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Section 75 or Chargeback advise?
Hi, I used my Mastercard credit card to pay for a service repair that didn't last long so I contacted the company under the 12 months warranty they promise for all repairs and they are not addressing my emails I sent them coming up with excuses not to do the warranty work even though I sent them the video of the fault.…
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Amazon Barclaycard - late DD collection
I got an Amazon Barclaycard a few months ago. There's a DD in force on one of my current accounts, and Barclays is supposed to collect the full amount due. The October collection worked exactly as I expected and intended. My November payment was due on the 14th (last Thursday). It's now Monday 18th and the money is still…
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Missing cash back and monthly fee on Santander Edge credit card
Apologies if there is a previous thread, I couldn’t find it ive just noticed that for the last two months I haven’t had any cash back on my Santander Edge credit card no they haven’t charged the monthly £3 fee either. I’m still within the first 12 months of taking it out, so should have had 2% cash back, up to £15. I’ve…
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Impact on credit report
My credit card got declined coz somehow the surname was misspelt during the application, they asked for documents which i sent but of course the surname didn’t match. The advice from Santander now is to cancel the application and apply again with the right data. i am worried how this would show on the credit record and…
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Balance transfer to wife's card from husband's card?
My wife has a 0% interest Balance Transfer offer on a credit card in her name. I have a different bank's credit card on which she has a secondary card? As far as I am aware, a BT to her credit card should only come from another bank's credit card in her name. It shouldn't come from a card in my name or a third party's…
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Rebuilding File - Credit Cards
Just wondering if I’m doing something wrong been rebuilding my credit file for around 2 years now with the usual suspects that gets offered to you when your file isn’t that great, capital one etc, anyways 2 years later after checking my eligibility on here I’m still only being offered those same cards yet 2 years of…
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First Credit Card, 0% Interest Period Coming to An End - What Now?
Hi all, I was hoping for some advice - I got my first credit card last year. I have been following all of the best practice guidance, and have never over-spent or been late with a repayment. I usually buy what I need and then pay it off straight away, using the card just to build up a positive credit score and so on.…
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Having a credit card registered at a different address to my home address
Bit of a weird question I suppose but I still have a credit card registered at my Mams address even though I moved out years ago! I was going to change it to my address but are there any implications pros and cons in doing so like will it affect credit scores or anything - its doing no harm and my mams going nowhere except…
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Balance transfer to closed account by accident
Hello I opened a MBNA credit card and thought the initial balance transfer I had done to a Barclaycard and Halifax card had not gone through. I then applied for a transfer again for a second time to a Barclaycard and Halifax card. All 4 then went through and were duplicated I have contacted Barclaycard and they have…
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When should I pay my credit card to avoid interest?
It's so difficult to find answer to this. My question is: Should I pay my credit card by the due date or statement date, to avoid monthly interest? I'm not talking about late payment fee. I heard if I pay my cc in full each month about 2 days (or earlier) before the ... date, they won't charge me interest. Which ... date…
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NatWest Credit Card Notifications for payments by additional card user
My wife is an additional card user on my NatWest credit card. I receive notifications when I have made a payment on the account. However, I do not get any notifications when she has made a payment. It is not a problem as she always tells me, but is anyone aware of a way around this?
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Vinted and Revolut Scam
I recently fell victim to a scam where the scammer imitated a Vinted add and advised that my item had sold. Payment was to be made via Revolut which I happened to have . Unfortunately instead of crediting my account they debited £250 via a push notification. I have now been advised by police that Revolut is not a fully…
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Best credit card solution for big house renovation?
Hi everyone, We’re kicking off a big flat renovation next week, which will cost around £45k. My builder accepts credit cards, including AMEX, and we’ll also need to buy kitchen appliances, furniture, beds, a sofa—you name it. I’ve already got an Amex Cashback Everyday Credit Card that I’ve been using since March. I’m just…
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Using Barclaycard CC to pay a deposit on a car purchase
Hi. In the past when I've bought cars, it's been a local purchase, so I'm at the premises and I've used a credit card to pay £100 deposit and get my receipt. This secures the car and potentially offers me some legal protection down the road (S75 etc). But I'm looking at a car now that I want to secure with a deposit but…
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Barclaycard Transaction Dispute - Refused
Hello all. I'm hoping for some guidance and/or advice on what I should do next, as a transaction dispute, and section 75 claim have been refused by Barclaycard. I used the card for a car rental deposit, for an 8 or 9 day prepaid rental abroad, in late June of this year. When the charge was still showing in my account at…
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MBNA Money Transfer Con
This may be an old chestnut, but this just caught me out. Did you know that if you take out a money transfer with your card (MBNA), you may get the balance interest free BUT you get charged interest IMMEDIATELY on any other card purchases. The interest free period between statement date and payment deadline no longer…
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Vanquis Card arrived, not sure I can use it yet?
Hi, I recently applied for a Vanquis credit card, did all the checks they asked me to do and uploaded my driving license etc It says I was approved and that the card was on the way. It arrived today so I logged on to the app with it and I thought I was okay to start using it, I was going to transfer some money into my…
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Chargeback advice please
MBNA agreed to a Chargeback after a car I purchased wasn't fit for purpose. The car cost £4999. I paid £4400 on my interest free MBNA credit card and £599 on my RBS debit card. I have been waiting for 2 December when the 45 day waiting period is finished. Yesterday the merchant rang to say he would be taking back the…
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Balance transfer fee question
I am looking at doing a Balance transfer as my 0% offer is ending soon in my current card. The one with the longest term states 3.90% introductory transfer fee offer, thereafter 3,% (minimum £5). I am probably being thick but what exactly does this mean? Does it mean I will be paying extra each month for a balance…
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Balance transfer error help
On Tuesday I initiated a balance transfer to my capital one account Later on the Tuesday I received a phone call from capital one fraud team asking about transactions I did not recognise The transaction was for .75p Because I said I didn't recognise it she cancelled the card and issued a new one I tried to explain I had…
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: Are BT 0% offers usually on new cards? by kimwp
4 August at 8:02PM
