-
Section 75 claim on faulty goods?
I purchased some Sony earphones in 2021 for approx £250 on my credit card. About 5 months ago, I did a firmware update and ever since then, the left earbud has become faulty and only lasts for about 20 mins on a full charge before it dies. I have looked online and discovered 100's of other users are having the exact same…
-
I've just been scammed and I need help and to inform everyone.
I have just been scammed. I immediately spoke to my Bank(Barclays) and they are attempting to deal with it for me. Trying to speak to Paypal is a waste of time!! I have deleted the fraudulent sites from my Facebook account. The following is a thread from another site that perfectly describes what has just happened to me -…
-
Should I close out a credit card? Which one?
I am interested in maintaining a good credit score and getting rid of unnecessary cards. Current Cards: HSBC (9k limit) - 0% - opened Nov 2023 - currently on track to clear the balance prior to the 0% ending. Amex Platinum (22k limit) - cleared monthly - Up for renewal in Feb 2025 but will likely cancel as only opened for…
-
Advice on minimum C.C payments
I’ve just acquired
a new credit card from HSBC with 20 months interest free on purchases. I intend
to save the money, make some interest and pay off the card nearer the time. I
know I need to pay the minimum each month, I think it’s around 2.5%. I’ve read
some where that it’s best to pay a bit more than minimum, is this…
-
Section 75 Refunded in full. The company now threatening Legal Action
I raised a Section 75 complaint against a well known home improvements company for breach of contract and mi-selling of products and services which were not as advertised and inferior products received which were not fit for purpose. My complaint went to Visa International for a final decision I was successful and refunded…
-
Notice of Sum in Arrears
Hi all, I have recently received a letter from Tesco bank Credit Card stating that they did not serve me with Notice of Sum in arrears (NOSIA) in 2018 when I missed few payments. The letter attached a cheque with refund money. I have cashed it. Back in 2018, I also had a credit card with Nationwide Building Society. I…
-
Pre-loaded debit card options?
I want to give a family member a sum of money on a debit card which can be used for day to day spending. Can anyone advise please.
-
Section 75 - arson - insurance
Please can anyone help I have no idea where I stand. I purchased a car in August. The car developed a fault. This was over 30 days but less than 6 months so I was entitled to a repair. The dealers refused to repair the vehicle and refused to discuss my complaint with me in anyway. Aside from the initial replies saying they…
-
Close account that is paid off
Hi all Should I close a credit card account that is paid off and will attract interest if I I use it. I have m and s card and a lloyds card that are both paid off I have two card that have a balance on with 0 percent deals needing next year which will be paid off then M and s 6k limit Lloyyds 7.5k limit Halifax clarity 4k…
-
Amex Platinum - value for money or not £600 annual membership
My wife and I use our Platinum Amex for all purchases where they accept it. There is no APR as such as the conditions are the payment is cleared in full each month by DD so we only ever have 30 days or so credit. The annual fees are £600. We probably spend >£40k annually which includes holidays (2-3 a year), household…
-
0% balance transfers
Does the transfer have to be from another credit card? Or can you transfer a balance from PayPal credit?
-
Lost CC and the missing refund.
Problem solved. Please delete mods. Thank you.
-
Barclays avios plus intro bonus
Hi everyone have a few questions about the bonus miles: My partner has main card and i have supplementary card If the spend threshold of £3k is reached before the 3 month time limit ends does it trigger the avios miles to be added or does it only trigger once the qualifying 3 months time limit has ended? I understand that…
-
RBS Black Credit Card and Costco
Does anyone know if RBS Black credit card counts Costco as a supermarket and hence 1% cashback (versus 0.5%)? I have a large-ish one-off purchase coming up and need to decide on which card to use.
-
cashback card or 0% purchase card?
I have always gone for cashback cards - 1% or even 2% (Santander Edge) wherever possible. Pay back in full every month of course. Just realised if I had gone for 0% purchase card and put what I would have paid back into even a simple savings account (eg Marcus 4.3%) I would have got the equivalent of 4.3% cashback (12…
-
Are credit cards open to APR negotiation?
A bit like how they are open to increasing your credit limit, are they equally open to negotiating a lower interest rate? I don't think I've ever heard of this before, and by that I've maybe answered my own question, but it's a curiosity I wanted to explore anyway. Will they negotiate? Will just asking the question leave a…
-
Pulse/New Change of terms
I have always paid my statement balance in full each month to avoid interest charges. I now find that New Day have changed Direct Debit payment terms, for users who pay their balance in full, to collect the payment 10 days before the payment due date
-
M&S credit card balance transfer - used my card number not account number
Hello! slight panic here as I’ve had a balance transfer approved and finalised from my M&S card to Capital One to get 0% interest. however I’ve realised my card number if different from my account number on my statement. I’ve used my card number when I think it asked for account number? my other card they are one and the…
-
Cannot get my head around credit cards
As someone who's only ever had a credit card, despite reading the credit card information on here, and watching YouTube videos, I'm still not sure how they work. I mainly refer to paying it off "IN FULL" and interest rates. How I think I understand it is, let's say I have a 20% interest rate (with no 0%), and I purchase…
-
How are credit cards funded?
I was going to post this on one of the Creation thread but decided that I would not sidetrack those threads. This is me speculating as I have no actual evidence. This post is countering the arguments made by those who say credit card companies are making lots of money from the interchange fees. As demonstrated below, I am…
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 WYSPECIAL
13 January at 8:12AM
