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AMEX refusing to pay money they lost
Hello, I am not sure where to turn for help with this issue as AMEX themselves have been useless and are constantly pushing me away. I am an avid reader and was hoping for some advice from yourselves about this matter as it feels like I am powerless in this situation. I have been in an ongoing dispute with AMEX since June…
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Using money transfer to pay off existing money transfer?
My money transfer 0% with Barclaycard has 2 months left to run but I still havent paid off the balance. I still have an offer for another money transfer. Can I just take out this second transfer and pay into my bank account, then use this money to pay off the first money transfer? This would effectively stretch the…
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Section 75 Rejection
I bought a car a few years ago that had issues that were never fixed. I was advised to finally contact Section 75 to get my money back, but they have rejected it stating the debtor-creditor-supplier chain was broken, making Section 75 protection invalid because I had bought the car through a car broker. The credit card…
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Big problems trying to close credit card account
I wonder how widespread this problem is. I have had a credit card with JL Financial Services, and my daughter is a second card holder. We decided to close the account, which has been paid in full every month. It turns out to be nearly impossible to close the account. I've phoned, I've emailed through online account, I've…
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Sainsbury's credit card - how long until balance transfer completes?
I recently got a Sainsbury's credit card with 0% on balance transfers. At the time I signed up I requested a transfer from MBNA, which apparently was due to complete after I activated the card. However, it's now been a week since activation and no sign of any transfer? Earlier this week when I logged into the Sainsbury's…
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How does an additional cardholder use the new John Lewis Credit Card App, please?
So I am an additional cardholder for the new John Lewis New Day credit card. I want to use the JL credit card app. The main account holder has a username and password, but I want the app to have my phone number not hers, so if it needs to do any verification I get the text message. The main cardholder has registered and…
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Barclaycard ‘Scam’ - not taking full amounts by Direct Debit
I have a Barclaycard and have set a Direct Debit to pay the statement amount in full every month. For the last three months, I’ve been getting texts, just before the payments are due, stating ‘We’re taking xxx.xx amount as a direct debit. Please note this does not cover the full statement amount’ is this a scam - just to…
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Aqua call centre
Has any one experience getting hold of Aqua on the phone I was on hold for over hour first time and it cut out and 45 minutes the next time and it cut out.. when’s the best time to contact them? What’s the usual waiting times? I managed to get hold of someone via chat but I’m wondering I just changed my mobile number via…
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Credit Card in Retirement
We're considering retirement before state pension age. Currently my plan is to leave personal pensions untouched in the first instance, that's to keep my options open if I end up working part time or something so would still be able to contribute. So effectively for the first couple of years we'll have no official income…
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Aqua credit card- buy now pay later
How do I know I have buy now pay later- on the back of my card (when receiving it) there was a list of aprs and balance transfers ect.. on but now pay later it says three months- if we let you know at the time: does that mean I have got the promotion it’s in promotion offer period box..
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Balance Transfer Card
Hi I am hoping to get some guidance on my situation (I cant find the answer on the forum). I am going to spend £5k on my current credit card, which I want to transfer to a balance transfer to spread the cost. My question is can I apply for a balance transfer card, before I spend the money on my current credit card. Many…
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Section 75 Query
Hello, can anybody advise? If I have excess credit on my credit card due to a refund of (£3000) and I make a purchase on something, would that purchase be protected under Section 75? As I would be purchasing something with my own money (excess credit) instead of borrowing from the credit card I'm confused. Thank you
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Aqua credit card envelope
I live in a hostel and just got accepted for aqua credit card are the credit limit and card and pin in plain envelopes? The mailbox is shared and I don’t want them to know I’ve gotten a credit card..
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Amazon Classic or Platinum holder? Your credit card will stop working sooner than expected
Amazon has brought forward the date from which its Classic and Platinum Mastercards will stop working. Read the full story: Amazon Classic or Platinum holder? Your credit card will stop working sooner than expected If you haven’t already, join the forum to reply.
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Section 75
Hello, I bought a used car and collected it from a dealership on 02/09/2022. In less than a few hours hours I noticed a fault with the car. The inside of the car was filling up with the smell of burnt rubber / oil and there was a rattling noise coming from the engine. I took the car to my local garage who diagnosed…
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Prepaid Mastercard currency conversion
Apologies if this is a dumb question, but I've never used one of these cards before.My son has just returned from America where he was doing some work over the summer holidays. The company he was working for paid him by way of putting USD onto a prepaid Mastercard each week. He's just returned home, and has about 900 USD…
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MSE credit club card eligibility calculation faulty
I was looking for a credit card with a long 0% interest rate on purchases. MSE news bulletins would often highlight the Barclaycard Platinum as a top card for this, but the Credit Club was telling me that I wasn't eligible. Eventually, I decided to apply anyway and, lo and behold, was accepted immediately for the full term…
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New To Credit Cards
Hi all, I'm looking at a 0% interest credit card for up to 24 months. The questions I would like to ask are as follows:- 1) If I do not purchase anything at all am I still charged a monthly fee ? (just out of curiosity wanted to know this) 2) Lets say I apply for a card and get accepted, does this mean the 24 months 0%…
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Credit card that allows second card holder at different address?
I have a John Lewis Partnership card with a second card holder who lives at a different address. Newday (the new provider) doesn't allow the second card holder to be at a different address. I contacted Nationwide and they do allow this for their credit card. Are there any other cards I should be looking at? Thanks.
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Amex Credit Review for New Customers
Hi, has anyone had a similar experience with Amex as this? I replaced my rewards card a couple of weeks ago with an Amex one. So far had no issues except a few places that don't take Amex, but last night I finished work at 5pm and ordered something on Amazon and it said payment declined. Upon checking my emails I saw I had…
