-
New to the Credit Cards board? Start here
💳 Useful threads on this board * Best Balance Transfers Discussion Area 💳 Related content on MoneySavingExpert.com * Our main Credit Cards page * Our Getting your first credit card guide * The Credit Card Eligibility Calculator * Credit Club * Our American Express tips & tricks guide 💳 Other boards on this forum * Our…
-
browser banking v mobile app
I needed to get into my nationwide mobile app account but for some reason the mobile app was down, but the browser version was apparently still working so I logged in, but was told to fully log in nationwide would need to send a verification notice to my mobile device ( the app ) but my app version was down ! so not much…
-
Balance transfer card or Interest free card
Hi, was wondering if someone could help. Is there a difference between a Balance transfer card and interest free card. My interest free card is about to expire and wasn't sure if I should pay it off or apply for a balance transfer card. My question is if I switch to a balance transfer card, can I use it to purchase items…
-
Transferred balance, should I reduce credit limit?
Hi, I've just applied and been accepted for a zero per cent (Virgin) balance transfer card, transferring £8000 and leaving my existing (MBNA) card with next to nothing on it. I'd like to keep that existing MBNA card for day to day purchases, leaving the balance transfer Virgin card with only the zero per cent balance to be…
-
Barclaycard rewards questions
Hello So I'm travelling to Europe next week and don't use my debit card at all for spending so ive disabled for International spending etc. I have a Barclaycard rewards card that I use for day to day spending but I cant see any card controls on the barclays app so I'm not sure if the spending controls on the debit card…
-
Credit card direct debit cancelling
I'm selling my house and buying another, I've got a lot of equity, I have a mortgage ready and my mortgage company have put within my mortgage that when completion day comes my debts have to be paid off and my solicitor has to check that they are clear, my question is as I'm clearing off my credit cards they are due on the…
-
Credit Cards - Fees on Gift Cards
For the second time I have been charged a cash transaction fee on a Caffe Nero gift card. The first time the card company and vendor blamed each other so I decided to use a different card this time - with the same result. I called MBNA to query it - expecting them to blame Caffe Nero - but instead the representative…
-
How long does it take to get a refund?
I used my Visa card to buy some goods from Asda on Saturday afternoon, 3:05pm total £75. I returned one item as it was priced wrong on the shelf. Returned £11 at 3:10pm. I have both receipts for the purchase and return. Both receipts say "payment approved", "Refund approved". On the same credit card number. Only the…
-
Legit balance transfer flagged as fraud
I called NatWest to do 3 transfers for me over the phone. Later when I checked the app those transactions were being reversed, and I received a text message from the fraud team. I called them and said it was me calling the credit card service. They said it has to be escalated to another team, and told me to call again to…
-
Help me to understand my credit card statement
previous balance 2137 Debits 556 Credits 269 New balance 2424 Transaction balance 955 Interest 10.05 I can’t even make interest plus credits plus debits come to 955. What am I missing? Please please shed some light on this. Last month’s statement had the same issue I think.
-
Section 75 advice relating to a graphics card RMA.
I purchased a computer graphics card in November using my credit card; the card was £600, so above the threshold for section 75 cover. Unfortunately, on the 5th Feb, the card developed a fault during use. There was an electrical arc sound, and smoke came from the back of the card; the card still appeared to function. I was…
-
M&S Data Breach Compensation
I received a text asking if I want to start a claim via. jointheclaim.co.uk I’m never sure about getting stung for charges with these firms if the claim fails so obviously a bit nervous about doing it.
-
0% Credit Card purchasing options
Hi all, First post. Apologies in advance if this has been asked and answered elsewhere in an earlier thread. I am looking to apply for a 0% CC to make a purchase of an used car for my child. I am buying it from a private individual and was hoping to move the money from a new CC to him, I guess via a bank transfer or…
-
Halifax Clarity card moving from MasterCard to Visa
I've had a Halifax Clarity card for many years, originally acquired for its cost-effective handling of transactions when abroad. One additional benefit I have perceived with this arrangement in the past is that it is on MasterCard, thus providing an alternative clearing infrastructure if Visa isn't working for some reason.…
-
Section 75 claim advise
Hello, Have timeline as below. I feel like the bank is going around in circles and putting the onus on me to reach a resolution. In brief sofa's delivered May 25 purchased from high street furniture store. Reported a fault by email and personal visit same day. That began a long process with no help from trader so made…
-
Halifax Clarity card change to Visa !
Hi All, Ive had Halifax Clarity cards for years for spending abroad cheaply, they have just changed my credit cards to Visa as it was Mastercard, with the clarity card there was no hidden charges but with the new Visa cards be aware there is a Foreign exchange loading of 2.95% and ATM withdrawls cost 5% ! So no longer…
-
Should I cancel my old credit card?
Hi, I am on disability (low income). New here, bear with me. On my RBS credit app it says that having a credit card limit of above £4K would help improve my credit. My credit is currently in the 'Excellent" category for all three bureaus. I just wanted to pop it up a bit as the advice was to get a higher credit limit over…
-
Do I have any options left?
Hello, I am hoping to get some advise please. Back in December 2020, I made a £360 hotel booking using my Amex charge card for a stay in February 2021. The stay was subsequently cancelled by the hotel due to the COVID lock-down. At the time I was happy for the hotel to keep the cash and for me to have a credit. Ultimately…
-
Revolut Card - maximum deposit
I have just got my first Revolut Personal card but I find the Help a bit vague about limits. I will need to put a large amount on the card occasionally (£20K or more) from my bank account. Help says there is no limit for bank transfers but it also says there is an automatic limit on all cards. So which is it ?
-
Is Shop Pay safe/legit?
There's something I'd like to buy online with my credit card but the only option in this particuar store is to use Shop Pay. I've never heard of it, and googling doesn't seem to indicate anywhere I can look to tell me whether it's legit. Is it safe/legit? If so, how do we know that?
-
Paypal Credit
B and Q would not accept payment from my Paypal account using the credit account. I had to select their Paypal credit option at checkout for the payment to be accepted. Why do B and Q need to know what Paypal method I am using? I have not had this experience with other sellers.
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: Buying discounted gift cards with credit card by Nasqueron
1 April at 10:41AM
