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Sainsbury's Bank sold to Natwest
https://www.about.sainsburys.co.uk/news/latest-news/2024/20-06-2024-sale-of-core-banking-business-to-natwest-group Unlike Barclays purchase of Tesco Bank, it doesn't seem this deal includes ongoing usage of the Sainsbury's name, so Sainsbury's Credit Card customers will become Natwest (or I suppose maybe RBS or Ulster…
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cancelling a dispute with airlline
i raised a dispute with airline as they were unable to book special assistance. cc company have now told me it could take 45 days to resolve, and i may lose my money if the airline cancels the flight and dispute goes in their favour. flight is on friday, so i asked cc company to cancel the dispute as i cannot afford to…
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Balance Transfer an existing Balance transfer?
Hello all, A few months ago I completely a Balance Transfer and the terms on the new card were 21 months 0% interest to pay off the Balance Transfer and an additional 3 months 0% on purchases. I made an error however. I believed the 3 months 0% purchase balance could be paid off in 21 months time. Unfortunately I have had…
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Barclaycard PD question
Hi all, newbie here, looking for some advice. I am paying the minimum monthly payment off my Barclaycard each month via DD. They contacted me to say that I am in a Persistent Debt situation and it will take 35 years to pay off the £8166 by just paying this amount each month. The suggested amount to pay it off in 3 years…
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Unauthorised conversion into Sterling
What to do if a merchant makes an unauthorised conversion of a payment into Sterling on your card? Naturally, it's at a very poor rate. I have screenshots which show the EUR amount which I agreed to. I have complained to the merchant, who just keep referring me to their useless chatbot, and to curve, through whom I made…
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Student loan and credit card balance transfer
Hi, I'm on have a student loan on plan 1 and as at today owe £6820.07. I borrowed 4k in 1999 and I'm making very slow progress paying it off. I've considered paying it off with my Halifax credit card, then doing a balance transfer to my new HSBC 0% for 31 months credit card. Take the £200 ish fee and get the lot paid off…
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Barclaycard Rewards
Just received email from Barclaycard We’re relaunching our Barclaycard Cashback Rewards service in the app and changing the name to Barclays Cashback Rewards. Keep an eye on your inbox for more news and updates soon. Wonder what other changes are in the pipeline beyond the name change ?
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Barclaycard Interest Rate
In 2015 I took out a Barclaycard Platinum card which offered an interest rate for purchases of 6.5% for as long as you had the card. Hard to believe now, but that was the deal. It appears that a couple of years ago they’ve started slowly increasing this and it’s now up to 20%. I accept that I have been a bit slow to spot…
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Combining credit limits on cards with same provider (Virgin)
Hi, Has anyone any recent experience of requesting credit limits be 'merged' when you have two (or more) cards from the same provider, in order to get one large limit on a better card, and then close down the old card? I remember this being a thing in the early stoozing days with MBNA, and maybe Virgin and typically I've…
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Unidentified Credit Card Charges
nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. Is Nationwide obliged by its terms and conditions to identify…
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Credit Card fraud keeps happening on my account
Hi all, 4 weeks ago I noticed that my credit card details had been stole and a lot payments had been made which I didn't make, after phoning the fraud department they cancel the card and refunded me all of the transactions and they gave me a new card. They also gave me advice, not to save the new card to any websites. 4…
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Loss of 0% Interest Rate With Cash Transaction Fee Added?
Hi, I have a Nat West credit card on a 0% purchase and repayment basis. Balance varies but try to keep around £1000. I recently bought a £50 Waitrose/John Lewis gift card online as a thank you for my son/daughter in law using the credit card. Total gift card charge was £52.75, but I see there is a cash transaction fee of…
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Which Kind of Direct Debit for Card?
Setting up a Direct Debit to pay the Fluid Credit Card, there are 3 main choices. * Payment Requested - Contractual minimum payment:plus an optional recommended extra payment which may vary depending on your balance * Fixed amount: Allows you to pay a set amount each month. If this fixed amount is less than the contractual…
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Barclaycard Amazon joke
Recently applied for the amazon barclaycard, simply to get the free £20 credit on amazon. The credit came through really quick, the card came a few days later. It tells me i have to register it on the barclays app, which i try and do but it always hangs with an error message. I phone barclays and they try various things…
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Amex Welcome Gift
Hi! I’ve recently signed up to the Amex preferred rewards gold credit card to get the 25k bonus points when I’ve spent £3k on it in the first 3 months. i subsequently read that the offer ends on the 14th October. It’s not clear, and I can’t find any info, on whether that means I need to physically spend £3k on it by then,…
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Halifax Clarity Credit Card
For years I've been using this abroad for spending as it was fee free. Just noticed it no longer appears on MSE's list of recommended cards for spending abroad - so just checking it is still fee free and that I haven't missed any changes to t & c? Thanks in advance
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MBNA can't refund credit balance
I'd had a 0% balance transfer coming to an end and realised that the last DD would be taken the day after the offer ended leaving me with the problem of paying a bit of interest. OK 1 day interest for £250 wouldn't be much but it would annoy me. So I paid the final £250 early to clear the balance. I suspected that they…
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Halifax balance transfer
Hi First post as I'm trying to figure out what this means before I do it. Halifax are offering me a balance transfer of 0% over 15 months with a 3% fee or 5.9% per annum over 30 months, no fee. Can someone simply explain the cost of the 5.9% per annum if I were to transfer £2000. This account is currently at £0 so no extra…
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Section 75 eligibility.
Hi. My son is buying a car. He does not have a credit card. If my husband pays the deposit on our credit card or even all of it on our credit card does this invalidate Section 75 protection? The car will be registered and insured in son’s name at the point of purchase. Thank you.
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Can't find Virgin zero fee CC on their website.
The Money Tips Email has a link to a Virgin Balance transfer credit card with 0%, 13m and zero fee. It only takes me to the eligibility checker, with no link to the actual website. When I looked on Virgin Money site there was no zero fee card there. Can anyone else find the link ? I don't want to fill out the checker.
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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