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Credit cards

Archives for December 2020

NewDay Direct Debit plus Manual Payments
I've a NewDay Marbles card and I have a direct debit set up for the minimum payment to make sure it is at least paid each month. Now when I login to make an extra manual payment, it says that the direct debit will be reduced by that amount if I make a payment now. So does that mean as the minimum payment was £22, and I…
Being Charged a restocking FEE Help! Paypal Credit
Hi there I purchased a GFX card from a well known online retailer. After receiving the item I decided it was an impulse purchase and decided to return it. I used PayPal Credit for the purchase and the transaction was £699 The company arranged an RMA and collection via DPD. All went smoothly until today I got an email today…
M&S Credit card payment
My OH has an M&S credit card in which he balanced transferred an amount back in feb, we recently purchased some new sofas in October and he put them on his M&S and paid the balance off within days. Lately we’ve been confused as he’s been accruing interest and the balance transfer still has another 9months to go until that…
Credit card over limit fee
I've just received my credit card statement and see that I have been charged a £12 over limit fee, (I went £44 over my limit unknowingly). When I contacted the company (JAJA), they said they automatically charge it and do not have to tell you or refuse a transaction to go through that would take you over the limit.…
Balance transfer from Jaja
Has anyone had any success trying to do a balance transfer from a Jaja credit? I have tried Sainsbury's bank and HSBC, both have been rejected. When I have phoned up HSBC they say Jaja rejected the transfer, when I phone Jaja they say they can’t see why it wouldn’t be approved. Need away from this shocking company!
Payment applied to longer deal
This discussion was created from comments split from: I have been unsuccessful in returning £8000 odd back to HSBC.
Santander credit card
Earlier this month I received one of my regular MSE tips emails inviting application for a Santander everyday credid card. On acceptance of the card there was a £20 Amazon voucher reward to be issued within 90 days of card activation. There was a short time limit for the application. I cannot find this mail to confirm…
Applied for a card then internet connection goes down
Just applied for a Tesco credit card online and I was accepted, signed the online credit agreements then clicked next to register for online banking. While trying to submit my details for online banking, my internet decides to spaz out and now I've lost everything and I didn't get to the "You're Done" page of the whole…
Credit scores on credit reports.
Hello everyone. I have just been discussing my 'soft search' application for a 0% balance transfer credit card with someone at my very own bank, Nationwide. I fit all the specified criteria, so was very hopeful. However, the soft search revealed that I would probably not get such a credit card. So I phoned to find out why.…
Santander Balance Transfer Delay/Time Frame
Has anyone done a balance transfer from another card to Santander CC? Online it says next working today the funds will be here, but its now been a few days and nothing yet. Appreciate its Xmas and Covid situation but i did another balance transfer from Virgin which was instant. Has anyone done a BT with Santander and has…
Any idea why I’m being accepted?
So I don’t want to be that person, but I can’t seem to understand why I have been accepted for several credit cards. Brief history; I was accepted for a HSBC card 2 years ago (£6k limit) with an Equifax score of 171. Prior that, I had only held poorer limit cards, such as Marbles (£600) and a couple of Capital One cards…
0% Virgin Credit Card Offer Question
Got accepted for a 18 or 26 month (cant remember which) 0% interest balance transfer. First ever 0% ive had. Question is - how much will the monthly repayments be (assuming its the minuum) for £4000 on the card?
What "category" do I fall under for Balance Transfer?
Hello Forumites, Wonder if you can assist please? I've recently sold my property and currently live with GF in her house. I have the funds in current a/c (looking to purchase another property for both to move in to, which will need hers to sell). I'm currently paying all the bills (due to C-19 shutting down her business),…
Argos BNPL Query
Is there a minimum monthly payment on BNPL with Argos or do you just pay balance off before BNPL period ends?
Santander All in One Credit Card - Change Product
I currently have a Santander All in One Credit Card but given the £3 monthly fee, i would like to transfer it to a zero fee Santander card. Has any one be able to transfer products with Santander? Or would i need to make a new application for the zero fee card and then try to transfer over the credit limit?
Multiple Barclaycard's Looks Open!
Just noticed on Barclaycard Eligibility Checker that the opening criteria; do you currently hold a card, has been removed. Seems they've opened up additional accounts (applications) again.
Claiming for a lost parcel on credit card
I bought a tablet off of amazon and had to return it. So far it's been 3 weeks and hasn't been delivered. If it comes to a Royal Mail claim, I will only be covered up to £50 because I used the signed for service. Am I able to claim for a refund via the credit card I used to purchase it as it has been lost in the post?
Paying in full, wait for the bill or pay off as and when?
I have a credit card that I use regularly for online shopping, a bill in a restaurant (when they're open!) and just general spending. I always pay it off in full every month, obviously, but as my credit card is with my bank I can easily transfer payments to it from my mobile banking app and clear the balance regularly. My…
Does who you hold a CC with have an impact
I have to confess to holding a Vanquis card ( which I pay in full every month ) as it was all I could get once I had rehabilitated myself after financial difficulties a number of years ago. When lenders look at your credit file, do they take into consideration * who * you hold accounts with? Does having a Vanquis card set…
Ryanair Section 75
Hi, at what stage should I ask my credit card company for a refund on a cancelled Ryanair flight? I have spent hours on end trying to arrange teh refund through their webchat but I just end up waiting for ages and then get mysteriously cut-off mid-conversation. Can I just save myself the hassle of this and go direct to the…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Credit cards

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