-
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.…
-
Failure to respond to KYC resulting in ‘Arrangement to Pay’
On January 18th 2025, Amex cancelled my British Airways Premium Credit Card after 10 years of being a cardholder. This was due to my failure to respond to the ‘Know Your Customer’ request, as per legislation. I have no issue with the account being closed and have never requested it to be re-opened. I no longer wish to be…
-
Is there a downside to making only minimum payments on an interest free debt?
I have a longstanding debt with Capital One which I have been paying down gradually over many years. With a remaining balance of around £2750 they have now written to me and advised that they will no longer be adding interest or charges and, so long as I continue to make minimum payments, will not count against my credit…
-
Contactless Cards Changing Money Amounts
I’m all for our banks to settle an amount we can have contactless, with the new rules coming in, I would like to temporarily increase this amount for plumbers etc as I can’t leave home to get cash out. We should be able to change the amount via our banks website page and add a reason why just like if we were paying others…
-
Has anyone ever made an unaffordable lending claim?
Any advice on how to go about an unaffordable lending claim? I was given a credit card at 18 for into £3k debt and was never able to pay if off, debt got sold to PRA and I was given a CCJ about two years ago. I want to get it removed as I believe it was irresponsible for them to lend me that when I had no clue about money!…
-
0% off with a balance
So all cards on 0% are on course to be cleared but 1 was always going to have a balance on it at the end looks like it could be around 2k on it by the time my 0% runs out. My HSBC card currently has a offer on it for 18 months 0% this card I think has a around £2,600 left on it and the current 0% deal it on has 7 months…
-
HSBC - new card signed up for but zero communication?
Signed up for a HSBC CC on Friday night - was accepted & it said I could create an online account once I receive my card (within 5 days) Assuming the card will arrive this week but I’ve not received an email or any communication so far. Is that normal?
-
Credit card 0% transfer
Hi, I have a credit card that is due to run out of the promotional period of the 0% interest on 17/05/25. I normally apply for a new credit card and have no issues transferring the balance. A few days ago I applied for a Barclay Card credit card requesting a transfer of £4k balance. This was pre-approved and as it was the…
-
0% promotional period expiry date for Tesco Credit Card
I did a 0% interest money transfer from my Tesco CC in Jan 23. I didn’t make note of how long the promotional rate applies. I looked back to the statement that included the transfer, and my latest statement neither states when the promotional rate ends. Am I missing something? I looked both on the app and via the website.…
-
Existing Customer Balance Transfer Offers
What sort of offers are existing card holders currently getting for new 0% balance transfers? For example mine range from 3% for 18m with Santander to 5% for 12m with Lloyds.
-
Best credit card for travel points.
Hello. I've read the guide on credit cards for travel points, but have a question I couldn't find an answer to on the page or on the American express website. There is currently a bonus offer on American express of 38000 points for signing up and spending £3k in three months. But after 12 months a £195 annual fee. If I…
-
Having to go to financial ombudsman now that I've been called a liar. What to submit?
Having never had to do this before, what do I send to the F.O. regarding this? I imagine I'll send them a letter outlining what's happened and why I am now contacting them. Do I have to send on copies of my letter of complaint to Amex? What about Amex's original letters (before my complaint) witholding money I believe I'm…
-
John Lewis Credit Card prior to New Day
Hi I've been trying to get hold of credit card statements from 2021 and 2022 when the John Lewis cc was with HSBC before they moved to New Day. I need them for court. I have tried: - John Lewis Finance/Money (New Day) - cannot help for the period in question - phoning HSBC various numbers, eventually beat the voice menu to…
-
Order of allocation of payments for refunds
I have a Barclaycard with a Balance Transfer, which I am using for purchases, because Barclaycard charge no interest on purchases if they are paid off after the statement date and before the due date. Paying off the precise amount of purchases each month allows my BT to remain intact at the full amount. Unfortunately I was…
-
Nationwide credit card in Mauritius
Hi all, I'm going to Mauritius tomorrow and I'm going to take my nationwide member credit card as back up. If I use it should I pay in Mauritius rupees? New to taking credit card abroad. Many thanks
-
Tesco Customer Services e-mail address
Anyone know one? Very deaf and can't get the hang of Relay. Otherwise getting a visit from a helper or sending a letter. TIA
-
New Lloyds Card Terms, no charges for foreign transactions, or are there?
Received an updated terms from Lloyds today for my credit card, active from 30th June, including: "we've changed the name of the 'non-sterling transaction fee' to 'non-sterling purchase fee' and we'll stop charging it when you use your card for cash transactions in a foreign currency. A cash transaction fee may still…
-
MSE CC eligibility checker inaccurate
Hi I applied for a Barclaycard 0% balance transfer card yesterday. First I checked on MSE's eligibility checker tool, and it gave me 0% chance of being accepted. I thought that was wrong, as my credit is good and my income is well above the threshold for that card. So I just went ahead and applied, and today received an…
-
Retiree credit application
I am recently retired and drawing down my pension via UFPLS. For tax reasons I only budget to take £17K pa and then if need be take another chunk, I could easily withdraw a substantially larger amount each year but see no need to at the moment. When applying for credit cards I am unsure what amount to enter, I have entered…
-
Credit card security blockage abroad - due diligence failures - have you been caught out?
Halifax clarity credit card is promoted as the "bees knees" when traveling abroad - it can be a disastrous failure On a cruise this line this year Halifax blocked the card when the cruise line attempted to set up payments for onboard incidentals using a $1 deduction. Halifax knew we were abroad by the trail of card usage…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.3K comments
Most recent: Stoozing first time queries by kempiejon
7 December at 12:51PM
