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Payment protection query
Quick question: If I use my Visa Debit card to enable a bank transfer at the bank, does that give you the same Chargeback protection as using the debit card directly with supplier? I.e you have used your card to make the payment. I need to make a four figure deposit followed by two five figure payments for work to be…
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Balance transfer
Hi I have a Lloyd’s bank credit card that is coming to the end of 0%. I have an offer on my M&S credit card at 0% to be completed by 31st December. As I use this card for purchases and pay off the balance monthly - l wondered if this is a good idea - or will M&S take the monthly payment to clear the transfer first leaving…
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Balance Transfers
I have a credit card that has 0% interest at the moment but this runs out in a few months and I have around £2000 left on it. I would like to transfer the balance to a 0% interest credit card but I am unsure whether it is better for my credit score to take out another credit card and transfer the balance and pay no…
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Credit card car purchase, when to apply?
This may be an obvious question, but I’m looking at buying a car on a credit card, using a 0% money transfer. I have been pre-approved with MBNA. I’m viewing the car tomorrow and have not yet applied for the card (in the event I don’t want/like the car and then have 9k credit card with a ticking promo offer). what should…
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Second credit card dispute
When Covid all kicked off I had tickets to attend SXSW festival in Texas (. £1400) It got cancelled . They refused to refund . I put in a dispute so Halifax gave me the money back . Then SXSW said if I realised the money back to them I could go in 2021 , fair enough let’s give it a chance . So Halifax released the money…
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JaJa
Good morning. Has anyone had issues with JaJa finance? My husband passed away a few months ago. He had a credit card with the AA which has changed to Jaja . I have forwarded the required documents but they won’t tell me how much is owed so that I can pay it. I’ve spent hours on the phone trying to get through to someone.…
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Unused CC
I have a old CC from Vanquis, which I no longer use and has nothing owed on it. I am looking next year to getting a mortgage so would it be better to close the account down or keep it with a zero balance on it?
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Cancelled Order Delivered Many Weeks Later & Section 75
Just wondering what to do about a situation involving a Section 75 claim. It involves a company called British Ceramic Tiles. 15/10/20: I placed an online order for tiles showing as being in stock, with their website sating that orders are usually processed and dispatched in a day from order receipt but that due to…
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Paying a tradesman by credit card
Hey Everyone Can you pay a UK tradesperson for work done on your property by Credit Card and is this counted as a purchase or a money transfer - ie I have a 9 months purchases 0% card so would this payment be valid for this transaction and no extra charges until 9 months after payment. Am a bit confused as if the payment…
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Is Shop Pay safe/legit?
There's something I'd like to buy online with my credit card but the only option in this particuar store is to use Shop Pay. I've never heard of it, and googling doesn't seem to indicate anywhere I can look to tell me whether it's legit. Is it safe/legit? If so, how do we know that?
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AMEX website problems
Is anyone else having issues the last couple of days on the American Express website? I can log in fine and view transactions etc but the problem comes when I go to pay the balance off using my debit card. I get as far as receiving the OTP from my bank for the debit card transaction but on entering it I get completely…
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Persistent Debt - Does account suspension go on to credit file?
I've received an 'Action Notice' from Argos Card regarding my persistent debt on their credit account. I cannot afford to increase my payments and I'm pretty content for them to suspend my account but will this account suspension appear on my credit report? Will my credit score be affected? Thanks.
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Section 75 Consumer Credit Act
Although Nationwide Building Society's credit card is provided by an external provider, the Society markets the card as its own. Section 75 of the CCA makes the credit card company jointly and severally liable for any breach of contract by the trader. That means the credit card company is responsible to refund the money…
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credit card payment cover
In September I ordered a bike from an online supplier costing £3,000and paid a deposit of £500 through Paypal. The bike was a pre-order for next years model and was expected to arrive from the German manufacturers in October or November this year. The suppliers have advised that, due to high demand and shortage of parts,…
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Santander Everyday credit card offer
I recently took advantage of the Santander Everyday 0% credit card transfer. Part of the offer stated a £20 Amazon voucher. From whom do I claim this and how?
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Buying things internationally with a credit card
Does anybody know which bank/credit card is best for buying purchases abroad or in a different currency? Recently we have had to have a refund for a flight that was paid for in GBP with an English credit card but was refunded by RyanAir in Polish Złoty and the bank charged us so we lost out. Basically we did not receive a…
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Newbie Alert! Looking for some advice
Hi hi - very new here. I've been looking into getting a credit card for a while as I have very little credit history and whilst I doubt I will purchase things on finance plans (I'm just not comfortable with them), I would like to have the option if needed - hence I need to build a good credit rating. So! Having done some…
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Nationwide Select Cashback
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Can I apply for a card if already a named card holder?
The wife has a Sainsburys Credit card and I also have one as she applied for a second card holder, is there anything to stop me from applying for my own Sainsburys Credit Card, would I already count as a customer? Thinking for a balance transfer from another card to the Sainsburys 0% offer.
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JAJA balance transfer to another credit card
I wondered if anyone else was struggling to find a credit card that would accept a balance transfer from a JAJA credit card? I was previously with post office which has since switched over to JAJA. I was informed a couple of weeks ago my 0% rate was expiring and after trying to do a balance transfer to both a sainsburys…
