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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…
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Exchange rate
How can I check that the exchange rate given by my credit card is at a favourable rate? I've looked at oanda.com for the rate on two dates when exchanges were made, and see the following: oanda rate 0.90624 0.90454card rate 0.90512 0.89657 There were no other charges for the transactions, so the only consideration for the…
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MBNA Credit card money trasnfer issue
I took out MBNA card on 24 Nov last year. On 27 Nov, there's a promotion of 0% for 18 mnths and took out £3k. Again on Jan'24, there's an offer of 0% for 12 mnths. I've been paying it off slowly but to my surprise received a text message saying both will expire this month and needs to be paid. Spoke with them over the…
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Virgin Money balance transfer cancellation issue
I signed up for a VM credit card for the purposes
of a balance transfer last week and also a Tesco card. They were both accepted
so I don’t need the VM transfer now. I stupidly assumed I would have to activate the VM card before the transfer
happened (the way Tesco and others operate) but it went through today.
I was told…
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Amazon Barclaycard
Recieved my Card 09th August. Called 15 times so far. Emailed numerous times. No answer to emails. Been told 15 times no fix yet for RG105 we will reach out...... What a Joke .
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Break from payments
Hi there, We have no income coming in at the moment and our cc card payment is stifling. If we ask for a payment break will it affect our credit score?
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Argos card sold to New Day
The Argos store card has been sold to New Day. No changes at the moment apparently. I think this is the last store card remaining not connected to Mastercard or Visa. hxxp://help.argos.co.uk/letter
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Credit card for spending abroad
Can someone tell me what is the best CC (excluding DC like Chase etc..) for use abroad nowadays ? I am a long-time Halifax Clarity cardholder, but it looks like these 2 are now slightly better Virgin Everyday cashback credit card (0.25% cashback, no fx fee, MC exchange rate) Barclaycard Rewards cashback (0.25% cashback, no…
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Sainbury's Gold Credit Card
I still have a Sainsbury's Gold credit card, however it is incredibly difficult to find out any information about fees when using the card abroad. There is nothing online anymore and even phoning the Sainsbury's Bank helpline usually imparts incorrect information. I have just made another call to them and was initially…
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Best way to pay off multiple
Best technique to pay off multiple credit cards? They are all of different balances and some are 0% and some not The top 3 are around 5500 each and the lowest few are say between 900 and 2500 Help would be appreciated
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Getting more credit cards
Don't like using these but may need some money soon to pay for my part of freehold. Shall I just go to as many banks as possible and apply? I'll try bank loan first but if that fails. With bank loan I found if I don't say I have one dependent and up my income a bit they accept
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My credit card company want to close my account due to inactivity
I hold 2 cards with tesco bank, available credit over the 2 cards apx £10,000, that i haven't used in a year and I've just received a still need your credit card letter? Due to the cards not being used they would like to close my account but I can keep them open if i use my cards by jan 2025. I have been holding on to them…
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Reducing credit card debt
Best way to reduce credit card debt? Some are on 0%, some are not Some are high balances, some are not Is it best to snowball and go from lowest balance to highest? Thank you
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John Lewis Card £40 in points offer
I received an email offering me the John Lewis credit card with a £40 points offer, £20 for signing up and £20 for at least 3 shops in Waitrose of £50 or more in the first 60 days. No idea if this is a personalised offer or generally available. I am far from a regular Waitrose shopper, but presumably I can use the card to…
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Question on BT end timing
I have a balance transfer coming to a end on the 20th Dec. My statement is created on the 17th, does that mean that if I pay the amount o/s by the 17th Dec statement due date in early Jan, I will pay no interest even though the BT finished on the 20th Dec?
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: Stoozing first time queries by surreysaver
30 August at 3:55PM
