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Trying to get debt free - Cancel or not cancel
I've read various threads on here in relation to cancelling cleared credit cards. I'm currently in about 25k debt and I've had a promotion at work so working on clearing my debt, all of it is interest free. Between the two of us we have 7 credit cards. Halifax £0 Halifax £0 after today Virgin £1200 Aqua £500 Barclay Card…
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Possibility of keeping credit card if I change banks
I'm unhappy with my current bank but I love the credit card I've had from them for years. Question - If I change banks will I still be able to keep the same brilliant credit card? T I A
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Jaja credit card
Hi, I used my Jaja credit card abroad after checking on https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/#bestbuys that it was one of the top overseas spending card. However there are loads of FOREIGN EXCHANGE FEE, totalling £17 so far! Is the advice on the website not up to date?
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Vanquis balance transfer offer
Hi, I recently took out a vanquis card as it was on my clearscore offers saying I could have 9montjs interest free on balance transfers, I've got a few hundred on another card so seemed like a good idea. Just got the card, none of the paperwork with it says anything about an interest free period and the app won't even let…
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Good not received
Hi all, I'm hoping that someone can help me, this is a long one! I purchased a TV and soundbar from an online store just after Christmas. The next day I sent them an email to advise that I wanted to cancel the order and a few hours later received a call form the store. The sales person refused to cancel the order and told…
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Credit card refund closed account two years ago
Ticketmaster have eventually deemed to refund me for concert tickets I purchased in October 2019 which after many revised dates is now cancelled. They refuse to refund except to original nationwide credit card which was closed in February 2020. nationwide say the account has been removed from their systems now so any…
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If the company I work for goes bust will I be on the hook?
If I have a credit card in my own name, but owned by the business (not my business, I am just an employee), would I be accountable for outstanding debt on the card if the company went into administration/"went bust"? Thanks
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Credit Card Fraud & Chargeback
My cc has been cloned recently and in a week someone has run up £522 of debt. All transactions were less than £100 and used with a contactless payment. The bank , has decided that it is not possible to clone my card, or at least there is no evidence and consequently their decision is that I or someone else has been using…
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Using credit cards overseas....security check texts to cellphone making things hard?
My son is about to go to Asia for a few months including Korea where he has spent time in the past.He will be extending his acommodation, booking more flights etc whilst he is abroad and paying with his credit cards. It was usually a requirement to tell your credit card provider before travelling but they don't seem to…
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Switching credit cards
Hi all So I posted about going abroad and most say take a credit card with you. Now I have a clarity card that is past its 0 percent interest on purchases deal and also a barclarycard platinum card that's past its 0 percent deal. So I was looking at the travel cards and barclarycard reward card has been put the best due to…
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Barclaycard Debt.
I have a Barclaycard with a debt of £8000. For the past few years I have been paying this debt off and it is now only down to £6200. Last moth's interest was £100 on a payment of £187. I have tried to get a cheaper card so that the debt can be paid of quicker as I cannot afford to pay this amount each month with a state…
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Using credit card for "free" loan.
I have a c/card with my bank that I barely use and I have a £10k limit, and a current offer of 7% Apr interest and 0% on money transfers. I have now got another c/card with another provider that has an £11k limit and 0% interest on balance transfers for 24m. So my plan is to transfer 9k to my bank from the c/card and then…
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Cashplus won’t allow balance transfer
I have a cashplus credit card, the balance of which I have tried to transfer to a 0% balance transfer card. NatWest have no problem with taking this balance, but Cashplus won’t allow it as it’s not in their remit. I find this very frustrating and have never heard of this before. Has anyone else and do you know why? Thanks
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M&S credit card offer
Hi all, I took out the offer on the back of last weeks email for the M&S 31 month balance transfer card with the 1.99 fee but with £25 cash back via the link. How is this cash back received? I’ve not had it yet but the fee has been taken after I completed the bal transfer. Sorry is silly question I can’t find the info on…
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How long generally do the long 0% offers, ie over 24 months last before being withdrawn
I don't need to pay off my current MBNA card balance until late June 2022 when the 0% finishes, just wondering whether I should take advantage of current offers now before they disappear Particularly looking at the Virgin 0% for 28 month with 1% balance transfer fee. I've no idea how long this has been available for…
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How can I transfer money from a Capital One credit card to a bank account?
I was meant to put a deposit down on something today but when it came to it, I realised there was no option for me to do this. I only had my credit card on hand. I couldn't use my debit card as I don't have enough funds. I had been on the Capital One app but there seems to be no option to directly transfer money to a bank…
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JaJa issues
Like many people my Post Office credit card was changed to JaJa. I have been generally unhappy with them since. The App is poor and prior to a long trip overseas I rang to ask if my credit limit could be raised (it was quite low) as I intended to use the card extensively. I have an excellent credit rating so this should…
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Positive balance on credit card - effect on s75 claims
Say someone has a positive balance on their credit card caused by a refund or over payment. Obviously this will be used when the credit card is used. If the goods or services bought are not “satisfactory” would s75 apply even though strictly speaking the credit limit on the card was not used ? thanks
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Tescos Credit Card - one time password
Tescos have introduced additional security checks for on-line purchases. Along with other providers this is of course a good thing. However, my OH who is an additional card holder on the Tescos account has attempted on at least three occasions to buy something on-line. Each time she nominates her phone number to receive…
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Paying Santander Credit Card with Nationwide Debit Card
Just wondering if anyone else has had trouble doing this? Every time I try, I instantly get a message that the card authorisation failed, and suggesting I try a different card. Nothing seems to hit the Nationwide at all. The Nationwide card works perfectly with other merchants, and I successfully made the payment to…
