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Balance transfer again
Hi! I did a balance transfer in July to virgin money credit card. I had a bit of an error and used the credit card not realising interest is charged on purchases! Can I do another balance transfer?
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Section 75 - Trade-ins
Hi I am currently making a section 75 claim with my credit card company (Tesco Bank) I was mis sold 2 new saddles that were never going to fit my horse. As part of the sale I traded in 2 of my own saddles as part payment. I have put my S-75 claim in the for the full amount of the new saddles - the money I paid the company…
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sainsbury's 0 %
Has anyone else applied for Sainsbury's 0% card as listed on MSE? My partner did the approval check on mse and then did full application 12 days ago. He was emailed the same day saying he should receive a letter within 5days. By last Friday nothing had arrived and after a painfully long wait on the phone spoke to somebody…
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Cash back credit card? Alternative Debenhams CC
Previously i am holding Debenhams credit card and getting the shopping vouchers regularly but after store close down, they stopped the vouchers and no cashback. And feels no point to carry forward. Can anybody advise alternative card which is currently available in market with send us vouchers/ best cashback. i would…
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Balance transfer cards
what is the difference between the mentioned and standard credit card? Can you use it/apply for if you do not have any debt?
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£12 over limit fee for going 73p over for 2 days
As above, I miscalculated the credit available on a card, which pushed it 73p over it's limit after buying a few things. Two days later I saw this land on the statement and hastily put a payment on the card to bring it back into it's limit. I've now been slapped with a £12 over limit fee. Seems quite disproportionate to…
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Alternative to money transfer - legality
I have considered making a money transfer from credit card to current account but there’s a hefty 23% interest on doing so. I sell digital music through a third party on a pay-what-you-want basis. If I bought my own music for the amount I wished to transfer, the % the 3rd party take would be considerably lower than 23%……
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Paypal
Hi all, I want to balance transfer my PayPal credit to a 0% credit card, can this be done? Or if not any other suggestions? TIA
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Paying off as soon as I spend? Right or wrong?
I've always followed Martin's advice to always pay off any credit card balances IN FULL at the end of the month once the statement is received. However, with things getting more and more expensive and cash flow becoming an ever increasing concern, I've actually been paying off my balance the day I use the card. Is this a…
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Electoral roll and credit application
Hi, can it be an issue if there is middle name missing on electoral roll but it is on bank account or experian report etc. Should you apply for credit/credit cards with full (including middle name ) or (as preferred) without it as never really used? or it doesn't really matter?
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what information should be asked for if you apply for finance?
Applying for finance for a boiler:247staywarm wanted my bank account sort code and account number to pass on to the finance company.I refused. Checked my score on Experian free check- they wanted to know a credit card company and two bank accounts - both using multiple choice questions. NO numbers asked for. I am very risk…
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Sainsburys Credit Card stopped sending postal statements = Missed payments
My issue is in the title really. I've never missed a CC payment in my life, but have missed the last 2 months as I wasn't sent a statement by post (my normal trigger reminder). I accept it's my responsibility to pay but i feel financially "tripped up" by Sainsburys. I called them and they wavered one months fees but it's…
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Tesco Credit Card/Clubcard
Good evening, Probably a dumb question but do you get Clubcard points when you use a Tesco credit card in any shop/online? Or only get points when used in Tesco? I have them linked, my online Clubcard account shows points when I used my credit card in Tesco, but isn't showing points when I've used in other shops? Any…
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Stop using my credit cards
I currently have two credit cards that I use for every day spending and that I pay off in full every month. I’m considering stopping using them for every day spending and switching to the chase account (1% cash back is better for me than the cc rewards) and only using the credit cards for S75 protection when needed on…
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TSB advance grace period
Hello, I have recently opened a TSB Advance credit card. However a quick google search suggests that this does not have an interest-free grace period (including a post on these forums and a review elsewhere). According to the summary for the TSB Advance credit card (correct as of June 2021), there is a 56 day interest-free…
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Money transfer
I have a credit card with my bank (which is totally paid off) but the APR is very high Can I transfer this available credit to a new card with the same bank to obtain an offer of 0% APR?
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When will the hotel take money from Credit Card?
Booked a hotel and it was pay on arrival. We checked in on Saturday and I handed over my card and the £158 was immediately showing as “Hilton hotel “ and the amount deducted from my available balance. They were meant to hold £60 security deposit from my CC also but they didn’t. Anyway we checked out yesterday and a few…
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MBNA 0% duel offer
Hello all, first poster here. Got a question to ask. I’ve just got the above CC that gives me 0% on purchases for 21 months if made within the first 60 days. My question is. If I buy something at my credit limit then balance transfer it to another card immediately could i then use this card a second time as it stated…
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Stung by credit cards again!
For years I got by with just a normal bank card and saved up and bought things if I needed them, or bank of mum and dad if emergency. I always promised I'd never get a credit card but me and the missus started a wee business thing a few years ago and I applied for a Sainsbury's card to pay for a few things, when I think on…
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Section 75 / Chargeback Refund Issued
Hi all, Hope you’re all keeping well. I was wondering whether there were any experts on S75 / Chargebacks. Initially I raised a claim to Barclaycard at the end of April 2021, I attached the evidence via their online form and off it went. I didn’t hear anything initially, and I called several times for an update between the…
