-
BT lack of offers
Are credit files ( hard searches) checked when offering BT? I've opened 3 CC of late for 0% purchases (M&S, Lloyds & RBS) all now maxed out, but now my BT offers have dried up (Natwest, HSBC & Barclays) where before I has having them every month.
-
New Santander 3% cashback card
Santander have launched a new credit card, paying up to 3% cashback, with no f/x or annual fees. Details at https://www.santander.co.uk/personal/credit-cards/santander-rewards-credit-card
-
Vanquis Credit Card Fraud - Issues resolving
Wanting some advice please Daughter has a Vanquis credit card. Overnight on 12th May there were 12 transactions all for slightly different amounts amounting to over £600 debited against her card and all of which were to Vinted. She does have a vinted account but the card is not linked to that account and she only makes…
-
Which address should I use on Credit Club?
Hi everyone, So MSE's credit score checker here seems to have pretty limited options to select in terms of addresses and living situations. I am a student and have been renting a student property (sharing with others) for a year with another year or so to go until I move back home. We're all jointly responsible for the…
-
PRA Group pursuing mystery debt
I've just received a letter, claiming to be from Bank of Scotland, telling me that they have sold my credit card account to PRA Group. Now, I do have a Bank of Scotland credit card but I haven't used it for years and it should have a zero balance. The letter says I have an outstanding debt of £23,057.65. For a start, the…
-
Card Renewal Refused - Annual Fee Refund?
Today I received an email from Virgin Money telling me that my Virgin Atlantic+ card is due to expire soon and that they won't be issuing me a new one (no idea why because my credit score is excellent and I've never missed a payment or gone over my limit or anything). But my real gripe is that I paid £160 annual fee in May…
-
Natwest: how to freeze a card when both the card and phone are lost
I'm with NatWest, and I tend to keep my card with my phone inside a case. If my phone got nicked, I'll need to freeze my card pronto. It used to be that I could login to online banking to do that, but now that is impossible because I have to first confirm my identity in the phone app. This seems rather stupid. Instead of…
-
0% Interest Purchase / Balance Transfer
I bank with Barclays and have done so since I was 16. I have their debit and credit card and use it for daily spending and clear any credit balance on a monthly basis without incurring any fees. I didn't have any offers on my Barclays credit card so ended up getting a HSBC credit card with 0% interest on purchases for 18…
-
Statement vs Due Date Balance
In order to avoid credit card interest, do I need to pay the balance on my monthly statement or the balance on my account on or before the payment due date? My question relates to refunds. For example, lets say the statement balance is £500 which includes an online purchase of an item that cost £100. I return the item…
-
I find this almost certainly a Scam very concering
Hi folks, On a short break and had a call to my What's app, the caller with a very authentic UK accent told me that there was a transaction of £700 on my First Direct card ( I actually haven't had one for years) passed me over to a manager who enquired about my Barclays account as well and what balances (I do have a…
-
Physical Credit/Debit Cards vs Apple Pay
Hi Despite having Apple Pay setup with all my credit and debit cards, I've always carried at least 2 cards in my phone wallet and always used the physical cards for payments. However, recently when abroad, I went to pay for something with my credit card and it wouldn't accept it - presumably as at €150 it was over the…
-
MSE credit club down?
Is it down for everyone?
-
How long does it take to get a refund?
I used my Visa card to buy some goods from Asda on Saturday afternoon, 3:05pm total £75. I returned one item as it was priced wrong on the shelf. Returned £11 at 3:10pm. I have both receipts for the purchase and return. Both receipts say "payment approved", "Refund approved". On the same credit card number. Only the…
-
Halifax Clarity card moving from MasterCard to Visa
I've had a Halifax Clarity card for many years, originally acquired for its cost-effective handling of transactions when abroad. One additional benefit I have perceived with this arrangement in the past is that it is on MasterCard, thus providing an alternative clearing infrastructure if Visa isn't working for some reason.…
-
Persistent debt letter from Vanquis explaining the maths
My friends son has had a letter form Vanquis to tell him he is in persistent debt. I am trying to explain the maths to him but he is not getting it, so can someone explain it in terms a 20 year old can understand please. He has a £1200 debit on his card and pays the minimum each month and has not spent on it since Xmas. He…
-
Best card for regular 0% offers?
I’ve got a Barclaycard, Virgin and MBNA and regularly use them for large purchases and then transfer the balance to obtain the 0% offers. It’s worked well for a number of years but of late the Barclaycard offers have dried up, when historically they were probably the best of the 3. Can anyone recommend another card that…
-
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…
-
Best Credit Card For Buyer Protection?
I am looking at a credit card purely for purchase protection (I do buy from reputable suppliers). This can be goods or services, so I mean chargebacks and section 75 refunds. Specifically one that is easy to deal with. I've not had any bad experiences, and don't need a card for delayed payments (cashback would be good…
-
Interest free credit or credit card?
I am about to have some new windows and doors fitted. The company has “Buy now, pay in 12 months offer”. The monthly repayments are approx £400pm, or full payment in 12 months before a large interest rate is applied. Would it be better to apply for a 0% for 2 yrs card, pay for the widows in full and then after 2 yrs, if…
-
How long before balance transfer goes through
Good evening I applied for a Santander every day credit card to do a balance transfer from my NatWest card. When I applied last week I put this request through at the same time. Got the Santander card and the separate internet login details this morning and set the online banking up and activated the card too. On the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.5K comments
Most recent: The valley of death - seek ad… by hugheskevi
26 July at 11:16AM
