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Pending transactions for failed order
Hi, can't find any help on Nat West so not sure what to do. I booked a parcel with Evri this morning but payment button didn't do anything, clicked it again and nothing. Afraid to click it a third time as items still showed in basket and no order was being generated I checked my Nat West account and 2 pending transactions…
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PayPal Credit - how does the interest work in this situation
Hi all, I recently made an interest free purchase of £400 on Ebay using PayPal Credit. I have 12 monthly payments to make. I made one further purchase this month of £35, just wondering how the interest will work now as I can't pay everything off and now my monthly payments have gone up (obviously)? Would anyone be able to…
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Refund onto archived card
Bit of a long story I'm afraid. Back towards the end of 2019 we bought Queen tickets for June 2020 on a credit card that then came to the end of its 0% interest free and so we closed it and opened a new one. Another card later we are now unable to go to the rescheduled gig. Spoke to Ticketmaster who were happy to cancel…
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How did the AA know my new bank card details?
I got an e-mail from the AA saying that my renewal was due and they would take the fee from my bank card which is registered with them. I realised that I needed to change it as I was sent a new card last month which not only has a new number, it has also changed from a Visa to a Mastercard. I logged on to my AA account and…
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Tesco Now Separating Spending And BT / MT Balances
Just received an e-mail from Tesco stating that they are separating spending and transfer balances so that you can spend on a card with a 0% BT / MT balance and not pay interest on that spend as long as you pay it off in full each month.
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Paying off credit cards/credit score
Hi Folks Wondering if anyone knows how paying off all credit cards in full before applying for a mortgage will work? I owe approx £27k in card debt ( as a result of divorce) and have £25k from sale of asset in divorce. Main aim is to get family home remortgaged in my sole name and I've been told I should have minimum card…
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Should I cancel the un-activated Credit Card?
I have 3 credit cards - 1 - with a 0% interest that I transferred some debt to, and I am paying just over the amount required every month. I will move it to another 0% when the offer runs out, if I haven't paid it all off at the end. 2 - an Amex card which I use for things I can pay off in the month (like groceries, etc) -…
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APR & AER
Hi everyone, I’m new to the forum and wanted to know a few things: 1. Is it worth it to know how to calculate the APR and AER by yourself or just use an online calculator to do the work for you? 2.What’s the best credit card for a beginner like me? Expenses will be mainly shopping around and train travel.
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changing credit card due date - getting more time between payments (one time)
One of my issuers allows changing the payment due date (not the statement date) to values like "Nth of the month". I've read through the card's T&Cs and searched the web but could not find an answer to the following questions: * What's the maximum number of days I can get between two consecutive payments by changing the…
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Fees for using cards abroad
Following the advice on MSE I applied for a Barclaycard Rewards card for use when we go abroad next month. It does say on their website ‘No fees on purchases abroad. You’ll be able to spend and withdraw cash from a cash machine abroad without any charges, and you’ll get Visa’s competitive exchange rate’. However on the…
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Interest Charge Confusion
Hi everyone, I was just looking for a bit of clarity on imonthly nterest charges. My husband is currently abroad and before he went he opened one of those credit cards with no exchange rate fees. His plan was just to pay it all off once he's back and no longer using it, but he's just worked out his statement will be…
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Amazon New Day won't increase credit limit
I'm buying a car in a couple of weeks and want to pay off the balance due - c£8k on my credit card to get the cashback, protection and all that good stuff (also saves some hassle of moving money around my savings as can pay it off from my current account when my bonus goes in next month). Trouble is I only have a credit…
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Installments
Hi I just recently found out about Klarna and its Pay in 3 instalments (over 3 months). I was wondering if there was any other company doing the same thing but over a longer period of time? Without interest and fees. Thank you for your help
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BA AMEX Premium Plus or Virgin Atlantic Reward+
Hi, I’m wondering if anyone has any experience of the BA Amex Premium Plus or the Virgin Atlantic Reward+ Credit Cards? I currently have the AMEX Platinum Cashback Everyday Card, but am looking to switch to an Air Miles style card. Struggling to decide between the two cards above! I do like the AMEX offers so part of me is…
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Credit Card or Cash
I'm going abroad shortly, into Euro land, for a short stay break and I was wondering what's the best way to spend. Take what Euro I think I'll need - it is a short break - and use my M&S credit card as a backup? Or use the CC where possible with a Euro as a backup?
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Multiple balance transfers from same card
Hi, I have a debt on a credit card that is higher than the 0% balance transfer credit limit of the new card I have just taken out (from a different bank to the first). Assuming I keep payments up on both cards is it possible to transfer the limit of new card (A) from the current debt of old card (B), with attached fee...…
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Transferring balance
So i get 0% balance transfers and how they work But just wanted some advice on a Vanquis credit card I have so I’m carry a balance at the min of around 2k this was unfortunately due to wife being off work ill she’s now back at work and we are working on paying it down. I also have a marbles card that use to be a 0% but no…
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Barclaycard fee's and interest refund nightmare!
Hey guys, I had a letter on 22/04/2022 advising that I'd had a refund made out to me back in November and that I'd not cashed the cheque yet and it will expire if I don't do it soon. I've never received that cheque, so I have now spent many hours on the phone to Barclaycard regarding this. When I try to call the number for…
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Sainsbury's Credit Card - what an awful mess
I am writing this to vent some frustration and see if anyone has had a similar experience who can perhaps provide some tips. I recently took out a Sainsbury's credit card with 24 month 0% on purchases in order to cover the costs of a planned trip at the end of May. The card arrived last week and once activated I tried to…
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Fraudulent Activity and Phone Blacklisted
Hi, I’m new to the forum but trying to see if anyone has experience and can suggest how I take an issue forward. I received messages on my phone (in my jacket pocket) from my bank asking me if a suspicious payment was mine. I phoned the Bank immediately using the phone number on my card, who asked me if three transactions…
