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Nectar to Avios conversion issues
It appears Nectar to Avios conversion is not working for me. Firstly, I tried manual conversion, I repeatedly got message "failed". Then I tried to setup auto-conversion and as far as I understand it is done on Mondays, so I expected it to take place today. Still no luck, a few thousands Nectar points still sitting in my…
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M&S Rewards Vouchers - cannot be redeemed - result of hacking attack
Hi all We share a M&S credit card which we use for all monthly purchases,and one of the benefits is that we get vouchers each month that can be spent on goods with M&S. These vouchers have a fairly long expiry date, so we save them up to spend on more expensive items. We have quite a few vouchers that expire at the end of…
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Virgin money
Ok guys hopefully someone can help me I did a money transfer from my virgin money credit card to my bank. It says on the website it takes 2-3 days and a bit further down it says if the transfer is made before 4.pm Sunday to Thursday it will be in bank next working day. Has anyone did this before and is it next day or 2-3…
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Time between closure and new application
Is there an approximate time for waiting from closing a credit card account for it to reflect on credit report before applying for new one? I have an AMEX with £13k limit and £0 balance, but I want to close it so I can get a ~£10k limit to transfer another balance where the 0% period has ended. Applied for a Barclaycard…
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118 118 Money – Terminated My Account, Wrong Clause Cited, No Explanation, and Now Demanding Full Re
Hi all — looking for advice or if anyone’s experienced similar with 118 118 Money. I apologies for the long post but need to get all facts down so it's clear. I am happy to post a copy of the termination letter and agreement with sensitive bits redacted if it helps. The situation:Used my credit card to do a few Western…
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Credit card balance transfer from Sainsbury's to NatWest - still possible?
Sainsbury's bank, as we know, is moving to NatWest. I have a Sainsbury's credit card that I'm looking to do a balance transfer from. Annoyingly, the best deal for me is with NatWest. As of May 1st, NatWest are now the legal owners of Sainsbury's accounts, however, according to their info pages, the accounts won't be…
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0% balance transfer for credit card cash withdrawal
Would it be possible to withdraw £1200 cash from credit card at 10.58% interest charge and balance transfer to new 0% credit card? Would this adversely affect my credit rating?
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Refund not received: How soon can I do a chargeback?
Hi all, I am waiting for a refund of over £400 from Karen Millen online. I bought the goods on my Santander credit card. They have received the returned clothes and sent me an email to confirm this; this email said that I would receive another email in "up to 4 days" to confirm my refund had been sent. However this was 14…
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CIFAS Marker Hell
Hi My husband had a CIFAS marker placed in his accounts last year after he was the victim of a rather unpleasant and sophisticated fraud. The whole experience was horrendous and at the time we were grateful for any measures to prevent further fraud happening. Fast forwards 12 months and we are finding it almost impossible…
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Credit card scammed after using booking.com
I made 2 hotel bookings via booking.com last week. Both were pay later bookings. An hour after my bank contacted me to say suspicious transactions had been made on my card. One was £0 from Data Trans AG based in Zurich. The hotels were in Spain and booking.com is based in Amsterdam. I have no idea who Data Trans AG are and…
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Disputing a transaction on credit card with scam retailer
Hi , we just noticed a series of 3 recent transactions on our RBS creditcard mastercard one month apart £39.99 each. Never heard of the business PYD*be-chef.club Harlow GBR. Search on trust pilot reveals others have the same issue -an unwanted subscription triggered by a pop up while making a legitimate purchase on a…
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Transfer an Existing Balance Transfer to another Bank’s Balance transfer deal
I have credit card with £7,000 balance transfer at 0% that will soon expire. I see my other bank has a credit card balance transfer offer for 18 months. Is it normal or ok to transfer a balance transfer balance from one credit to another banks credit card? Do I need to do anything special or extra? Or is it standard to do…
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Should my son get a credit card to help get car loan or will it hurt?
Hi. My son is thinking of applying for a car loan. He works for the NHS, lives at home and has plenty of disposable income but no credit history. I told him ages ago to get a credit card and pay it off each month but he didn’t. If he gets a card now, will it look worse on credit history as he’s applied for credit card…
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New to the UK: Getting a credit card
Hi everyone, I moved to the UK in August 2024 and I have been struggling since then with the UK's credit system. A friend recommended me this forum for advice (already a while ago) and I have seen some threads. So here are some details: When I arrived amongst the first things I tried to do was get a Barclaycard, and the…
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road trip to usa, 14 room security deposits! which type card?
Hello, Everyone, hope you are all well.I am going to do route 66 next year, one son will be coming aswell as his girlfriend.I don't have a credit card, son & girlfriend don't have them either-Looking at the trip, we will spend 14 nights in motels along the route.Room rates vary a lot, as it's a mix, not just one chain,…
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Inadvertent purchase on credit card which has a 0% money transfer deal on it
I have a credit card with which I have taken advantage of a 0% money transfer deal ending in December 2025. Up until now, I have avoided making any new purchases on this card but, to my dismay, I missed noticing a recurring renewal assigned to this card which is now in the process of being paid. Is there anything I can do…
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Santander Edge Credit Card Credit Limit
I’ve just applied for this as I have a Santander bank account to replace my Chase for cashback. Has anyone got experience of changing credit limit, just looking and they’ve only given me £700, so I’m never going to maximise cashback on that basis. I already had a Santander All In One Card which I’ve got a credit limit if…
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Need help re: Debt Collection
Hi, I'll try to keep this brief, but essentially I need some advice on how to proceed. The back story is i got behind on a credit card with payments, i reached out to them to explain the situation and request if i was able to be put on a payment plan to clear the balance and then was going to close the account. I didn't…
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Does section 75 cover a dodgy holiday booking?
Hello, We are looking to book a villa in Sri Lanka. We have researched the place and checked out reviews/Google maps etc and it looks legit. It's much cheaper if booked through their website rather than Airb&b (we found the website separately, not through them telling us about it) but we then lose the protection of Airb&b…
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Merchandise Interest really high
I've not spent anything on a credit card for about 6 months but have recently started being charged Merchandise Interest on the credit card. I currently pay about £100 a month off the Credit Card and then £60 gets taken from that 100 as Merchandise Interest meaning I'm effectively only taking £40 a month off a credit card.…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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