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Late payment
I checked multiple times and my Lloyds credit card statement definitely says . "We'll take your Direct Debit of £3.58 from your bank account on 30/06/25." Payment due to reach account by 30/06/25. It wasn't taken. On the afternoon of the 30th I paid it manually from the current account. It's dated 30/06 on credit card…
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Virgin Atlantic Rewards Card
Some friends were raving about this card saying that they put all their spending through it and get free flights and holidays etc. Also it looks like you can use points to get flight upgrades to higher classes of seat. Does anyone have experience that can back this up? I was looking on the web site and it looks like it…
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Barclaycard - 0% Balance transfer offer - with Avios
Barclaycard has a very interesting offer this month – a balance transfer offer with Avios. It’s not something I’d consider atm, but if someone is looking to transfer their balance, they can get Avios for their transfer. Barclaycard Avios 1 Avios for every £1 you transfer Barclaycard Avios Plus 1.5 Avios for every £1 you…
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Hitting Amex 3k spend
Hi took out a amex gold rewards card for the reward points as I am going on holiday this year and thought I would easily hit the spending in 3 months. However as I found out some of holiday expenses won't accept amex like certain hotels. What other ways are there to manufacture spend.? I have already looked at utility…
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Got turned down for credit card
Hi I dont have a credit card at the moment and applied for a Barclaycard which I got turned down for. i have a Barclays Bank account which is in good order, I’ve not had any overdrafts, debts, CCJs, poorly managed loans or anything else I can think of that might consider me a bad risk. I’ve had credit cards, loans and…
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Credit card application
Hi, I've just been on the MSE website to check my Halifax credit card is still a good option to use abroad. I see it charges nearly 3% above the exchange rate, so I checked my eligibility for Barclaycard, as recommended by MSE. I have just retired. If I put my income from employment as £0 and my pension amount in other…
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Sustainability for Smartphones
The EU Sustainability Regulation (EU 2023/1670 for
Smartphones, Tablets & other mobile phones) should be coming into force
about now. This regulation applies to all ‘new’ products (in the above
categories) released in the EU. It mandates that these devices should be
properly supported for 7 years from the last date of sale…
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Using Barclaycard Reward Credit Card cash withdrawal to transfer money to current account
Hi, Can I withdraw GBP cash using my Barclaycard Reward credit card at an ATM and then deposit that cash into my current account, using it like a money transfer? Are there any fees or interest I should be aware of? Thanks
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Section 75 claim question - husband paid on his card, receipt has my name on it.
Total disaster, we are long past chargeback. Can anyone advise please if Section 75 of CCA applies, or best way to discuss with the credit card companies?Husband bought a bike for himself and in the same transaction paid the deposit (£750) for a specialist to adjust my bike frame and rebuild my bike on that frame with…
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Serious MBNA warning!
So I took out a 0% card for a big purchase. I was aware that the interest free period was for purchases in the first 2 months which I was fine with as this was all I got it for. However for convenience I made a fairly large purchase that I planned to pay off in full when the statement came through. I was surprised when the…
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Advice re Credit card Charge on house please
Hello, any advice on what I should do here to undo this gladly accepted ;) 2001 Credit card debt (Had some mental health issues and refused to pay card balance to bank as they had charged PPI I was upset about) Amount = circa £4K Taken to court and charge affixed to my property for the sum Debt sold to a debt agency who…
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Falsified credit report details
Hi, I'm looking for some help. My credit score is rather low currently and I noticed a credit card that has been paid off and closed down for over a year I raised a dispute with Equifax who have today replied that they got in touch with TSB who had advised that the credit card is still open and has £5000 owed to it. I have…
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Credit card interest when normally paying in full but not one month
Has anyone had experience with the above heading? I normally clear my credit card balance in full every month, and have done for many years. A couple of months ago, due to a cash flow issue, I decided to only pay £850.00 out of the £1311.17 balance. Nationwide credit card charged me £33.99 in interest. The interest rate on…
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Clearpay charging me the wrong amount for an Amazon order
I bought a book on Amazon for £18.95. No problem, order details stated £18.95 as the total. All fine book delivered. My big mistake was paying for it via Clearpay . They have charged me £21.82 and have set up payments accordingly. I have queried this with them but in spite of opening a dispute with Clearpay they are giving…
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Barclaycard Rewards Card - 0% Purchase Offer and impact on existing 0% balance transfer
Hi all I have Barclaycard Rewards Credit Card. There is currently a balance of around £2.5k on this card however it is 0% until July 2026. I have received an email from Barclaycard offering 0% on purchases until January 2026. If i was to take this offer, will I be foregoing my existing 0% balance transfer? TIA
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barclaycard Avios
i have held this card for some time, a friend is interested in this card as he cannot have an AMEX gold and get 35000 points as he's had one recently if i refer him as a cardholder he wants the free barclaycard as he can spend 20K on it easily in 12 months for the upgrade voucher will i get a bonus and will he, Do…
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Multiple 0% interest balances -- why isn't MBNA crediting payments against them in order of expiry?
I have two 0% promotional rate balances on my MBNA credit card. One of the promotional rates expires in March and the other expires in August. I have over the past few months been making payments to MBNA on this card, and I assumed that they'd credit my payments against the balance where the 0% rate expires in March.…
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RBS Credit Card
I have an RBS credit card and have had it for a very long time. I no longer bank with them but would like to be able to view my credit card spend and balance on line can anyone advise how to achieve this as when I tried to download the app it asked for bank account details. Thanks in advance.
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Credit card, charge back cover question section 75
Hello. As per the title. For many years the min spend is 100 pounds and max is 30k. Does this mean that if someone purchases something over 30,000, you won't be covered, or you will only receive a maximum of 30,000 back? I'm also aware that you can still be covered for sub 100 pounds, and if you used your debit card but…
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Vanquis Credit Card
I’ve had a Vanquis credit card for several years and recently was offered a 0% balance transfer which I took. I read all the “Important information” on their app. I continued to use said card for purchases. I have now received my statement and am now told that once you have a balance transfer you cannot continue to use…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Stoozing first time queries by kempiejon
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