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American Express credit card chargeback rebilled after 7 months
Sorry to reignite an old debate. I used an American Express card to pay for a number of hospitality tickets for a football event in Spain in November 2023. The service was not as described and I contacted the merchant to resolve. They flat out ignored my requests after 2 months of trying politely. I had a couple of replies…
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NatWest didn't want to offer me a card, but is it a rejection/refusal?
I went online to apply for a credit card from NatWest, after I put my personal details, I get an error that I can't continue with the application. I gave them a call to ask and I was told they can't offer me a card now, and they can't say why! This comes as a surprise to me, as I have never had this before, my credt score…
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Pre Approved Website Error
Hi All, I would like to consolidate some credit cards onto one interest free card and had used the MSE tool to find a good deal. I had selected HSBC and completed their online form. The issue is after I hit submit, I was met with an error page - see below. Should I expect to see a credit reference check on my record if the…
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Wiping debt emails
How long after sending mental health and debt form will credit cards respond? Will they likely wipe the debt or 75% off? Regards
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Section 75 / Chargeback Refund Issued
Hi all, Hope you’re all keeping well. I was wondering whether there were any experts on S75 / Chargebacks. Initially I raised a claim to Barclaycard at the end of April 2021, I attached the evidence via their online form and off it went. I didn’t hear anything initially, and I called several times for an update between the…
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What should I do after paying off my credit cards
Hi all, I’ve got about 3 seperate credit cards, I decided to pay them off and put them onto a loan as it will allow me to pay them off faster. Now that they are all payed off do you recommend that I close them or should I keep one or all of them open?
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Am I a Homeowner?
When applying for credit, what option shoild I tick? Homeower - with mortgage OR renting? I live with my husband, he has a mortgage (in his name only) for the property we live in. I am not named on the mortgage at all, but we are married. I do, however, pay a set amount into our joint account each month which is used for…
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FOS Time Scale
Hi All, I started a case with the financial ombudsman with a complaint against Aqua Credit Card. My complaint has been upheld by the investigator but as Aqua have not responded with in the time frame then it has been referred to the Ombudsman to look at. Has anyone had experience with this, or have any idea what the time…
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Is it worth applying AMEX
Hi there, currently i have a score of 812 on experian and 512 on equifax/clearscore. I have 3 credit cards already totalling to £2200 limit. The amex checker is saying i am ineligible for the AMEX cashback card but MSE says i have a 80% chance of getting accepted. Is it worth me applying? I have only had my 3 cards for the…
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Nationwide Eligibility Checker
When you do an eligibility check with Nationwide how does the soft search show on your credit report in the soft search section?
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Credit issue.
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MBNA credit terminated with immediate effect?
Hi, Posting on behalf of my mother. She is a pensioner and applied for an mbna card with a 0% spending offer. She has cash in the bank and a good credit history, only other credit is a barclaycard which has a zero balance. MBNA granted her the card, she used it and was servicing the card for about 4 months when she logged…
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Monzo Flex refund
I was returning an unwanted purchase in a shop the other day that I paid for on Flex. Opened up Google wallet on my phone, selected Flex card and it said this method isn't supported. Had to choose my normal CC (Tesco) to get my refund. Has anybody come across this? Thinking I might have to physically have the card on me…
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M & S credit card - Rewards Club
I received a message today which I cannot now find, possibly deleted in error.Just wondered if anybody else has the full details.The benefits are being improved from what I hurriedly noted.
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Post Office (Capital One)
Applied for above, 0% for 18 months. MSE eligibility and their soft check said 100% chance of acceptance subject to security checks... Completed the application and to the 'do you want to transfer a balance?' applied for a BT of 3k and got immediate "It's a Yes! Click to continue..." After some time it then said they need…
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Amazon Barclaycard and Google Wallet
Has anyone managed to add a new Amazon Barclaycard to their Google Wallet? Is there a knack to it? I've made two attempts and failed twice. The first problem seems to be the way that Barclaycard lay out the number on the back of the card - in portrait format with four rows of four digits, rather than sixteen digits in a…
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Credit card payments getting declined and blocking the card
Hi all, I have a credit card that I always use for spending overseas and for overseas websites, but recently payments have been getting declined and the bank is blocking my card and I have to call the fraud number to get it unblocked. This has happened 3 times on the same website and I have had to call 3 times to get it…
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Balance transfer
So quick question say you have £8000 available for a balance transfer 0% for 14 months and have £1,800 and 1,100 on another 2 cards at 29% apr each. if I was to transfer these 2 cards to the 0% I can at this moment maybe more after Xmas pay £120 a month so that wouldn’t clear the 0% in time so should I only transfer what I…
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Which credit card companies uses which credit agency?
I just applied for a Tesco bank credit card as I'm very close to my 12 month interest free ending this month. Dismayed to be turned down though, whereas a year ago had no problem with Virgin money (the card I'm wishing to transfer balance from). It said on the decline page they used Transunion. I was hoping to apply for a…
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Section 75 associated costs
Hello MSE hive mind! I recently had a flight cancelled in the USA due to adverse weather and had to book into a hotel overnight until I could get the new flight. I have tried to claim the associated costs through my American Express but they have come back saying that there wasn't a breach of contract so can't be refunded…
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
