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How do I force Barclaycard to give a reason for not increasing credit
Barclaycard are refusing to increase my credit on my Rewards card. They will not give a reason even to the Ombudsman. I have a 100% credit rating and worry they may have some information on me that needs correcting. How can I force them to give a true reason?
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Notice of default sums - First Late payment
Hi All, I've just recieved an online document from Santander for my first ever late payment with a £12 charge. I'm usually all over my personal finance but due to a number of distraction including our first baby and full house renovation, its a case of I simply forgot. The letter was dated 28/11/24 and I've just cleared…
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New credit card and new to credit cards help please
I have just received my first cc and have made 1 small purchase with it (last Saturday). I intend to clear all repayments each month. I would like to make a further purchase in the next day or so. My question - a very newbee qu- is, will both purchases appear on the first statement?? Thank you
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Non-amex cashback or rewards card that works with Apple Pay
I have started using apple pay more. I have an Amex Platinum cashback card which works with Apple pay, but many places don't accept amex. I also have a granfathered in 0.5% cashback capital one card, but this can't be added to apple pay. I'm looking for suggestions for what would be a good card for everyday spending that I…
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s75 Claim on a second hand faulty car purchased from a dealer
Hi All I bought a car from a dealer paying a £500 deposit by Halifax credit card. I identified several faults with the vehicle before purchase, which the dealer agreed to rectify so long as I paid the full sticker price. The dealer delivered the car 4 weeks later with only one of the faults fixed. I was a bit annoyed that…
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Want Barclaycard balance transfer card but already got a Barclaycard
The one with 0% fee! I already have a Barclaycard and clicking on BTs on my account has the option of the standard offer with the 3% fee. Would they allow me to apply for a second card with the current 0% fee option? Credit rating is good. That's to transfer bigger balance from a Natwest card. Or more logically, since I…
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Barclaycard BT, current spending on card.
I have a small balance on my BC that I will pay off, but do I have to wait until the next statement until a do a BT, or can I do it once the account is zero?
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Amex reneging on joining bonus
Hello all. I applied for British Airways Premium Plus credit card in late October and was approved about a week or so later. The day I applied, the new card member joining bonus offered was 30000 avios for £3k spend in the first 3 months. I have the screenshot from their website, taken the same day that shows this offer.…
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Low credit score - shall I get a credit card whilst i am in my overdraft and paying off debt?
Hi all, my credit score is in the 'poor' zone at the moment, and I am aiming to pay off my debts. I am currently in my overdraft and should be out of this by the end of the month, but was wondering if it is worth getting a credit card to use to build up my credit score, whilst I am still paying my debts off and whilst I am…
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Chargeback advice - Mastercard / Monzo
Ok, so here's a thing. In May 2024, I signed a contract with a sash window renovation company and paid £5397 using my Monzo debit card (Mastercard logo) in my home. I asked to cancel 5 days after making payment and signing their contract. They had built in a 'I waiver my rights to a 14 day cancellation period' within the…
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Unknowing Supscription purchase
Hi, I accidentally purchased a product and unknowingly signed up
for a subscription that charged £94 to my PayPal account. At the time, I had no
money in my PayPal balance and insufficient funds in my bank account to cover
the charge and as soon as I was made aware of the error I terminated the
subscription and initiated a…
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Credit Cards
Hi, which credit card would you choose: the Adsa credit card or the Barclaycard Platinum? platinum?
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Best way to close long forgotten credit card account?
Hi, I'm looking to move house so used the MSE credit report tool. It flagged up a credit card I thought I had closed long ago. It is with RBS and has had the grand total of £5 arrears for over a decade. It is showing as having nearly £5k of available credit. I have absolutely no details of the card (number, etc) and…
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Is Barclaycard Worst For Fraud!
For the second time this year i found transactions i did not recognise on my barclaycard credit card account, Both were for food at mexican restaurants in Manchester totalling 300 pound no pin number used. This card is my secondary card which i only use on rare occasions and it was in the house the whole time and nobody…
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Nationwide Credit Card Application
I am a Nationwide member. I tried to apply for their credit card. The eligible checker said I will be declined for a card, but at the same time, the offer said my credit limit will be £75k at 24.9% if accepted. This is confusing. Should I go ahead with the full application? Any chance it will be accepted even if the…
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How long to wait before starting Charge Back / Section 75 ??
I searched for a holiday ocean front King room via Google , the usual booking company's come up with a few a lot cheaper ( non refundable ). I booked it ,the email front page confirmed "Ocean front King room " but when you open the attached Hotel Voucher it states "standard King room".I emailed the company and to my…
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Is it safe to pay Ali Express by CC?
Just wanting to take advantage of a "new customer" offer but the value is too low to use PayPal. Are they to be trusted with Credit Cards and CCV number?
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Wife got signed up to scam website - how best to resolve with card company?
So eventually this had to happen to my household - my wife got scammed while in a rush She was trying to pay for Ringgo parking, but managed to sign up to two separate "gift card subscriptions" in one go instead. What is the best way to resolve this? Get her to call credit card company (Barclaycard), explain what happened…
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HSBC credit card application "dropped"
Hello all, I was wondering if anyone has heard of a credit card application being "dropped"? I recently applied for an HSBC 0% purchase credit card following MSE's pre-approved eligibility checker which scored me at 100%. When I applied, I wasn't approved immediately but received a text a couple of days later to verify my…
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Seconds Card - Yes or No?
I took out a Credit Card about 6 months ago. I've never had a balance of more than about 10% of my credit limit. What would be the pros and cons of a second card? What would the extra credit limit do to my credit rating?
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 surreysaver
30 August at 3:55PM
