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Amex cashback 5% bonus
T&C's state you don't qualify for the 5% bonus if you've been a card holder in the last 2 years. Does anyone know if being a 2nd cardholder counts? TIA
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Refund from CC
Hi I am a Newbie, Need some advice please. Last Dec I bought 3 tickets to travel to India, but could not travel due to strict covid rules back India and I did not want to take a risk with my spl needs son. The travel agent said that I can use the tickets with 12 months. I tried calling them and emailing but no response…
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Can I double check Sainsbury's Bank offer made on MSE on a particular date?
Hi, I'm almost certain the MSE page showed Sainsbury's Bank offering 14 months interest free period and 0% balance transfer fee when I applied for their credit card on 22/9/22 via the MSE page. My balance transfer went through on 19/10/22 but I noticed that Sainsbury's Bank charged 1% balance transfer fee. Is there a way I…
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Wrong Information on Credit Request Increase
Hi - Random question which is causing me a fair bit of anxiety. I put in a credit request through my Virgin App but I'm fairly certain I put in the wrong income I'm fairly certain (I was half asleep when I done it) I think I hit 36000 (I'm not even sure if I hit this amount, but I'm fairly certain!) instead of 32000....I…
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Aqua credit card use, when credit score is good
I have had my Aqua credit card for over a decade. I needed it way back then, and my credit score is very good now, and has been for several years. Is there any disadvantage to keeping using this card? Or is it six and half a dozen? I always pay off the full amount right away. My thinking was along the lines that as it's a…
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Vanquis App
Is anyone else becoming hugely frustrated by Vanquis? Their app stopped working for me recently, and in spite of my complaint they don't yet appear to have a fix. Now I can't even access my statements from the desktop site. So annoying!
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Card Payment and Refunds
Just a quick question about payment to my Barclaycard. Say for example my statement balance for September is £1000 and I get refunds after this statement is generated and before I make the payment, do these refunds count as payment towards my September statement? So say i have £200 refunds this week, would I only pay £800…
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Linking credit card to paypal - good idea?
Hi, I have a Mastercard credit card from Tesco that gives me clubcard points when I shop. Would linking this card with paypal earn me points? At the moment I only have my current account linked so when I buy something through paypal (on Ebay for example), the money is taken from there. If I linked my credit card instead,…
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Almost £8k owed - chargeback or section 75?
Hi, I ordered a new conservatory with a total cost of £22k and sensibly paid the deposit of 8k via credit card in May 22 The business no longer has a website, FB page and their rating has been removed from checkatrade from 1st Oct 22. I contacted the credit card as it seems like they've either done a running or gone into…
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0% for 12 months (5% fee) or 4.9% for 36 months (no fee) - which is better?
My mum has two balance transfer offers - 0% for 12 months (5% fee) or 4.9% for 36 months (no fee) At first glance, I'm tempted to say that the 36 month deal is better, but will she end up paying more by the end? Will the monthly payments be higher? I searched for a calculator but couldn't find one.
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Access to Credit Cards for non working parents
Is anyone else fed up with not being able to get a credit card if you're a non-working mum/dad? I previously had a John Lewis Partnership Card which has changed the provider to New Day. They have made all existing card holders re-apply, as I am now a Mum I have been rejected and can't get any other credit card, despite our…
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Pay off loan
Hi all, I'm just looking at the switch to Nationwide and also their credit card. I see at the moment they have a 2 options, one is 18 months 0% on balance transfers and 0% for purchases while the other is 15 months for balance transfers and purchases. Would it make sense to use one of these offers, I'm guessing the 2nd…
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M&S credit card
Hi all… having completed Martin Lewis’s eligibility calculator online to look at credit card options, I just signed up for one with M&S Bank. Then I decided to search for reviews for M&S Bank and they look to be awful! Literally I’ve never seen so many 1* reviews! I think there is a cooling off period for this credit card,…
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Making money from money transfer
I currently have a 0% offer on my credit card of a money transfer (direct into my bank account). The fee is 2.6%, and the 0% lasts for 20 months.The card balance is currently zero, and I don't use it for spending. I've worked out that if I transfer 10K into my savings account (currently 2.75%), and pay the minimum each…
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Should I cancel credit cards I no longer use ?
Hi all, I have probably half a dozen credit cards which I have applied for for various reasons including helping my credit, balance transfers and 0% finance. My question, should I cancel these if I no longer use them and will that affect my credit score favourably ?
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Credit card getting rejected on-line
I hope that someone can help me. I am having a problem with my credit card (Mastercard). A few weeks ago, the details were somehow
stolen and some fraudulent activity took place. This was picked up by the card
supplier and I was notified. Fraudulent
activity was cancelled and the card cancelled and a new card issued. This…
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American Express® Preferred Rewards Gold
i applied for this and passed the credit check, the next step was them telling me they will let me know in 10 days weather they want to offer me one or not, is this the same for everybody were you get audited or is this some random check? i was hoping to get a card sorted today to start getting spending on it ASAP from now…
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Why has RBS charged me interest days after a transaction?
My 0% spending has just finished, but since then I have paid for some flights - on receiving on statement I see they have already charged me interest on this (around 5 days before the statement date). I thought all CC didn't charge any interest on any new purchases on each statement, and only if I didn't pay that off in…
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Credit Card For Student Doing Work Placement
My son is currently doing a year's work placement between his 2nd and 3rd year at university. I am happy to be guarantor if required and he will set up to pay the balance in full each month. I have recommended it for online purchase security, use abroad etc as opposed to his bank debit card. I have recommended a cash back…
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Sainsburys credit card nectar points offer
I got a Sainsburys CC, just for the nectar points offer - 8000 points if you spend £400 in the 1st two months after opening. I've looked through the t&c, in particular: 2. You’ll get 8,000 points if you use your card to spend a total of £400 or more at Sainsbury’s, Argos, Habitat or Tu Clothing during the 2 months after…
