-
Which credit card companies uses which credit agency?
I just applied for a Tesco bank credit card as I'm very close to my 12 month interest free ending this month. Dismayed to be turned down though, whereas a year ago had no problem with Virgin money (the card I'm wishing to transfer balance from). It said on the decline page they used Transunion. I was hoping to apply for a…
-
Section 75 associated costs
Hello MSE hive mind! I recently had a flight cancelled in the USA due to adverse weather and had to book into a hotel overnight until I could get the new flight. I have tried to claim the associated costs through my American Express but they have come back saying that there wasn't a breach of contract so can't be refunded…
-
Maths question - Pay off 0% spending card with savings or balance transfer and keep savings?
A while ago I had a large purchase to make. I had the money in savings but decided to keep my savings and make the purchase using a Tesco 0% spending card while just paying the minimum amounts. The 0% period is nearly over and I planned to pay the card off with my savings until I received an offer from another of my…
-
section 75 claims/consequential damages
is there any one that know section 75 law well recently I purchased a dash cam and fitting from halfords with my amex card they spent nearly 3 hours trying to fit it before giving up. doing around 1300 pounds worth of damage to my dash board and cars interia trim. they refunded me for cam and fitting and admited damage I…
-
Questions from credit card newbie
Apologies in advance for what may be a stupid question, and the long thread for what is essentially one pound of interest, I am just trying to understand how things work I’m a bit embarrassed asking this as finance is actually my area, but consumer credit is not something I’ve ever touched either professionally or…
-
Nationwide blocked my credit card while abroad
In the middle of my holiday Nationwide blocked my card. I kept trying to use it thinking it was just some transaction/contactless error like you sometimes get. When I got home they'd sent a letter telling me it was blocked. I complained because 1. they shouldn't have blocked it, there was no fraudulent activity and 2. they…
-
Card details saved with stripe.com
I have just completed a booking for a restaurant which couldn’t take payment of the deposit by credit card over the phone, but sent me a payment link. After I’d put in my card and personal details, there was no way to progress the payment without saving my card details through an entity called “stripe.com”. I prefer never…
-
Credit card or loan
I owe £24000 on credit cards. Most of them are reaching the end of the introductory offer at 0%. My credit score is OK according to my bank app and just 4 points off good. Although I earn a decent wage, I have ADHD and seem to have a problem shuffling my credit cards. Would getting a loan at 6.1% be better and pay it off…
-
Section 75 refund – credit card
My golf club may go into liquidation – I have paid an annual subscription on credit card from April 24 to April 25 – do you think this would be covered by a credit card refund?
-
Should I cancel my credit card under these circumstances?
Hello, I had an AMEX Cashback Everday with a £15,000 limit. I manually changed the credit limit to £2,500 (long story) at the same time as taking out a new AMEX BA Premium card, again, with a £15,000 limit. My credit score has taken a really big dip across all CRA’s as a result of decreasing the limit. My question is, if I…
-
Barclaycard balance transfer how long in all?
Hi All The first time I have used a balance transfer in ages, I got a e-mail from Barclaycard (Thursday evening), stating the transfer has been completed, but the balance is still showing on the other card today Saturday. Does this take a number of working days to show the other end and wipe the other card balance. I might…
-
MBNA Cash Fee?
I carried out one transaction on last month's MBNA credit card which was a PayPal transaction and I have been charged an additional cash fee which was for a few pounds. This has never happened before. Is this a new MBNA fee?
-
Probable scam
So I just received an email saying Your package from Bezos DPA has been dispatched. Amazon Shipping will organise delivery. It has a button "Track Package" with a tracking number. When I click on the button it takes me to a site that claims the tracking number does not appear to belong to my account and asking me to…
-
Swagbucks gift cards
Apologies if this is not the place. Can anyone tell me if Swagbucks Gift Cards for Tesco, can be exchanged for groceries or are they for non-food items only ? Don't want any gifts but could sure use the groceries !! Thank you in advance. Can;t find any info on the Swagbucks site about this.
-
Any cashback that is worth it, at least 5% minimum?
I still do some monthly expenditure on my old capital one card, pay in full every month. Which is basically now days my only CC balance. Keeps my credit history active. However this card has no cash back, I have recently started accepting lloyds cashback offers on my debit card, and is quite nice, the offers are typically…
-
Low minimum payment
I have a credit card at 0% Barclay Card and the minimum payment on 5000 is about 185 a month. I read somewhere they were cutting the minimum payments but that hasn't been applied. Is there a way of finding out the minimum payment before applying for a balance transfer? Or do I contact Barclays and ask for this new minimum…
-
Tesco Customer Services e-mail address
Anyone know one? Very deaf and can't get the hang of Relay. Otherwise getting a visit from a helper or sending a letter. TIA
-
Scam website Subscription and Credit Card Payment
Oh guys! I need your advice! I came across a link on Facebook last night offering a Stanley Cup for £3 (I should have known!) I paid the £3 by my credit card and then realised afterwards it’s signed me up to a subscription with Azbuds for £45 a fortnight! I have emailed them to ask them to cancel this ASAP (as advised to…
-
What is the benefit to credit card companies of a 0% balance transfer fee 0% interest card?
I’ve always paid off such cards before the interest free period ends and get how the debt could benefit the card company if I failed to pay it off but as I think many people do this stoozing I wonder if there is actually some benefit to the card companies even if the card is not used for spending and the balance is cleared…
-
Help!
Hello all, and thank you for accepting me! I really need some help. I recently found out that we have a lot more debt than I thought. My husband deals with all our finances, he always has done. I knew we had quite a bit of credit card debt and a car loan, and a loan he’d got out in an attempt to control our CC debt. We…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
