ASDA vouchers all spent) as I wasn't interested in keeping a creation card. Trouble is, it's still showing up on my Experian credit report and I think it is affecting me when I…
-
Santander 123 vs All in One
I have a 123 CC that is out of the 0% period. Had it for 5 years or so, has no balance but I use it for fuel/for cashback. would I be eligible for the all in one cc? Criteria says cannot already have an all in one. They’re closed at the moment so won’t apply until spoke to them, but wondered if anyone else knows? If that’s…
-
Experience: Delivery time HSBC replacements
Hi all, i really could not find a similar thread. But just wanted to hear some others. How long does it take for an HSBC replacement card to be delivered. I had mine ordered over the phone last Wednesday. Their website says: 4 days The agent ordering the card said 3-5 business days Another agent yesterday said: up to 7…
-
Emails
This may seem a silly question but does anyone have an email addy for American Express (UK)? The reason being is that my wife keeps getting mails for another person with the same email address with just a stop different. eg hers is abc123@gmail.com and the mails she gets are abc.123@gmail.com. As these emails show…
-
Continuous Payment Authority
Just been stung by Nova Direct and their refusal to cancel a continuous payment authority without levying an admin fee. A fee which they did not draw my attention to when I bought the product. And as far as I am aware I never agreed to a continuous payment authority anyway.…
-
Please help me with choosing my first credit card
Hello everyone, I've been spending a few days now reading on this forum and other places online to figure out what credit card to get, and I'm now more confused than ever. I'm sorry if my questions will seem basic, I thank you all in advance for your help! Here is my situation: I've been living happily my whole adult life…
-
Balance TRansfer & Spending
Hello, i have a credit card with 5k on it at the minute due to paying off some of my wedding whilst in lockdown, im wanting to do a balance transfer but iv reasd that these cards are poor if spending on them which even thought i dont want to its more of a little buffer or just in case option. is it worth getting another…
-
3 cards or just 2?
I have 2 cards - one (still interest free) with a £2.5k almost maxed and one (now not interest free) with £5k but nowhere near the limit. My credit score is pretty close to perfect. My question is am i better just staying with what i have and paying it down at £400 a month or applying for another interest free card? If i…
