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Santander Credit Card Applications
Applied for Santander credit card about one week ago and to my surprise was asked for proof of identity and address. I have a rich credit history and should never be asked for this sort of information as they should be able to confirm this through electronic records and electoral roll information. In this century I would…
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0% deals dried up… is it because I went over 50% usage?
So… I’ve got 3 credit cards, had them for years. Used them to flip the balance around and get 0% deals. Also have a couple of loans. Never missed payments, credit scores excellent Now I keep seeing that credit scores don’t matter, and lenders use their own criteria etc etc… BUT - in recent times I no longer receive 0%…
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Barclaycard Refusing to Help a Customer who is only trying to help herself
After
Speaking to a People Manager at 9 am today: I have spoken to Ashina, people manager in deli, about not
being able to meet the payment of £600 this month on my credit card, and asked
for the date to be pushed back to the end of the month (or to reduce it to £300
which I would be able to cover this month) as…
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Halifax contactless payments through Google Pay not guaranteed
Me and my wife have had a number of contactless payments declined recently all at the same dental practice. My wife is a second card holder on my Halifax credit card account. I raised this with Halifax to try and understand why this was happening, this eventually being raised as a formal complaint. We are nowhere near the…
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Barclaycard closing my account due to "Business decision"
I logged in today and noticed my Barclaycard balance transfer offers are gone and it says that I have no credit available because the account is suspended. I'm wondering why because they've been earning Balance/Money transfer fees off me since 2019 and I've always paid back what I owed back to zero, then took a new offer,…
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Asda credit card - fraud
Someone stole my credit card September 2024. I immediately reported it to Asda and the police. It is now 5 months and they have still not reimbursed me the £200+ despite calling them and a letter from them they are still investigating!!! Are they legally obliged to reimburse me and if so how long does it take?
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Paying Mortgage with Credit Card
Hi there, I plan on overpaying my mortgage by the 10% limit per year. I have the money to pay this separately. I wanted to pay it on my credit card for points and then pay it off straight away. Can anyone see any issues?
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John Lewis Partnership Credit Card
3 months 0% purchases. I’m pre approved, does this mean that if I apply and am given say £1000 limit, that within the next 3 month I can go into say John Lewis and pick up items valued at £1000 at no interest? If I also over the course of this 3 month only pay £200pm towards this, is there then interest charged in after…
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Application rejected: Name mismatch
Hi, Bit of a dilemma, I made an error in my application where I only used one of my two 'first' names, which resulted in verification and application being rejected. For example my name is: John Andrew Smith with no middle name, with 'John Andrew' being my first and 'Smith' being last. For the CC application I only used…
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M&S credit card - 10% cashback, misleading?
I'm a tad confused - I've received an email from M&S which says that I can get 10% cashback, to a maximum of £50 per month, but in order to get this I have to spend £800 per month. But... 10% of £800 is £80 which would mean that the cashback is in fact 6.25% (if my maths is correct). I honestly wondered whether the email…
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reserving hotel rooms with my credit card
OK so I need to reserve a number of hotel rooms for relatives staying near our family home in Canada. Looking at 5 rooms for about 4 nights and maybe another 5 for 2 nights. 4 nights would cost about £600 each and 2 nights about £350. So total cost of the reservations may come to over £5k. I have no intention of paying for…
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Having a meal out is a gamble. Nationwide classify a meal at a casino a gambling transaction.
From their recent changes to T&Cs Condition 5(b) Transactions “We may, acting reasonably, refuse to allow a transaction...if the transaction relates to digital currencies or gambling services. This could include any purchases from a gambling or digital currency business e.g. meals at a casino.” In fairness it might be a…
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Credit Card Fees on Refunds.
Morning. Its been made clear to me this morning than when refunding customers, I am still charged the processing fee by the payment portal For example a transaction this morning the customer "made in error / changed his mind" of £1170 has cost me £29.45 in fees - leaving me £29.45 in the Negative due to the customers…
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CC payment surcharge - have I invalidated my 0% interest offer on CC?
Hello, looking for some reassurance please (as otherwise will have to wait until the next CC statement to find out...). I've just made a CC payment to an airline directly (not a TA) to add luggage to my flight tickets bought long time ago on a debit card. They asked for £2.50 CC processing fee - which was fine, I was ok to…
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Timing balance transfer
Hi all. Apologies if this has been asked before - I did try a search and couldn't find an answer. My 0% on purchases period on my Lloyds card is up in early April. I'm looking at a balance transfer, ideally to the 14 months 0% no-fee Barclaycard. This will be the first time I've done a credit card balance transfer.…
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House Renovation/Extension best way to finance
Hi I am new to this but here goes. We are looking to start a scheme of renovation and extension on our house. We would like to pay off the works prior to our mortgage renewal in 3 years time. What’s the best way to finance ? I have read that maybe two 0% credit cards could work ? A money transfer and a payment one? That…
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What's the best Amex and non-Amex credit card combination
I currently have the Amex platinum cashback credit card, and it's been pretty good. A £2-3 hundred cashback each year I'd say I get. However, I'm finding more and more places won't take Amex, meaning I usually resort to my debit card. This seems a waste when there are Mastercard and Visa credit cards that offer rewards,…
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Debt and need a 0% Balance Transfer Card
Hello. I have some debts that I need to pay off and I saw MLMSE on tv the other day talking about 0% balance transfer. However, I have used the eligibility calculator and I am not eligible for any. What can I do?
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Amex rewards credit card
I chatted to Amex about cancelling my Amex Gold card because of the annual fee. The assistant suggested I could change to Amex Rewards Credit Card, which has no fee, and asked if I wanted to take the FREE optional Insurance. I'm puzzled. Why is it optional? Is there a catch? If I agree to take take the insurance will I be…
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Barclaycard Credit Card Cashback
I had an email from Barclays saying you no longer had to wait until you earn £5 cashback from the rewards partner website. I have tried claiming mine but it says I don't have enough funds even though an email I have states this should no longer be an issue. Has anyone else had the email and has anyone else claimed leas…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by surreysaver
27 February at 12:22AM
