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Money transfer cards
Hi I have been getting letters and promos about money transfer and we are thinking about using it. We are looking to get our driveway done and would need it asap so that we can benefit from the cheaper charging rate for an electric car. I want to ask about getting a money transfer to fund it. Would it harm my credit file..…
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Seller sent items week after chargeback dispute settled
Good Morning all, I'm not sure if this is in the right forum so apologies, as I wasn't sure where this fits. I purchased goods from the tiktok shop that were meant to be delivered before Christmas in December 2023. On February 9th, the items still hadn't arrived so I contacted my credit card company and raised a dispute.…
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Interest free credit cards
My interest free period ends in May. Should I get a new credit card and cancel this one. is it good practice to do this or can it negatively impact your credit score?
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Barclaycard declined Credit Card application despite being pre approved, appeal or apply elsewhere
Applied for a Barclaycard 0% charge and 0% transfer in order to pay off another credit card that I was about to pay off with a bonus but was (quite rightly) convinced by the Pension forum to sacrifice the bonus in to my pension and to pay off the CC another way. All good up until Barclay Card declined me despite being…
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Credit card scam with same IP address
I fell for a scam on IG last week and foolishly gave my credit card details. They took £7.87 and a non sterling transaction fee of 22p. It was only when I saw this and the name for the transaction that I realised it was a scam. It was supposed to be £9.95 and a different name. I filled in an online form to get my money…
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John Lewis partnership credit card with HSBC
Its not meant to be hard yet it appears so. Had a card with JL around 2016 which appears was in conjunction with HSBC, Im needing to make a claim but the numbers Ive been given are for the wrong departments, numbers ive been given are 03301233396 and 03301759829. I dont have the card ( card not been used since 2022 so its…
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Low credit limit and 70% chance - I have an good credit score
Hi, I've been trying to get a credit card of around £5k over the last couple of months to balance transfer another card (with £4.5k on it) - as 0% balance ends soon. I've done MSE's credit card check a couple of times- firstly got a card that only went up to £2k, which paid off another card. All I am getting is 70% offer…
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Nothing but a scam!
Hi all, this situation is ongoing so I may yet be sorted out but for now, I am fuming. We recently cancelled a holiday and the money was paid back into my Lloyds Credit card account from whence it came. I then attempted to transfer the money to the current account but there was no direct option to do so. However the site…
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Credit card S75 Claim and amount due in damages
Hello Scenario: I had an existing solar thermal system with a single panel on roof. I decided to swap it for solar PV. Installer and I agreed spec and I paid a 20% deposit of £2000. Installer arrived to survey property and disconnected solar thermal panel without permission and left on the ground floor - he was only there…
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Vanquis Credit Limit Increase Claims
Hi all, I hope someone can help. I had a Vanquis credit card and the credit limit was increased several times over many years, never at my request. I saw an advert on social media about claiming for this. I don't want to claim via the company advertising it, as you often lose more than the claim.! Has anyone done this and…
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I need to get £8K this year for a holiday - worst bad credit cards wanted
My credit score is 848 but I have some problems? can't get a bank or descent credit card. What are the worst credit cards for bad credit besides thimble and kimble or something? Will take them slowly and rebuild credit. One girl said pay my cruise on paypal credit. how does that work? what is the borrowing limits? she said…
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Avios to Nectar conversion changing
Just had email. Will change in March. Barclaycard avios card will now only pay 0.5% cashback equivalent!
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Chargeback/Clawback
Hi all, After raising a chargeback dispute over a holiday disaster, after a long review, my Nationwide Visa Credit Card refunded the claimed amount on 04/12/23, stating the merchant had 30 days to contest the chargeback. After the 30 days I moved the refund into another account. I then heard nothing until last week…
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UW cashback card fraudulent transactions
Received an email from Utility Warehouse today (subject "We’re sending you a new Cashback Card") saying: ... We’re replacing your card because we’ve seen some suspicious transactions at a range of merchants using our customer’s cards, and our analysis shows that your card was used or tested at one of these retailers. ...…
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Double checking my assumptions on use cards interest free
edit: made a mistake where I said March instead of February in my hypotentical example. Just a mental blip. Revised below hello I already have an 0% purchases card for longer term repaid purchasses like car insurance and other high ticket items. I am asking about a reward points card here where I am just trying to stay on…
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Paying credit agreement off
Hi, I have a credit agreement, or loan, with Tabeo for a company who went bankrupt (Smile Direct Club). My refund request was rejected by Tabeo which was initially a complaint due to not receiving the service. Thousands of people are in the same boat. If I pay the remainder of my loan off with a credit card - will I be…
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Balance transfer
I have just taken a 0% card with a well known high st bank. I also have another card with them which isn't interest free. Can i transfer the balance from that card onto a 0% card with a different provider, then in a couple of months transfer the amount back onto my new 0% card??? The 0% card with the different provider is…
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Credit card balance transfer
I applied for a balance transfer which was accepted. New card arrived with the amount requested. However my old card still holds the full balance. The new bank hsbc transferred money to wrong bank details not my old credit card provider. Spoken to both banks but taking ages to resolve. I don't understand how this can…
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Barclaycard Statement
I applied for a new Barclaycard to take advantage of the 0% on purchases. Got an email to say my first statement was available. Looked online and couldn't see it. Read the FAQs which said it can take a couple of days to show. Waited. Got to three days past the statement date and still not showing. Webchat to ask why, and…
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HSBC Credit Card - speak to UK call centre?
Hi, I have a complaint with HSBC regarding my credit card and am desperately trying to speak to someone who I can have a detailed conversation with. I am fine with Indian call centres when they have well trained staff, but I have spoken to two terribly unprofessional call handlers about this so far, the most recent of…