Credit cards

I'm looking for a credit card to use as a secondary card when I'm buying things online from a company/organisation I have not heard of I'm reluctant to give details of my normally used credit card and I want to set a low limit such as £200 so if anything goes wrong the damage is limited. One example is a roku streaming…

Is it legal, when paying by cc, for the agent to charge a fee where they state it's for Merchant acquiring fees, payment gateway fee, Specific service charges and VAT and will be between £33.54 and £69.09.

Second year Uni student has been refused a starter credit card from their bank, Nationwide because they currently only have sporadic part time work. They have tried for another card but have also been refused. They are on the electoral role. Will they need to have a more permanent part time job before they can begin to…

Hi, My wife and I were due to fly to Corsica on 28th June with easy jet and Air Corsica. I have just lost my job and was wondering if i can claim the flight costs back on our credit card?

I recently bought new glasses from Vision Express in-store at Tesco. Everything was fine until I checked my American Express statement. The two transactions I expected had gone through but the Merchant name was a Drama group that I know to be located about a mile up the road, no reference to Vision Express. I contacted…

I bought a Tag Heuer watch as a gift in 2023 it was still under the original warranty and was bought from an online watch shop. It came with all warranty documents, all the tags, stickers the works. The warranty also was registered with tag confirmed on their now defunct (because it was worthless) warranty checker. It was…

What Money or Balance transfer offers are existing customers getting and where from? I’m especially interested in the percentage fee. For example Lloyds are currently offering me 24m BT with 3% fee.

Husband has had a Barclaycard for many years (with me as an additional cardholder) and we use it for most of our spending and normally pay it off IN FULL 😄every month. Whenever he logged in there were offers for 0% balance transfers and money transfers. Last year we were buying a house and he also needed some expensive…

I've just received an HSBC Credit Card, however the paperwork says nothing about the 3 year transfer at 0% mentioned on the newsletter, the main reason I applied, only an expensive 24.9%. It seems like a standard piece of paper though. Has anyone explicitly received the 0% rate? Second question is, can the card be managed…

Hi All I have a major problem with my paypal credit account and i am wondering if anyone else out there is currently dealing with the same problem - or can test their paypal credit account and see if they have the same problem! I have always used Paypals 'pre-scheduled' payment option - so at the beginning of the month, i…

Earlier this year I took a case about my credit card to the Financial Ombudsman and the case was closed in March. I now need to contact the Ombudsman about a particular piece of evidence, and am not sure how to do it. I can log in to the ombudsman site and see my complaint but don't understand how I can contact them about…

We are heading off to Australia soon for 4+ weeks. When we arrive I will need to pay the balance of our accommodation costs - £5000+ This need to be paid in AU$ Originally I had booked somewhere else that wanted payment in UK£ so, in the last 2 weeks, I increased my credit limit on my Avios Barclay Card to £7,500 However,…

Hi - since January I've been putting all spending on my Lloyd's Ultra card, after switching to them for the £250 offer. It gives 1% cashback till January next year. The amount always used to be shown in the app along with balance etc. It stood at around £250. Now the app has been "refreshed" I can't locate it. The "reward"…

Hi, My daughter (22 year old) has just finished Uni and has a couple of part time jobs and is earning reasonable money. She has no debt (apart from student loan) and currently just uses her debit card to purchase fuel, clothes, socialising etc. She is now wanting to start building her credit score and is looking at getting…

Why is it that, when I ask for a balance, instead of telling my what my current balance is, the ATM tells me my available credit? I'm looking for what I owe, not what I still have available to spend.

We normally go on holiday to Europe and load a Caxton card with euros to use while we are away. However, we are off to Stockholm very soon and are wondering whether it will be better to use our Nat West ordinary credit card, or a Santander All in One to pay in kroner. I also have a Santander Edge debit card. In the Money…

When a retailer authorises £1000 against a VISA credit card and subsequently takes £500, does any record remain of the original authorisation ?

I am fortunate in that I have never been out of work or had any financial problems, and have an excellent credit history. That is not good enough for Lloyds whose automated security algorithms have twice stopped me from buying something with my Lloyds so-called 'Ultra' credit card, and then blocked the card. This is…

Just been told by Amazon Barclaycard that they currently can't increase people's credit limits. Just to be clear, I don't mean that they won't give me a higher credit limit but that on the Amazon Barclaycard the system isn't set up to be able to do this 🤬 I have never heard anything so ridiculous for a major brand -…

I like to view my CapitalOne credit card account online on my laptop. They have just, on 4th August, moved to a new system whereby you have to download an app onto your mobile phone instead. You can't use the secure messaging function any more unless through the app. I phoned them, and said I understood I could download…