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Marks & Spencer Rewards Club paid my M & S Credit Card
Just for any M & S credit card holders who may be unaware.If you have a Rewards Club card and settle the £10 monthly fee with your M & S credit card, then one of the linked perks is free next day home delivery of goods purchased from Marks website for registered customers. There are exclusions of course, sales goods sadly…
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KEEBO Open banking credit card
KEEBO credit card are offering a decent credit card based on open banking data rather than traditional credit data. Has any one used open banking data to apply for credit?
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Jaja customers hit by account error as duplicate transactions and incorrect balances listed
Credit card firm Jaja has admitted an issue that means some customers have had the same transaction added to their online and app-based account more than once. Jaja insists payments have only been processed once but it’s left customers confused and unsure of their available balance... Read the full story: Jaja credit card…
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Guarantor for Student Credit Card?
My daughter is about to start her second year at uni and wants to get a credit card to improve her credit rating, which is already showing as better than average from the main credit agencies (nothing negative, 2 bank accounts on record). Even though she's got a part time job with an expected income of about £5000 a year,…
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Refund to old credit card
Hi all Like lots of people, we had a holiday cancelled which we originally booked for last summer and had postponed until this year only for it to be cancelled. The accommodation we had booked have provided a refund however it’s gone back onto a credit card which I no longer have. Unfortunately, I don’t know which credit…
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Looking for suggestions credit card with consistent statement date
My current first direct credit card drives me nuts as the statement date varies by up to a week. This plays havoc from a budgeting standpoint as I pay off each month. I’ve been with fd for 14 years but want to move to something with a consistent statement date I aquired a capital one card. It’s great and has the same…
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Balance transfers still pay interest?
Hi, For a particular balance transfer credit card, it states the following: Always pay at least the monthly minimum repayment (1% of your balance plus interest, 2.25% of your balance or £5, whichever is higher). Please can you clarify that a) is it suggesting 3 different ways/amounts of repayment depending on which is the…
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M&S Credit Card £25 cashback
Hello, I saw in June/July MSE's tip on the M&S credit card with £25 cash back if you spent £100 (I think). Can anyone conform it was that and i fthe £100 was in a M&S or just in general and what is required to get the £25? I was accepted on 16 July and got the card. I'm certain I used the link but received no email from…
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Current offers and new offers Barclaycard
Hi, I have a Barclaycard at 0% for purchasing until December 2021, I will pay the balance by then. I've had an offer for 0% on money transfers until 2023. I want to pay off my PayPal Credit using money transfer. My question is: What happens to my 0% on purchases? Does that still remain until Dec 21 as previously decided.…
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JD Williams Credit limit
Hi, Is anyone able to explain me how to use credit agreement with JD Williams and the credit limit the best to build your credit history and do not pay interests? Let's assume I get credit limit of £150. Should I make my purchase immediately? Does the rule of using 25% of your limit apply here? So the best purchase would…
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Any credit cards with instant spending notifications?
Hi All Was wondering if anyone was aware of any credit cards which have instant alerts when money is spent on it? I've seen some app based banks which support this but so far no credit cards apart from AMEX. Advice appreciated :) Thanks
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Section 75 rejected - due to no response from vendor
Hi there, Amex has closed a section 75 claim I filled, reason being the vendor has not responded for months. What is the next course of action? it's too late for chargeback. Ombudsman?
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AirBNB - bank says their payment system isnt up to date
trying (all weekend) to make a payment to Airbnb. It declines and Bank says it is because AirBNB systems dont comply with new Strong Customer Authentication. has anyone else had this problem? We can make a payment of less then £1000, but not for the full amount. Bank says its a known issue with lots of Retialers/ Merchants…
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Section 75 causing negative repayment status
I requested section 75 to reclaim funds from Ryan Air on my Sainsbury’s credit card around August 2020. I didn’t need to pursue this as by the time Sainsbury’s responded asking for more information Ryan Air had refunded me. Sainsbury’s have now added an “account under review” marker on my file solely due to this from…
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Apps or web
Is there any benefit over using an app for credit cards or any banking in fact over using a web page ? Is the app more secure ?
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Can I pay my builders with AMEX?
I need to pay a building company X amount and want to know if it's possible to use an AMEX card to transfer this amount over? I don't have the card yet but thinking of applying to get one to obtain points etc.
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Getting higher limit on new card
I've currently got a Royal Bank of Scotland credit card with a £4,000 limit. No debt on it (I clear it every month) and no other debt. I want to get a new 0% purchase card to pay for some dental work and get rid of the RBS card but I did a eligibility check with Santander and it pre-approved me for an All in One card with…
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Barclaycard proof of income error
HiI applied for a Barclaycard this morning and it gave me a £200 limit and said I could unlock a higher limit after I provided proof of income. It gave me two options either transunion or upload, so I chose transunion. The problem was that I get paid on two different accounts, so I tried to exit it, but it gave me an error…
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Santander Credit Card Existing Customer Offers
Hi all, I'm just wondering if anyone knows if Santander offer any existing credit card customers any balance transfers offers etc or if its worth just closing the account down. I can't seem to find anything online so thank you in advance.
