-
Balance transfers in different names
Hi. I want to help my sister in law with credit card debt, after death of my brother. She has 5 credit cards all on the 30% ++ interest ones. I wanted to open a 0% balance transfer one - will be in my name and she will be paying me monthly - but can you do balance transfers from her cards to this new one, as names will be…
-
Virgin Atlantic Credit card- Nationwide Takeover of Virgin money
I recently opened a Virgin Atlantic Credit Card account to earn points for flights and other rewards. However, with the upcoming acquisition of Virgin Money by Nationwide, I'm starting to worry about the future of this credit card. * Is there a significant risk that Nationwide might change the terms or benefits associated…
-
0% spend card avoiding transfer fees
Does anyone avoid transfer fees by spending on another 0% spending card and using money you would have usually paid into that card to pay off other credit cards before their 0% spend comes to an end. i do, but when I try to explain to my husband how he just doesn’t get it. just wondering if someone has a good way of…
-
Will 0% credit card affect credit rating
Hello. I am aways a fan of MSEs money making schemes. Every month I try to spend everything on my credit card. I get a nominal return as 'Reward' but am considering getting a 0% (purchases) credit card, spending everything on this over the 12 month period, and investing the money in an ISA instead of paying off the card…
-
Travel perks
I’m considering getting a credit card with the benefits of either having a companion ticket or being able to upgrade flight as a perk with points. I’ve had a read but it’s very confusing. My husband is disabled and we find that he can’t sit comfortably in a regular seat any more. This year I’ve booked business to Canada…
-
Will a 'partially settled' status against a fraudulent loan scam affect my credit rating?
Hi MSE wise sages, I'm dearly hoping you can help a newbie. A friend has become a victim of a really sophisticated scam costing £20k. £10k of which was a loan taken out in their name a few days ago. The loan company are considering what to do and have said if it is written off that my friend will have a 'partially settled'…
-
Cashback credit cards
I am trying to find a credit card that has cashback rewards. Please note I do not mean general cashback on transactions but actual cashback based on their own vendors that are currently offering cashback that you have to enable in the app before spending money. I know that Halifax does this and I also noticed on my Monzo…
-
closed thank you very much
Closed thanks all for your help.
-
DD failed! but has it?
If a CCC stated there is a direct debit set up and bank say there isn't and payment isn't taken how do you apportion fault?
-
Pointless Barclaycard Balance Transfer Card (Lower credit limit that will take balance transfer)
Wondering if anyone had similar experience and where I stand with my credit history hard check Applied for Barclaycard Platinum (from the MSE website list of cards) last night. Filling in the forms I stated I would require a £3800 balance transfer and after going through entering my info it automatically showed a £12000…
-
Victim of Fraud but Credit card company are saying its my fault and I am liable for the charges.
Hi I really am in need of advice on this. Back in September i made a purchase over the phone for an excercise bike using by credit card. When making the payment I had to authorize the payment though my bank app which i did and delivery was arranged with the merchant. later that day my card had been used to make £1000s of…
-
How can they estimate that?
Just received this month's statement, and it says my estimated interest for next month is £2-59. How do they come by that estimate, given I've never paid a penny in interest? Did they just pluck that figure from thin air?
-
Fraud fall out
In November I was victim of SIM swapping fraud. Payments to Amazon (and others) were made on my credit cards that were saved there. The security codes were sent to fraudsters who controlled my phone. Since then, I reported the fraud, been reimbursed by credit cards, but still having problems. One of them is that Amazon has…
-
refund not shown
hi all i ordered from adidas and paid on my amex card, part of the order was cancelled (sick of waiting) and im still waiting for my refund ive pm on fb to adidas and said the refund has already been processed which is still not showing on my amex acc, where do i stand ?
-
Virgin Money - 0% credit card transfer
I've just checked my 0% CC account to see when the 'date' is up. To my shock realised that even though the date is not up I have been charged interest. This is because a couple of times I have 'topped-it-up' with what appeared to be the same conditions but apparently are not. I have moved my debt out of the account now -…
-
Amazon Barclaycard
Is this card likely to be available for Apple Pay anytime soon? I was able to add the Pulse/New Day card to my wallet.
-
6 years since Tesco credit card default, am now eligible for a Tesco card?
Hi guys, had some financial struggles about 6 years 3 months ago, got a few defaults, 2 of which were with Tesco, I've ignored the debt collectors since and it hasnt gone any further whilst they seem to pass them around different debt collectors. First off, I'm hoping they become time barred, as I haven't had any contact…
-
Santander Credit Card Applications
Applied for Santander credit card about one week ago and to my surprise was asked for proof of identity and address. I have a rich credit history and should never be asked for this sort of information as they should be able to confirm this through electronic records and electoral roll information. In this century I would…
-
0% deals dried up… is it because I went over 50% usage?
So… I’ve got 3 credit cards, had them for years. Used them to flip the balance around and get 0% deals. Also have a couple of loans. Never missed payments, credit scores excellent Now I keep seeing that credit scores don’t matter, and lenders use their own criteria etc etc… BUT - in recent times I no longer receive 0%…
-
Barclaycard Refusing to Help a Customer who is only trying to help herself
After
Speaking to a People Manager at 9 am today: I have spoken to Ashina, people manager in deli, about not
being able to meet the payment of £600 this month on my credit card, and asked
for the date to be pushed back to the end of the month (or to reduce it to £300
which I would be able to cover this month) as…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
