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Barclays to Santander balance transfer - computer says no?
Hi wise people, does anyone know what’s going on with this one? When I try to balance transfer 3k from my new Santander card to Barclaycard on a 0% offer, the payment is taken from my Santander card for 48 hours, never appears on my Barclaycard, then the payment gets reversed back to my Santander card, with the message…
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Travel/0% Trade-off
Hi all. I have to pay my holiday fee in Euros. Last year I had a 0% spending card from HSBC. Worked ok, spread the cost, but cost me a fee of 2.99%. I do have a Halifax Clarity, which wouldn’t charge the fee (and maybe better exchange rate?), but wouldn’t allow me to spread the cost. Given that most 0% balance transfer…
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JL/Waitrose voucher not recognised
Hi all, Sorry if this isn’t the correct section to post in, but this seemed to be the one most closely related to vouchers. I’ve got a John Lewis/Waitrose voucher query and hoping someone here might be able to help please. I got a £200 JL/Waitrose e-gift voucher that can be spent in-store or online, valid from 22 Dec 2022…
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Credit Card to use in Florida
Hi All, I'm after a bit of advice on credit cards. As a Family we are soon due to fly to Florida to have our dream Disney holiday we have been slowly paying off for the last 2+ years. Although we have a bit of spending money saved I don't want it to feel like we're scrimping on bits throughout the holiday. What are the…
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Have to open Paypal account to pay with credit card
I have been trying to renew my annual sub to an organisation which I have been a member of for a few years. In the past I have logged into my members account on the organisation website and used my credit card. But now the only option on the site is to go via a pay with Pay pal button, but they say I don't need an account,…
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Barclaycard Platinum offer via MSE site
According to the MSE newsletter and soft search, I have a 100% chance of getting a Barclaycard Platinum CC with a 22month at 0%. However, the link didn't work. Has anyone else applied today? Edit, I found a way of applying though a different link, direct to Barclaycard, and it seems to have gone OK!
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Halifax Clarity: Why take 2 months to take interest payment on a foreign withdrawal?
Hello, I have a Halifax Clarity Card, which I use for foreign travel. Unusually, I had to use it in an ATM overseas. On my next statement I had an interest charged to this transaction. I was expecting this. I paid my next monthly bill in full. Why then did I get a further interest amount on the following bill? There were…
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Credit Card Balance Transfer - two cards
I currently have two credit cards both with approx 2.5k on - virgin and halifax. Their 0% period is due to expire soon. Both cards are offering me 0% balance transfer. Is it possible to transfer my Virgin to the Halifax to gain the 0% balance transfer period and visa versa.
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Section 75 Claim
Dear Esteemed Members, Need an advise please. Issue: I purchased a car a few months back using part Credit Card and Bank Transfer payment. Due to multiple issues with the car and the dealer refusing to fix them, I had to raise a Dispute with the bank. Chargeback and Section 75: The bank initially raised a chargeback claim…
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Using 0% Credit Card To Clear A Loan?
I have 2 loans with one company1 = 8.5% APR2 = 13.3% APR I have an offer on my credit card of 0% but with a 5% fee over 15 months. Would I be saving money if I used this to clear my loans?
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Being asked to agree to waive rights to a charge back - is this legal/enforecable
Is it legal and enforceable if you are asked to sign an agreement that you will not request a chargeback on a booking for services? I have just paid on my credit card for holiday accomodation next year. The company I booked with use a third party: "When booking with us your stay will be protected by a Deposit Guarantee,…
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Ineligible because credit score too high?
Is it possible (or even probable) that those of us with high credit scores can be ineligible for 0% interest with no fee balance transfer cards (such as the new Barclaycard offer) because we are almost 100% certain to repay on time before the end of the 0% interest period? The logic would be that there is (effectively) 0%…
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Cash fees on credit cards
I spotted a "Cash Fee" on my credit card today when checking recent transactions...of course I never draw cash and I always pay my card IN FULL so I was perplexed I phoned my card provider (Halifax) They explained it was the fee element of paying a £100 fine (Speeding...35 in a 30) so be aware as you'll incur interest…
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Prepaid Visa/MasterCard "Gift Cards" from shops/supermarkets - does anyone still sell them?
These used to be for sale in most supermarkets and places like WHSmith, Boots and Argos alongside the normal gift cards, usually in £25 and £50 denominations (although Morrisons had £100 ones), but I haven't seen any for a while. Does anyone know of any shops still selling them? Just to pre-empt the obvious comments - I am…
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Credit card application approved, advised card is on the way in error. - Complaint advice
Hi all, Looking for some advice if possible. I applied for a balance transfer credit card with a 0% balance transfer offer with Santander in August, it was pre approved, ran a full application and was advised contact would be made within 5 days regarding the application. No can’t was made until 2 months later where I was…
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Credit cards and direct debits
I've just recently acquired a zero percent purchase credit card(HSBC) and am currently putting all my shopping on to it. I would also like to pay my bills using it but they are all set up as direct debit payments from my current account. Will I be able to change payments to a credit card? In other words can credit cards…
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How do i pay bill with amazon credit card?
I have a large bill i want to put on the card in order to get the cashback (ill pay it off immediately) but i cant see how to do this, online help is no use, any help here? (Im suspecting that the correct answer might be : you cant)
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Amex account been hacked for the second time in 2 months.
I'm actually curious as to how this even happens. A couple months ago someone hacked my Amex card & used my details to subscribe to ChatGPT. I have 2 additional card holders (2 family members) but it was MY card details that had been used, not theirs. I brought this up on another forum on this board and the best I got was…
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Can I get my money back
Hello, I've tried to find a thread similar to my query but can't see one anywhere on this board. If there is then please point me in the right direction. If not I would appreciate if anyone can answer my query. Even if it is in the negative. I made some bookings on Booking.com for next May. Shortly after booking (same day)…
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Direct debit not taken
Has anyone else not had their barclaycard direct debit not collected? Mine was due to be taken yesterday but not showing anywhere on my bank account or on my barclaycard login, but DD is showing as live for full balance. Definitely enough money in there, but I'll end up in credit if I pay it separately, but don't want a…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
