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Section 75....Have I understood this correctly?
If a family member buys a holiday or other item for over £100, but below £30,000.01p, but I pay for it with my credit card and the family member in turn pays me, the purchase does not get Section 75 protection. Is this correct?
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How does a 0% purchase CC work in reality?
Hi, have a quick question regarding maybe a purchase using a 0%purchase CC, I have seen one for example that gives you 0% on purchase for 24 months. So say for example you had one of these cards and you wanted to make a decent one off purchase. Could you purchase it on the CC then over the course of the 24 months pay it…
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Credit Utilisation and closing card
Once I have paid off a credit card debt on a balance transfer card is it best to close the card or keep it open ? I am thinking if i leave it open I would have a higher credit limit on my credit file and therefore a lower utilisation percentage.
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Sainsbury's doesn't match the Credit Club offer -- what can I do?
I checked my score on Credit Club before applying and was told I was 100% guaranteed for a 22 month 0% balance transfer offer. I applied but the application process froze midway. Waited for several minutes. Moved closer to the router, tried again and was only offered 14 months and a 1% balance transfer fee, an offer which…
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Potential section 75 claim for cancelled solar panel contract
Hi there, In April I ordered solar panel and batteries from a company for £12.5k and I paid the £100 deposit on my credit card. Last month, the company got in touch and said that they couldn't fulfil the order as per the original contract and offered a new contract for me to sign that was £14.5k and an older type panels…
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0% transfer with existing balance
Hi I have a MBNA credit card, which has a current balance which is on 0% APR (I can't remember exactly when this ends). I have just transferred another balance to this under a 0% balance transfer. I just wondered what happens when the first 0% ends? Are they treated as different balances? Can you opt to pay off the earlier…
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Existing and new 0% balance
Hi, I have a MBNA credit card, which has a current balance which is on 0% APR (I can’t remember exactly when this ends). I have just transferred another balance to this under a 0% balance transfer. I just wondered what happens when the first 0% ends? Are they treated as different balances? Can you opt to pay off the…
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Do all credit card companies charge to full months interest if you slightly underpay all owed?
Hi. I have been a happy customer of the Nationwide - for Flex current account and credit cards. I always try to pay off the credit card in full every month. For the last month I slightly messed up with my payments. Instead of paying off £1443.09, I paid £1433.09 - slight finger issue. When I asked why I had been charged…
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Tesco Bank - Credit Card Harassment
I am trying to pay off credit cards by paying off the higher rate interest one off first while paying the minimum on the lower rate cards. One of the lower rate cards is Tesco and being paid at the minimum monthly payment each month without fail. However, Tesco is the only Credit Card company that is relentlessly sending…
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Can I charge back if I didn't consent to the sum?
Hi, A medical clinic charged my card with several hundred pounds because apparently the procedure was not covered by my medical insurance (exemption was buried in the small print). At the clinic I signed some document, agreeing to pay something if there's an issue with the insurance. I don't have a copy of that document…
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I think my bank messed up my chargeback
In June 2022 I had a bad experience with a hotel that tried to charge us for damage that was there before we stayed there. I raised a charge-back with my bank and on 12/07 I received an email from my bank advising that the charge-back had been raised and the merchant now has 30 days to respond. All good so far. However, I…
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M&S default - help
I'll try and keep this short, if you want any extra detail please ask. I had a credit card from M&S and after some arguments I stopped talking to them and they applied a default to my credit file. Now if I try to apply for credit I'm getting refusals. So I've read that I have to prove M&S applied the default notice to my…
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mixed promo and non-promo debt on credit card -- which one am I paying off?
Hello, I have a credit card (MBNA), which has a promo offer: purchases made on the first 60 days are interest-free for 12 months. I made a lot of purchases (£8000) in the first 60 days and stopped, but then accidentally made one more smaller purchase (£35) after the promo period. This debt is not interest-free apparently.…
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1% Chase cashback vs Stoozing
I have a Chase UK account and a 0% spending Virgin Money credit card. If I use the Chase Mastercard for spending I get 1% on certain (i.e. most) types of spending. I've been working on the assumption that eligible spending on the Chase card is a better bet than stoozing into a 1.5% savings account, as the cashback provides…
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Best options when 0% Purchase CC ends
Hi, I just had my Nationwide Credit Card 0% purchase period end and I was wondering what is the best option for me. Facts: -I got the card for only building credit (spending about 25% of the limit only and paying it all off every month) -I have no balance left on it, I didn`t spend anything after the 0% period -I have a…
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New John Lewis Card
My wife has had a John Lewis card for years, so decided to apply for the new one which came through with an increased credit limit. She also been for a number of years doing balance transfers between cards, all being cleared well within the time, this time having purchased some Apple equipment from John Lewis for the…
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Credit Card company refusing a section 75 claim
We had a train travel holiday with Arena travel to Switzerland cancelled due to going into administration. Arena advised us that the holiday could still take place but we would have to pay again, but to Leger/Shearings who have taken the company over & therefore will have to pay again as its different terms & conditions.…
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Maximising credit card cashback but is this legit?
I have noticed a workaround enabling me to max out my purchase credit cards earning maximum points and cashback etc.. But if I keep doing this could I get into trouble. I am able to send a large friends and family Paypal payment to my partner which she can withdraw and send back to my current account to pay the card off…
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Credit Card Fees for transferring balance
Hi, John Lewis Partnership Card is changing provider and I’ve successfully applied for the new card. I have approx £3,000 on the old card. I have been offered a balance transfer rate of 0% for six months and 1.99% fee. Will HSBC (the old provider) charge me for transferring or will I only pay the 1.99%? Any advice what I…
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help.. missed credit card payment
good morning all, I have a current account, a mortgage account and a credit card with Nationwide. In Aug 2022 - i went online to find an insurance quote via go compare the market - a nationwide quote came up cheaper - so i accepted it. a friend of mine offered to pay for the insurance (a birthday gift) - so he completed…
