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Ineligible because credit score too high?
Is it possible (or even probable) that those of us with high credit scores can be ineligible for 0% interest with no fee balance transfer cards (such as the new Barclaycard offer) because we are almost 100% certain to repay on time before the end of the 0% interest period? The logic would be that there is (effectively) 0%…
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Cash fees on credit cards
I spotted a "Cash Fee" on my credit card today when checking recent transactions...of course I never draw cash and I always pay my card IN FULL so I was perplexed I phoned my card provider (Halifax) They explained it was the fee element of paying a £100 fine (Speeding...35 in a 30) so be aware as you'll incur interest…
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Credit card application approved, advised card is on the way in error. - Complaint advice
Hi all, Looking for some advice if possible. I applied for a balance transfer credit card with a 0% balance transfer offer with Santander in August, it was pre approved, ran a full application and was advised contact would be made within 5 days regarding the application. No can’t was made until 2 months later where I was…
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Credit cards and direct debits
I've just recently acquired a zero percent purchase credit card(HSBC) and am currently putting all my shopping on to it. I would also like to pay my bills using it but they are all set up as direct debit payments from my current account. Will I be able to change payments to a credit card? In other words can credit cards…
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How do i pay bill with amazon credit card?
I have a large bill i want to put on the card in order to get the cashback (ill pay it off immediately) but i cant see how to do this, online help is no use, any help here? (Im suspecting that the correct answer might be : you cant)
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Amex account been hacked for the second time in 2 months.
I'm actually curious as to how this even happens. A couple months ago someone hacked my Amex card & used my details to subscribe to ChatGPT. I have 2 additional card holders (2 family members) but it was MY card details that had been used, not theirs. I brought this up on another forum on this board and the best I got was…
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Can I get my money back
Hello, I've tried to find a thread similar to my query but can't see one anywhere on this board. If there is then please point me in the right direction. If not I would appreciate if anyone can answer my query. Even if it is in the negative. I made some bookings on Booking.com for next May. Shortly after booking (same day)…
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Direct debit not taken
Has anyone else not had their barclaycard direct debit not collected? Mine was due to be taken yesterday but not showing anywhere on my bank account or on my barclaycard login, but DD is showing as live for full balance. Definitely enough money in there, but I'll end up in credit if I pay it separately, but don't want a…
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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?
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: Lloyds 0% overdraft by pecunianonolet
29 September at 8:42PM
