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Creditcard late payment fee from Capitalone/Ocean when direct debit was setup
Hi I got a late payment fee of 12 pounds on November12. I had setup a direct debit and it used to go from my account as bill payment. When i login to my account now i dont see direct debit setup. What kind of scam is this? wont it affect my credit rating? I thought when we setup direct debit we dont need to worry about the…
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Limit on balance transfer not high enough
I have 3 credit cards that I've only just realised I'm paying high interest on. So I wanted to combine the debt of all 3 and do a balance transfer (for all 3 cards) onto a new one with a 0% interest free period. I was looking to transfer a total of just under £10,000 but even though I was pre-approved to transfer this…
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Tesco credit card 0% ending email
Hi I’ve received an email this morning to say my 0% interest offer comes to end in 2 months (11/01/25) when it should be November 2026 as I took out the 28 month 0% card in April this year. I owe quite a bit on it and am now freaking out as I can’t pay interest the balance I have alongside other commitments I have. I…
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Santander CC - approved, timed out due to bank error and then subsequent application rejected?
Hi everyone, apologies as this is a lengthy saga... I am 44yo, separated from my wife in January 2024. We had a small (around £4k) debt on an RBS credit card which was in her name and agreed to split this debt equally. In the short term I just paid my ex £100 pcm so she could gradually pay my share of the debt off. However…
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NatWest application online message
I went through MSE eligibility checker and got 100 per cent pre approved NatWest offer but when I go through to NatWest and fill in the first page name phone etc it immediately says: Sorry we can’t go ahead we can’t continue with your application online There is no follow up email or anything, is this a rejection or some…
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Premier Inn won't accept credit or debit cards not valid at check in date
Went to pay for a room with Premier Inn for July next year, but found that all 3 of my credit cards and debit cards have an expiry date of January and February next year. They won't accept any of them as they are not valid at the check in date. This means I will have to order a new credit card just to book my room, cancel…
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Credit card eligibility in the days of defined benefit pensions
Now I do have several credit cards, but I notice Amazon BarclayCard is offering quite good cashback (2% @ Amazon , 1% elsewhere) so I'm minded to get one. Now I actually have some annuities paying out, but for the sake of argument let's assume I don't. So many folks, moving forward, will have DB (Defined benefit) pensions.…
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Loyalty points and balance transfers
Hey everyone,I’ve got a major house refurbishment coming up, with planned spending around £20,000. I’m considering applying for loyalty credit cards, like the Virgin Atlantic or Barclays Avios, to take advantage of sign-up bonuses, loyalty points, and companion vouchers. My thought is to hit the spending thresholds to earn…
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Paid off Washing Machine with Credit Card and been charged a cash advance!
So, bought a washing machine from Currys, used buy now pay later 0% using their Creation Finance firm. Paid it using a virgin credit card in one hit so as not to incur any interest. All good, paid on time and my budgeting is on schedule to pay the CC on pay do, no problem. Today I see that there is a Virgin "cash advance…
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Mystery Sumup payment on credit card statement
How do you find out what a Sumup payment is for? There's one on my credit card statement, ref Sumup *handforth Thcw Cambridge. I haven't got a receipt for the payment and can't remember or find out what it's for. I googled it and got to company information about Handforth Thcw but am none the wiser who they are, I guess…
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Credit Card payment via branch counter
Hi, Does any bank allow cash credits to credit card account via branch counter. I think HSBC does but not 100% sure. Thanks
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Sainsbury Credit Card - T&C changing?
Got an email about this 5th Nov with docs to read to dowload. Download does not work. I can download pics in the email fine......:} Has anybody else had this? What is changing? Is it same as Waitrose card which I have now ditched? i.e. 2 weeks if that of credit from last transaction in accounting period. Thanks for any…
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M&S Credit Card Application
I’ve recently applied for a M&S credit card. I did an eligibility check and it said I had a 80% chance of approval (I know this isn’t guaranteed). I got an email suggesting a decision would be made within the next 5 days. I was wondering if anyone had any recent experiences of applying for a M&S card.
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RBS 0% Balance Transfer Credit Card
Wondering if anyone knows the answer. I've looked in terms but still vague to my mind. Applied for a got a 0% BT of which I have bumped 95% from another card. It leaves me 5% to spend, and then the monthly payments to top up as well. If I spend in the first 3 months, it says 0%. Then normal rates afterwards. * 0% for 13…
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First Direct Credit Card Warning
Please be warned FirstDirect have moved their statement and payment dates without warning. I am not sure if everyone is affected or just a few people. My statement date should be on the 6th November but this has been moved to the 15th November with no notice. This could mean that your statement will have another 9 days…
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Section 75 claim rejected for sk:n clinic
Hi, I'm hoping someone can help... I used the free finance last year to buy laser hair removal from my local sk:n clinic, via Omni finance. I received 6 out of 8 treatments, before they went bust. Omni finance state that given it was interest free, there's no way to claim any money back. I paid the deposit on my credit…
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Does changing your credit card effect your credit report for first time buyers
I have had a post office credit card for around 1 and a half years (never missed a payment) however there are no benefits to it. If I change cards, will this be a bad move with me looking to buy my first place in around 6 months time? Thanks
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Tesco zero percent interest / one per cent balance transfer offer - misleading?
I signed up for this deal a few months ago. My understanding was that I would pay a one percent fee each time I made a balance transfer of one percent of the amount of the transfer but I would pay no interest, So if over three months I transferred £1000, then £2000 then £3000 I expected I would pay £10 plus £20 plus £30…
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Pay to increase credit limit
I am getting some work done and the total is over my credit card limit of £3000 The work will be done over a week and I have to pay a % at the start of the work and the remainder on completion and I can pay by my Amazon Barclay card so I can get points. The first payment is £2100 and the second £2000 so will put me over my…
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Debt Collection Letter Received for Credit Card Refund
In January this year, we hired a car in Spain. We when returned home we noticed that our credit card had been debited £208 (No given reason but probably for fuel). We had already paid for fuel upfront via the booking agency. We raised a dispute with Santander and they agreed and returned our money after three months as the…
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
5 August at 9:57AM
