Credit cards

Archives for January 2021

Best cards to solely help fund holidays using points/cashback
Morning. Sorry in advance as my question covers several forums areas but thought this is may be the best. My husband and I are currently saving to buy Disney Vacation Club contract so we can maybe travel to Disneyworld once a year. The contract is expensive up front but then will cover all our hotel costs for the next 35…
Sainsburys 27mth 0%-check statement!!!
I applied for this promotional offer in October and transferred a balance onto the card which was for 27 months at 0% so ending Dec 2022. I have just checked the January statement and there is an estimated interest figure for February! I had a strop and transferred the amount to another card then though I have paid a…
Section 75
Hello If I claim and win a Section 75 on my credit card company ( a travel agent is refusing to refund me money on a holiday they cancelled) who actually pays, the credit card company or does the credit card company claim against the travel agent ? Thanks for looking. John
NatWest / RBS rewards credit card
Hopefully someone with the card and the reward current account will know the answer to this. I can’t work it out from the website. The blurb says you need to accrue £5 in rewards before you can do anything with them. The current account rewards scheme has the same rule. Do the accrued amounts for both get stored in the…
Really bad credit
How can I get a credit card or loan with a not very good credit rating? I’m getting married in a few weeks and I don’t even have a dress 👗
HSBC Credit Card - speak to UK call centre?
Hi, I have a complaint with HSBC regarding my credit card and am desperately trying to speak to someone who I can have a detailed conversation with. I am fine with Indian call centres when they have well trained staff, but I have spoken to two terribly unprofessional call handlers about this so far, the most recent of…
John Lewis Partnership Card
Got one of these to get points on our Waitrose shop / JL stuff. I'm aware they're part of HSBC or whatever but just wondering what they're like, in general regards limit increases? The limit, whilst fine for the needs of usage, is one of the lowest (£5k) and just wondered how increases are handled? As in when I click into…
Applying for cash back card trap
Twice now I have nearly fell for the same trap!! Having researched the best card to apply for and subsequently going through the application process; I am confronted with a large text format "Success" - you qualify for this card. BUT the card is not what I applied for!! It's the same brand and the accompanying Picture…
Using car Finance and Credit cards to buy a new car.
Can anyone advise me can you over pay on credit card when doing a balance transfer. 1 credit card has 1000 limit 2 credit card has 1900 limit 3 credit card has 4500 but 18 months on interest fee on balance transfers pending a 2.9% fee Car im looking at is 10500, trying to work out the best way to sort payments on it. i…
Help!! What to do
Hi all I need some advice regarding credit cards, I have 4 basically all up to the limit, cards and credit limit below Vanquis - 500Cap 1 - 200Ocean - 200118 - 250 I have had a windfall of money and want to clear them all, but I have a bad credit rating so want to start building my credit rating up, so I’m gonna use a card…
Credit card Continuous Payment Authority (CPA)
Hi Just need some advice here. I have a credit card, but three years ago I switched to another credit card provider, however, I never cancel this card. last month, I noticed there is a monthly charge from an online company from 2017 until now. I remembered that I have cancelled it in 2017. I even complained to the credit…
Nationwide Gold Card
My Gold card, which has good terms and conditions, has been replaced with a member’s card without my request. Nationwide have stopped my Gold card against my wishes. Can they do this with changed T&Cs?
Best way to increase Credit Builder Credit Cards?
This is probably a question already asked and I’m not sure if it’s in the correct place but here goes; I have been spending the last few months building a brand new credit score. I’ve never used credit so when I decided at 28 years old to start saving for a mortgage it turned out that I couldn’t get one as there isn’t…
New credit card - how much should you spend a month to build credit?
Hey, I was accepted for a credit building card (never had a credit card before and just wanted to build my credit). My limit is £1000 and apr 29.2. I plan to just use it at the end of each month to fill up petrol or get shopping, spending roughly £50 and paying it off immediately by direct debit. But I just wanted some…
Can I add more to my credit card than the limit?
I owe a payment of £550 and need to pay by card and wish to do so with my barclaycard cc. The Limit on the barclaycard cc is £250, so Can I make a transfer to the cc of £550 even though the limit on it is £250? Earlier I owed £69.99 to the cc and when trying to enter £70, a message came up in red telling me it can't be in…
Closing Credit Card account?
Hi All, Just had quick query about closing a credit card account. What it is, I currently have three credit cards. Two are with Capital One and the other is with Zopa. I don't really use them all that often and have yet to activate one of my Capital One cards. I know this may sound silly, but applied for the latest card by…
Cleared credit cards, close accounts?
I’ve just cleared around £6500 off 2 credit cards and my PayPal credit. I now just have ~£700 transferred onto my oldest car which I got a 22month 0% deal on - I’m hoping to clear it within 8 months. I’m hoping to apply for a mortgage within the next 12-18 months, and wondering what I should do with my cards now they are…
Balance Transfers and Money Transfers with Different promotional time periods. Help.
Hi all, hope you can help explain the outcome of the following so that I can decide whether or not to go ahead. I have today applied successfully for a card with a 0% rate on balance transfers for two years, and I have completed the transfer during the application and the plan was to pay the same as I normally pay to my…
Virgin Credit Cards - Being held to ransom over your account
Hi All, First post here and hoping this is the right forum for it. I wanted to share an ongoing battle I've been having with Virgin for the last 6 months in the hope that I could find people who had a similar experience, or could share some advice. This complaint was raised to the financial ombudsman in December but I've…
Debt collectors chasing credit car from 2005
Hi, I have received a letter from Global Debt Recovery chasing a crdit card debt from 2005 (defaulted in 2008). I have not heard anything about this debt for years. Is it now statute barred? What should i do?

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more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
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