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Best UK credit card for air miles (to Canada)
Hi all, I'm an employed 20-something year old living near London UK and want to apply for my first credit card - specifically, I would like one that will give me points/bonuses with airlines that fly from here to Canada (specifically to British Columbia). My partner is Canadian and now that travel is slowly opening back…
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American Express late purchase added to card
I have today (August 2021) received a letter from Amex stating that a purchase I made in May 2020 had not been added to my account due to an administrative error! they will now add this to my next bill, however this will now take me over my current balance. Can they do all this?
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Direct Debit doesn’t clear the balance - I’m now in debt !
I have discovered that despite having a DD set up to pay off the credit card balance in full every month, I have a “stealth debt” of £2600. I only found out because I received texts telling me I’m nearing the edge of my credit limit. I am so angry. I switched to e statements but these don’t provide an obvious tally. This…
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Balance Transfer FROM Amex (aaaaargh!)
So, I applied for a balance Transfer card from Sainsburys. I noted that it said they don't allow transfers from some cards, but it asked you confirm the details of the card you are transferring from, and I did, so on acceptance - I had assumed that it was ok. Silly me obviously, as I have now received the card and can't…
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Balance transfer to pay same card
I have £2900 coming to the end of its 0% next month. I have more than this amount available on the card to do a 0% transfer - been sent an offer. Does anyone know if I can do a balance transfer under the offer I have been given of 0% for 2 years, then use that money to pay off the amount coming to the end, effectively…
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About to start a new job but want to apply for credit card
I have never used a credit card, always paid with debit card, but I'm going to get the Amazon Platinum Mastercard. When applying for the card I have to enter my salary. I'm currently employed since almost 2 years ago, however I will be starting a new job near the end of this month with a bit higher salary. Should I wait…
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Are there any credit cards that allow buying crypto?
I used my Royal Bank of Scotland Mastercard to buy some crypto back in May but when I tried to buy some more recently, the transaction wouldn't go through, even after I verified it in the app. So I phoned them, thinking that they'd probably just flagged it up to protect me in case I'd been scammed and they'd lift the block…
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N/A ignore me
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Is this too good to be true or am I missing something?
I have 2 credit cards. One (Yorkshire Bank) I use for everyday expenses, shopping etc. and pay it off in full every month so don't incur interest.The other one is from Virgin and I'm using it purely as an economical way to pay down a historical debt, which currently stands at £2k. The Virgin card is 0% interest, but that…
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Paying deposit for goods and services
Am having some automatic garage doors and other driveway improvements done which will amount to about £3000. The manufacturer/fitter does not want to accept deposit via credit card as he claims it is too expensive although I have said the final payment will be through bank transfer . In the past I have lost a substantial…
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Timescales between initial FoS decision and a final ombudsman decision
Hi - I have a few complaints where the lender has asked for a final decision after an initial decision has been upheld. What timescales are people seeing between this initial decision and a final one please?
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Amex app access on Apple iPad
Last night I attempted to check my Amex card balance on my iPad Mini 2 - only to be told that my version of the Amex app was no longer supported, and I needed to download the most recent Apple IOS version software to continue using it. Only one problem - my iPad IOS only goes to version 12.5.4 - whereas Apple is now up to…
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Balance transfer misdirected to another account £4k - please help
I currently have an investigation ongoing with the ombudsman. The summary of my complaint is a balance transfer was submitted twice when setting up a credit card account with Sainsburys. The money was to be transferred from my barclaycard account in the sum of £4048. This was inputted at the time of registering for the…
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Help with using a 0% balance transfer to settle a personal loan
I have a personal loan with about £2.5k left to pay, and expect the settlement figure to be slightly less. My plan is to get a 0% balance transfer credit card, move the amount to settle the loan from an existing credit card to my bank account, and then transfer the balance to the 0% card. Some questions: 1. Will the cash…
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Money transfer card harm credit report?
Afternoon I am looking to carry out a money transfer from my money transfer credit card to my current account to repay an overdraft and I have a query regarding impact on credit report/score. Will a money transfer negatively affect my credit report in the same way that a cash withdrawal/gambling transaction/currency…
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Have I got the right idea? Paying off 'Your Plan' with a 0% credit card - help!
So last year we bought a laptop for my boyfriend (been together three years, no issues here), we put it on my Your Plan account at Currys/PC World at a cost of £1007 with the 0% for 12 months. It was intended that my boyfriend would put aside a little every month and he'd pay it off. It's due at the end of August (where…
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Barclaycard Rewards Credit Card
Does anyone know what happens to the cash back on the Barclaycard Rewards Cash Back Credit Card when you close your account? you would think Barclaycard might know, but nearly 1hr30 mins this morning and I’m still none the wiser! The reason I ask is a family member once had a similar card and when she closed the account…
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MBNA balance transfer error
I made a balance transfer back in May from a Virgin to MBNA card, it was all approved and i then had a message from MBNA to say it had been rejected and to contact them which I did. They told me they weren’t able to see what had happened and that I should call Virgin, which I did. They were clueless, they hadn’t had the…
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Thank you for applying for a Virgin Money Credit Card....
We are considering your application based on ... Guess I have 5 days decision time, 1st 2021 Non Instant Approval. At least I'm Aug away from Zero utilisation on existing cards. Is there any known Acceptance examples from mse. thanks
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Credit Card Advice
Hi, I currently have a Gold Card for Purchases with First Direct. However I have read through the terms of my credit card and online and this might sound daft but can I do a balance transfer with my card at all, as the interest free period runs out in a few months time? Thanks :smile:
