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John Lewis Partnership Credit Card
3 months 0% purchases. I’m pre approved, does this mean that if I apply and am given say £1000 limit, that within the next 3 month I can go into say John Lewis and pick up items valued at £1000 at no interest? If I also over the course of this 3 month only pay £200pm towards this, is there then interest charged in after…
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Application rejected: Name mismatch
Hi, Bit of a dilemma, I made an error in my application where I only used one of my two 'first' names, which resulted in verification and application being rejected. For example my name is: John Andrew Smith with no middle name, with 'John Andrew' being my first and 'Smith' being last. For the CC application I only used…
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Barclaycard finally on Google Wallet
Today I received a replacement Barclaycard Visa Cashback Card (still on the old 0.5% cashback offer), thought I'd try adding to Google Wallet - and wow, it actually worked!!!! After adding it, I had an email from Barclaycard saying it had been activated successfully. Quite amazed it putting it lightly. I was ready to ditch…
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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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reserving hotel rooms with my credit card
OK so I need to reserve a number of hotel rooms for relatives staying near our family home in Canada. Looking at 5 rooms for about 4 nights and maybe another 5 for 2 nights. 4 nights would cost about £600 each and 2 nights about £350. So total cost of the reservations may come to over £5k. I have no intention of paying for…
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Having a meal out is a gamble. Nationwide classify a meal at a casino a gambling transaction.
From their recent changes to T&Cs Condition 5(b) Transactions “We may, acting reasonably, refuse to allow a transaction...if the transaction relates to digital currencies or gambling services. This could include any purchases from a gambling or digital currency business e.g. meals at a casino.” In fairness it might be a…
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Credit Card Fees on Refunds.
Morning. Its been made clear to me this morning than when refunding customers, I am still charged the processing fee by the payment portal For example a transaction this morning the customer "made in error / changed his mind" of £1170 has cost me £29.45 in fees - leaving me £29.45 in the Negative due to the customers…
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CC payment surcharge - have I invalidated my 0% interest offer on CC?
Hello, looking for some reassurance please (as otherwise will have to wait until the next CC statement to find out...). I've just made a CC payment to an airline directly (not a TA) to add luggage to my flight tickets bought long time ago on a debit card. They asked for £2.50 CC processing fee - which was fine, I was ok to…
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Timing balance transfer
Hi all. Apologies if this has been asked before - I did try a search and couldn't find an answer. My 0% on purchases period on my Lloyds card is up in early April. I'm looking at a balance transfer, ideally to the 14 months 0% no-fee Barclaycard. This will be the first time I've done a credit card balance transfer.…
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House Renovation/Extension best way to finance
Hi I am new to this but here goes. We are looking to start a scheme of renovation and extension on our house. We would like to pay off the works prior to our mortgage renewal in 3 years time. What’s the best way to finance ? I have read that maybe two 0% credit cards could work ? A money transfer and a payment one? That…
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What's the best Amex and non-Amex credit card combination
I currently have the Amex platinum cashback credit card, and it's been pretty good. A £2-3 hundred cashback each year I'd say I get. However, I'm finding more and more places won't take Amex, meaning I usually resort to my debit card. This seems a waste when there are Mastercard and Visa credit cards that offer rewards,…
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Debt and need a 0% Balance Transfer Card
Hello. I have some debts that I need to pay off and I saw MLMSE on tv the other day talking about 0% balance transfer. However, I have used the eligibility calculator and I am not eligible for any. What can I do?
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Amex rewards credit card
I chatted to Amex about cancelling my Amex Gold card because of the annual fee. The assistant suggested I could change to Amex Rewards Credit Card, which has no fee, and asked if I wanted to take the FREE optional Insurance. I'm puzzled. Why is it optional? Is there a catch? If I agree to take take the insurance will I be…
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Barclaycard Credit Card Cashback
I had an email from Barclays saying you no longer had to wait until you earn £5 cashback from the rewards partner website. I have tried claiming mine but it says I don't have enough funds even though an email I have states this should no longer be an issue. Has anyone else had the email and has anyone else claimed leas…
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Requesting an increase to credit limit on a new credit card
Hi all, please can I ask the likelihood of a credit limit being increased just after approval? I am 26 and I have never had a credit card or any loans before. However, I am looking to pay for a holiday to celebrate me and my partners engagement. Thanks in advance!
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S &75 protection and cap
Hi all, I am just about to buy a new-to-me car and it looks as thoug hthe cost is liekly to be around the £30,000 mark which made mne wonder about how the ca is worked iot for the purpose of retaining the protection. I know thattit doesn't apply if the cost s over£30,000 - if I were to buy a car that had a sticker proce of…
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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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Section 75
Ii were to pay my annual golf fees £950 using a Credit Card and the golf course goes into liquidation after 6 months would I be able to use section 75 to claim back 50% of the monies paid as they have failed to supply the goods/services for the full year? regards worriedgolfer...
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Clearpay/Credit card company
Good morning, I ordered an expensive watch (expensive for me anyway) The company says I would receive within 4 days and any delays they would keep me informed. Well, it's been over 2 weeks now and no communication. They have not responded to emails I've sent. I bought the item using Clearpay (this in turn gets paid off by…
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Backup Credit Card options
Hi all, new account but a user several years back. I've had my Creation credit card account closed - seems to be a current thing. I'd had it for about 8-9 years and it was primarily for overseas spending (best card at the time) but also as a backup to my AMEX. It hasn't been heavily used past 2-3 years - maybe once or…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
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Most recent: 3% fee BT on Virgin Credit Card by TadleyBaggie
8 August at 8:22PM
