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Barclaycard Limit Slashed From 7500 - 2150
I received an online document on the 11th October stating that my credit limit is due to decrease from £7500 to £2150 on the 16th (today). I had absolutely no idea about this until I received an email this morning stating I am near my credit limit, which I thought was strange as I knew I was not anywhere near the 7500…
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HSBC credit card length of promotional period
I took a new card for 0% purchases in July, but I can't find anywhere that tells me how long that promotional period is (yes I should have written it down at the time)! Current offer seems to be 20 months but I can't find it written on my statements or in the HSBC app (not tried the website OLB yet) so it might have been…
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American Express credit card chargeback rebilled after 7 months
Sorry to reignite an old debate. I used an American Express card to pay for a number of hospitality tickets for a football event in Spain in November 2023. The service was not as described and I contacted the merchant to resolve. They flat out ignored my requests after 2 months of trying politely. I had a couple of replies…
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HSBC Visa Credit Card - 10% cashback offer (1st Oct-31st Dec 2024)
Just received an email from HSBC offering 10% cashback for 3 months on groceries, fuel and UK travel (up to £50 per month) with my Visa credit card. 5 purchases or more on the above will be required too. Keep an eye out for an email as you have to opt-in by the 30th September 2024. You probably have to be an existing…
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NatWest didn't want to offer me a card, but is it a rejection/refusal?
I went online to apply for a credit card from NatWest, after I put my personal details, I get an error that I can't continue with the application. I gave them a call to ask and I was told they can't offer me a card now, and they can't say why! This comes as a surprise to me, as I have never had this before, my credt score…
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Pre Approved Website Error
Hi All, I would like to consolidate some credit cards onto one interest free card and had used the MSE tool to find a good deal. I had selected HSBC and completed their online form. The issue is after I hit submit, I was met with an error page - see below. Should I expect to see a credit reference check on my record if the…
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s75 Claim on a second hand faulty car purchased from a dealer
Hi All I bought a car from a dealer paying a £500 deposit by Halifax credit card. I identified several faults with the vehicle before purchase, which the dealer agreed to rectify so long as I paid the full sticker price. The dealer delivered the car 4 weeks later with only one of the faults fixed. The airbag light had also…
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Wiping debt emails
How long after sending mental health and debt form will credit cards respond? Will they likely wipe the debt or 75% off? Regards
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M&S credit card - 10% cashback, misleading?
I'm a tad confused - I've received an email from M&S which says that I can get 10% cashback, to a maximum of £50 per month, but in order to get this I have to spend £800 per month. But... 10% of £800 is £80 which would mean that the cashback is in fact 6.25% (if my maths is correct). I honestly wondered whether the email…
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Santander CC - approved, timed out due to bank error and then subsequent application rejected?
Hi everyone, apologies as this is a lengthy saga... I am 44yo, separated from my wife in January 2024. We had a small (around £4k) debt on an RBS credit card which was in her name and agreed to split this debt equally. In the short term I just paid my ex £100 pcm so she could gradually pay my share of the debt off. However…
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Section 75 / Chargeback Refund Issued
Hi all, Hope you’re all keeping well. I was wondering whether there were any experts on S75 / Chargebacks. Initially I raised a claim to Barclaycard at the end of April 2021, I attached the evidence via their online form and off it went. I didn’t hear anything initially, and I called several times for an update between the…
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What should I do after paying off my credit cards
Hi all, I’ve got about 3 seperate credit cards, I decided to pay them off and put them onto a loan as it will allow me to pay them off faster. Now that they are all payed off do you recommend that I close them or should I keep one or all of them open?
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Am I a Homeowner?
When applying for credit, what option shoild I tick? Homeower - with mortgage OR renting? I live with my husband, he has a mortgage (in his name only) for the property we live in. I am not named on the mortgage at all, but we are married. I do, however, pay a set amount into our joint account each month which is used for…
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FOS Time Scale
Hi All, I started a case with the financial ombudsman with a complaint against Aqua Credit Card. My complaint has been upheld by the investigator but as Aqua have not responded with in the time frame then it has been referred to the Ombudsman to look at. Has anyone had experience with this, or have any idea what the time…
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Does changing your credit card effect your credit report for first time buyers
I have had a post office credit card for around 1 and a half years (never missed a payment) however there are no benefits to it. If I change cards, will this be a bad move with me looking to buy my first place in around 6 months time? Thanks
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Is it worth applying AMEX
Hi there, currently i have a score of 812 on experian and 512 on equifax/clearscore. I have 3 credit cards already totalling to £2200 limit. The amex checker is saying i am ineligible for the AMEX cashback card but MSE says i have a 80% chance of getting accepted. Is it worth me applying? I have only had my 3 cards for the…
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Nationwide Eligibility Checker
When you do an eligibility check with Nationwide how does the soft search show on your credit report in the soft search section?
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Credit issue.
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NatWest application online message
I went through MSE eligibility checker and got 100 per cent pre approved NatWest offer but when I go through to NatWest and fill in the first page name phone etc it immediately says: Sorry we can’t go ahead we can’t continue with your application online There is no follow up email or anything, is this a rejection or some…
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MBNA credit terminated with immediate effect?
Hi, Posting on behalf of my mother. She is a pensioner and applied for an mbna card with a 0% spending offer. She has cash in the bank and a good credit history, only other credit is a barclaycard which has a zero balance. MBNA granted her the card, she used it and was servicing the card for about 4 months when she logged…