-
This is really weird.
Hi guys. Ok here goes. I took out an Argos credit card in my name (can only be used at Argos) over 10 years ago. There are 2 cards one for me and another in my mum's name. Mum unbeknownst to me has run the card to its limit (£2500) and hasn't paid a penny since 2021. Any and all correspondence would have been sent to her…
-
Credit card chargeback
Hi all, I recently opened a credit card disputed transaction for goods not received. I opened the claim within approx 110 days of the transaction. CC provider sent me a disclaimer form in the post to sign and confirm my dispute (said it could not be emailed). I mentioned my concern that the form would take 7-10 days to…
-
Any advice? Partial application
Hi, I used the credit card eligibility checker to find a decent balance deal. Started the application with Lloyds then the doorbell went and had some visitors round. I hit the website timeout & now can't finish the application. The deal no longer shows up on the eligibility calculator & Lloyds website won't let me start…
-
When should I transfer my balance from an existing card?
Hi, I'd like to do a 0% balance transfer so I can pay off debt with 0% interest. I have just had my statement through for my current card and am unsure what is the best time to transfer so that everything is paid out in time, if that makes sense. Many thanks
-
Getting new deals
So new year looking a head I have almost all my debt on 0% and with payments being made to insure these are cleared in time while not taking on or getting into more debt. In august I should be about £350 better off a month so hopefully things should start to look better however there is one card that is on a 0% that won’t…
-
Regarding Credit File and Debt Management Default/Repayments
Dear All "Happy New Year" I hope this finds you well. I am writing to seek clarification regarding my credit file and the current status of two credit accounts that were defaulted and subsequently transferred to debt recovery agencies. Below are the details for your reference: * Barclaycard Credit Card (now with CABOT…
-
Unknown debit card payments
My auntie has had 3 x payments come out of her current account for £1, £59.99 & £59.99 (the first two at the same time and the third 1 month later), the description on the bank statement is GSLDRBILL.CC and the only other reference shown is NICOSIA CY. She contacted NatWest who have frozen her card and are looking into it…
-
Have cash but want to use CC for car purchase , ?credit limits?
Hi, I have no debt. I want to buy a car for about £7000.I have the cash to pay for it but would like the protection a CC gives. How would I know If I can get a limit that big before actually getting the card....or is that not possible? If not, whats the safest way to pay for the car please? TIA
-
Balance transfer from an asda money credit card
Can anyone help im looking for a credit card that accepts asda credit cards for balance transfers..
-
Charged interest for balance transfer on Asda Money Credit Card
Hi all, I recently signed up to an Asda Money Credit Card to do a balance transfer as it was advertised as 0% for 12m. However, they started charging interest (around £100) as I missed a minimum monthly payment as I set up a direct debit up too close to the due date and a payment was missed. They made no attempt to contact…
-
credit card limit offered a joke
have an AMEX that has 14k limit and a Nationwide with £3.5k. the amex doesnt work at an awful lot of places so wanted to get an MBNA visa card, computer has offered £5k. like !!!!!! i earn £25k aprox and have £40k savings no mortgage old fart etc. what gives?
-
I really need to get out of this Barclaycard debt
So I've dug myself into credit card debt over the past few years. Long story short, I worked part-time at minimum wage while studying, and used a Barclaycard to cover expenses I couldn't afford. I didn't realise how bad it was until I got a job offer in a different city, but had no savings for the move. My parents lent me…
-
HSBC: "cash-related payment" fee charged when paid for broker subscription
Hi All, I recently paid for my Freetrade Plus subscription (which allows me to access more stocks) with HSBC credit card. They charged me 2.99% for making a "cash-related payment" using credit card. Am I the only one that think it's crazy to treat such payment as cash-related? I don't get any of the money back, it's like a…
-
Question balance transfer Credit card, 0 % spending balance (how is purchase interest calcuated)
Hi All Just got a quick question about balance transfer Credit cards, with a spending 0 % spending balance, for a certain period. I transferred a bigger balance over recently, from another card, the card had 27 months interest free on balance transfers & 6 months, 0% on purchases to June 2025. Anyway, over Christmas I used…
-
Klarna
Hi, I am having problems with Klarna. I had a klarna card which stopped working. I was told I cannot make any purchases because I have another linked account with an outstading invoice with a Debt collection agency. I also had 3 interest free purchases which I cleared 2 off recently. They sent me an email previously with…
-
Does NatWest frequently offer 'existing customer' balance transfer deals?
I have a NatWest credit card with zero balance on it. Is it worth me keeping it in case they offer me an 'existing customer' balance transfer deal, or should I just close it? What are people's experiences with NatWest cards in this regard?
-
NatWest Credit Card Trap
Hi, I recently took out a NatWest Credit card with 23 month 0% interest on transfers and transferred balances to around 45% of the limit. A few months later, they cut my limit by 50% which has directly affected my credit score, claiming a review of my circumstances, which frankly had not materially changed except to…
-
Is Section 75 or Chargeback applicable?
I paid £829.25 to Booking.com for a return flight by cc. The flights were in 2 legs each way. For the inward journey one of the legs was cancelled by the airline and the other leg was therefore no use to me so I cancelled it, asked Booking.com for refunds for the 2 cancelled flights and booked new flights with Expedia. A…
-
Pending transactions at statement date?
I've ordered a few items from Amazon, but they're not due to be delivered until the 9th of January, which will be well after the next statement date, and the payment is currently showing as pending. If the payment is still pending, when the statement is produced, will this pending transaction appear as part of the account…
-
Getting a credit card as a student.
How to get a credit card when the rules seem dumb. I’ve suggested my daughter gets a credit card so she can
build a credit history for when she might want or need to buy a house or get a
loan for a car, it seems a good idea. But she’s a student and all the stuff on the web says you
can’t include your student maintenance…
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: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
