-
My credit limit just increased 10x out of the blue.
I had a capital one credit card with a £500 limit and have had the card for about 4 years. I just used it to pay my monthly phone contract and paid it off in full each month to build credit. Never had any late payments or anything, today I just got an email from capital one telling me they're upping my credit limit to…
-
Statement dates and balance payment
One month I bought a duvet and some bedlinen. I received a message saying I was over my credit limit. As I knew I had spent £600, and this was below my credit limit I had a panic, paid off the bill in full. In May I bought junior some birthday presents and wasn't billed in June. What had happened is payments from the…
-
Klarna
I need to pay a company £250 it’s for a service not a shop on Klarna list, and was wondering if anyone knows can I use the Klarna debit card or credit card and use my Klarna balance to pay it, has anyone ever done it before any advice.
-
Santander 0% Credit Card offer
Just had an email from Santander offering 0% interest until end of December 2026 on my credit card purchases. Total balance to be paid in January or interest will be added. Sounds like to good an offer to refuse.
-
Serious issue with my Barclays Business Barclaycard.
I've run into a serious issue with my Barclays Business Barclaycard. For context, I've had a Barclays business account for around 25 years and a Barclays Business Barclaycard for roughly the same length of time. I don't use the card very often, but I have used it over the years for some larger purchases, flights, and…
-
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.
-
Potential scam of a company and credit card won’t refund
Hi all I ordered some dresses from a company called Olvia Rose London. I paid a lot of money for what I received - cheap dresses which weren’t “luxury” as described. They didn’t fit so I wanted to return and get my money back. The website states 30 days money back guarantee but have a length return process - take pictures…
-
Transfer balance out then back
Im coming to the end of my virgin card balance transfer deal , I have another card which would be able to take the balance , I noticed that virgin is offering good deal for balance transfers to them Would I be able to move the balance out of virgin to the other card , then in maybe a weeks time move it back to take…
-
Fake Card generators
There is any number of fake credit/debit card generator sites – that, supposedly allow you to create a fake card number to use on “dodgy” and “non dodgy” free trials etc I have never found one of these numbers that works….. I was wondering what the forum thought about doing this ? What is the legality of trying this ?
-
How to fight back a Capital One decline ("details don't match") — not reapplying
Hi all, bit of a long one but I'd really value some opinions before I go further. I've been trying to open my first credit card just to build a file — small spend, well under 30% utilisation, paid off every month. No real need to borrow. I'm a disabled adult (autism) on benefits totalling around £32k a year, with Barclays…
-
Can you reopen a Chase Credit Card after closing it
I understand if you close the current account you may not be able to open a new account, but does this apply to their credit card ?
-
Barclaycard Money Transfer
I have Barclaycard with a current Money Transfer offer, can I do a money transfer then use card to make a purchase and then use the money transfer as funds to pay off that purchase or would that be against the terms of use
-
Card-linked cashback offer aggregator?
Is there a website or app which allows users to see which credit cards offer card-linked cashback for specific companies at any given time? (I'm not actually sure if the offers I see are the same for all credit card holders or if they are customer dependent). I have multiple credit cards and it's tedious to check them all…
-
Zilch help needed
Has anyone got any experience of how to navigate Zilch when you fall behind on payments please? I fell behind on my installments and then tried to pay off some purchases via the app but it would not let me pay for the individual purchases to reduce the amount owed, instead it kept trying to take the full balance. I'm a…
-
Capital One credit card application
Hi, just after some advice. I applied for a Capital One balance transfer card through an Experian pre-approved offer which said my £7,000 transfer was guaranteed. Capital One then asked for Open Banking income verification through consents.online. I connected my genuine joint Starling account (my husband authenticated it…
-
Best Mastercard Credit Card for overseas use
I've had the Halifax Clarity credit card for years and use purely for overseas spending. Since moving from Mastercard to Visa recently, I'd now like to get a 2nd card for overseas use. I do have a Chase Debit Card as back up but would prefer a Credit Card too. Any recommendations?
-
Nationwide CC
Anyone have personal experience of how long it takes after being approved? (I've read what's on their website and email).
-
Chase bank - Credit card section 75
Does anyone have any experience with Chase bank in processing a Section 75 claim? It's for a used car purchase of just over £5000. It's been 5 weeks and the communication has been terrible… meanwhile im sat with a car that is not drivable and exhausted every other option. Can anyone advise how long their section 75 took…
-
Balance Transfer Offers Disappeared
Hi all. I have several credit cards, and use balance transfers to avoid paying interest. I always pay payments on time, and have never missed one. Between all the cards, my credit limit is just short of £60,000 (I'm not using this full amount, and actually had almost zero debt a couple of years ago.) I consistently had…
-
M&S threatening letter saying account will be closed- overdue payment 0.00 (yes ZERO)
Hi M&S sent be a threating to close my account in 14 days if I don't pay an overdue amount of "0.00" yes ZERO. It doesn't fill me with confidence with HSBC takeover! I have tried calling them but hard to get through and the app is horrible, AI garbage responses. Shall I leave it or risk an account closure and ruined credit…
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: Amex is good-but be careful. by clive0510
3 July at 11:00AM
