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Prepaid USD Cards in the UK
What's the best way to spend on USD prepaid cards in the UK? There's a 2% charge for buying stuff in pounds. Any bright ideas?
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Close or keep cards after 0% ends?
I have 3 credit cards. 2 are old that I keep for emergencies and 1 I use which is 0% on purchases. The 0% is coming to an end. So I just keep the 3 cards as back up and apply for a new one, close 2 of them and just keep 1 as a back up or is it possible to get a new 0% on purchases rate on one of the cards I already have?
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Newday App on Iphone currently offline (Amazon/Aqua/Topshop etc)
I have a couple of Newday cards - Amazon and my original Aqua - and am having a bit of trouble accessing either of the apps tonight - is it a glitch at my end - or can everyone else get into their Newday apps via an Iphone (if you have one)
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What to do with a dormant credit card?
Hi, I've got a pair of credit cards with Capital One, both with low limits (£1250 & £500). The £500 card was paid off some time ago and the card chopped up. The other has a balance that will be cleared within the next few months. I'd like to keep the larger one as an emergency card, is there any value to either myself or…
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Section 75
Hi, i bought a car in September and paid £14,000 in full. I paid £300 of this on my credit card. In january the car went completely faulty... I took it to my local garage (because the original dealer is miiiiles from me)... I was quoted £1000s ... I spoke to original dealer who initially laughed at me, but when i quoted…
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LLoyds Avios Credit Card
Firstly sorry if this has been asked but had a look and couldn't see any former posts. I've had the Lloyds Avios credit card for a while now due to the 0% interest if you clear the balance each month and avios points, basically BA points. Total disaster came in an email though that they were closing the avios/ba rewards so…
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When you close a Barclaycard credit card, “you can never have one again”
As above this is what Barclays online chat service have told me after weeks of interrupted ‘chats’. I closed a barclaycard last November. All paid off no missed payments or problems. I applied for a new barclaycard recently and was turned down. Reason was because I ‘already had a barclaycard’! But it was closed last year.…
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Credit card interest Q
Hi! My brain is having issues trying to figure this out... I have a 0% interest ending 7th June, and I’m not able to pay the full amount off until I get paid on the 25th... it’s changing to 18.33%... I just wanted to work out what interest will be added in that time.. there will be £460 left. My other option is to move it…
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Tesco money transfer question
Hi there! I have a Tesco Clubcard credit card, which I used last year to money transfer and pay off another credit card (the old card wouldn't let you transfer the balance hence why I did a money transfer). The 0% interest free period for the initial transfer is running out next month and I received communications…
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Problem with multiple balance transfers on same credit card
I have three balance transfers on the same credit card, two interest free which expire this year and one low interest which doesn't expire till the end of next year. I've been trying really hard to get these paid off before the interest free periods expire and one of them expires next month so I paid £400 to pay it off…
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Joint credit card?
I know joint credit cards aren’t really a thing, but you can add someone else’s name to your account so they get a card of their own - but will they also be able to see the account and pay it off in their online banking app? I’m looking at NatWest in particular, if I had a credit card and added my partner to it would they…
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Best Rewards Credit Cards
Hi all, I've just been told in another discussion on here that you can use some credit cards to gain some useful cashback or other rewards. I think the example given was Natwest. Does anyone know of the best rewards/cash back credit card that I can use to start getting a little back on my regular spending?
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Credit Card Statement Frequency
I’ve had a search and couldn’t find what I was looking for, so I wonder if anyone can tell me. The back ground, OH has had substantial debt, one of the creditors is HBOS, being in Scotland he was able to address the situation and repay the debt by DPP via DAS. There were other creditors involved and over the course of the…
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Credit default and charges after card issuer cancelled direct debit
Hi All, I've got a couple of credit cards with Creation (IHG cards). Out of nowhere they cancelled by direct debit due to 'inactivity' although I am using the card and I have direct debit payments taken out of my account every month. As a result they charged me a default fee and the default will also go into my credit…
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Section 75 time limit query
Hello all, does the section 75 claim time limit start from when I first made the purchase or from when I become aware of the problem with the supplier? Thanks.
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Balance Transfer Question!
Hi folks, I’ve a balance transfer card coming to the end of its 0% offer, and was looking to see my eligibility so used the MSE eligibility tool and it advised me that I had no chance of being accepted for any current balance transfer cards. I logged into my MSE credit club account to see my credit rating, and it detailed…
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Amex Shop Small returns 5 - 25 June
Not quite so generous. £15 spend needed for £5 cashback, and Max 5 retailers this time
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Chargeback against homebuilder? Or S75?
Hi Experts! I've found myself in a situation where I've paid a total of £5320 to Bellway Homes for a house I might now not actually be allowed to buy. So here's the story. I put my house on the market with Purple Bricks back in January, and received an offer pretty quickly. Based on this, I set out to find a house to move…
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Debenhams
In February My wife ordered an item of clothing from Debenhams using a Debenhams store card. Debenhams sent someone else’s order, which she returned. We have not received our originally ordered item, and have been in monthly communication with Debenhams requesting a refund for the undelivered item. Each time we are…
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Ex-partner used a card of mine ran up bill and arrears advice please
Hello everyone: As stated in the title, ex partner ran up (a relatively small) bill of 100gbp on an Argos card that I hadn't used for ages. She was not authorized to do so. There were three late payments/defaults. I have paid the bill and closed the account. All of my other accounts are in good standing. How much and for…
