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Refund not received: How soon can I do a chargeback?
Hi all, I am waiting for a refund of over £400 from Karen Millen online. I bought the goods on my Santander credit card. They have received the returned clothes and sent me an email to confirm this; this email said that I would receive another email in "up to 4 days" to confirm my refund had been sent. However this was 14…
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CIFAS Marker Hell
Hi My husband had a CIFAS marker placed in his accounts last year after he was the victim of a rather unpleasant and sophisticated fraud. The whole experience was horrendous and at the time we were grateful for any measures to prevent further fraud happening. Fast forwards 12 months and we are finding it almost impossible…
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Credit card scammed after using booking.com
I made 2 hotel bookings via booking.com last week. Both were pay later bookings. An hour after my bank contacted me to say suspicious transactions had been made on my card. One was £0 from Data Trans AG based in Zurich. The hotels were in Spain and booking.com is based in Amsterdam. I have no idea who Data Trans AG are and…
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Disputing a transaction on credit card with scam retailer
Hi , we just noticed a series of 3 recent transactions on our RBS creditcard mastercard one month apart £39.99 each. Never heard of the business PYD*be-chef.club Harlow GBR. Search on trust pilot reveals others have the same issue -an unwanted subscription triggered by a pop up while making a legitimate purchase on a…
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Transfer an Existing Balance Transfer to another Bank’s Balance transfer deal
I have credit card with £7,000 balance transfer at 0% that will soon expire. I see my other bank has a credit card balance transfer offer for 18 months. Is it normal or ok to transfer a balance transfer balance from one credit to another banks credit card? Do I need to do anything special or extra? Or is it standard to do…
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Should my son get a credit card to help get car loan or will it hurt?
Hi. My son is thinking of applying for a car loan. He works for the NHS, lives at home and has plenty of disposable income but no credit history. I told him ages ago to get a credit card and pay it off each month but he didn’t. If he gets a card now, will it look worse on credit history as he’s applied for credit card…
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New to the UK: Getting a credit card
Hi everyone, I moved to the UK in August 2024 and I have been struggling since then with the UK's credit system. A friend recommended me this forum for advice (already a while ago) and I have seen some threads. So here are some details: When I arrived amongst the first things I tried to do was get a Barclaycard, and the…
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road trip to usa, 14 room security deposits! which type card?
Hello, Everyone, hope you are all well.I am going to do route 66 next year, one son will be coming aswell as his girlfriend.I don't have a credit card, son & girlfriend don't have them either-Looking at the trip, we will spend 14 nights in motels along the route.Room rates vary a lot, as it's a mix, not just one chain,…
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Inadvertent purchase on credit card which has a 0% money transfer deal on it
I have a credit card with which I have taken advantage of a 0% money transfer deal ending in December 2025. Up until now, I have avoided making any new purchases on this card but, to my dismay, I missed noticing a recurring renewal assigned to this card which is now in the process of being paid. Is there anything I can do…
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Amazon Barclaycard, are people closing their normal Barclaycard for this?
There is a lot on here who have the card, but there is a limitation that you cannot apply if you have a normal Barclaycard. So curious if people have found a way round it, or they just cancelled and waited 6 months to apply?
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Santander Edge Credit Card Credit Limit
I’ve just applied for this as I have a Santander bank account to replace my Chase for cashback. Has anyone got experience of changing credit limit, just looking and they’ve only given me £700, so I’m never going to maximise cashback on that basis. I already had a Santander All In One Card which I’ve got a credit limit if…
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Need help re: Debt Collection
Hi, I'll try to keep this brief, but essentially I need some advice on how to proceed. The back story is i got behind on a credit card with payments, i reached out to them to explain the situation and request if i was able to be put on a payment plan to clear the balance and then was going to close the account. I didn't…
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Does section 75 cover a dodgy holiday booking?
Hello, We are looking to book a villa in Sri Lanka. We have researched the place and checked out reviews/Google maps etc and it looks legit. It's much cheaper if booked through their website rather than Airb&b (we found the website separately, not through them telling us about it) but we then lose the protection of Airb&b…
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Merchandise Interest really high
I've not spent anything on a credit card for about 6 months but have recently started being charged Merchandise Interest on the credit card. I currently pay about £100 a month off the Credit Card and then £60 gets taken from that 100 as Merchandise Interest meaning I'm effectively only taking £40 a month off a credit card.…
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Failure to respond to KYC resulting in ‘Arrangement to Pay’
On January 18th 2025, Amex cancelled my British Airways Premium Credit Card after 10 years of being a cardholder. This was due to my failure to respond to the ‘Know Your Customer’ request, as per legislation. I have no issue with the account being closed and have never requested it to be re-opened. I no longer wish to be…
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Is there a downside to making only minimum payments on an interest free debt?
I have a longstanding debt with Capital One which I have been paying down gradually over many years. With a remaining balance of around £2750 they have now written to me and advised that they will no longer be adding interest or charges and, so long as I continue to make minimum payments, will not count against my credit…
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Contactless Cards Changing Money Amounts
I’m all for our banks to settle an amount we can have contactless, with the new rules coming in, I would like to temporarily increase this amount for plumbers etc as I can’t leave home to get cash out. We should be able to change the amount via our banks website page and add a reason why just like if we were paying others…
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Has anyone ever made an unaffordable lending claim?
Any advice on how to go about an unaffordable lending claim? I was given a credit card at 18 for into £3k debt and was never able to pay if off, debt got sold to PRA and I was given a CCJ about two years ago. I want to get it removed as I believe it was irresponsible for them to lend me that when I had no clue about money!…
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0% off with a balance
So all cards on 0% are on course to be cleared but 1 was always going to have a balance on it at the end looks like it could be around 2k on it by the time my 0% runs out. My HSBC card currently has a offer on it for 18 months 0% this card I think has a around £2,600 left on it and the current 0% deal it on has 7 months…
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HSBC - new card signed up for but zero communication?
Signed up for a HSBC CC on Friday night - was accepted & it said I could create an online account once I receive my card (within 5 days) Assuming the card will arrive this week but I’ve not received an email or any communication so far. Is that normal?
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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