-
Amazon Marketplace refund
Apologies if I haven't put this in the correct category - I'm not sure where to put it! I've had a terrible experience buying a refurbished phone on Amazon Marketplace and wondered whether anyone on here could advise what I should do to get my money back! - On 2nd June I ordered a refurbished Apple iPhone 13 Mini for £329…
-
Card charged despite not entering PIN when prompted
Hi all I tried to use my CC contactless, it asked me to pop it in the machine and enter my PIN. I hadnt used it for a while and couldnt remember my PIN so used my debit card instead. The payment went through OK and all was fine until I saw that my CC HAD been charged some days later!!?? I called my CC company who told me…
-
Fraud on a curve card what to do
Hi i use a curve card with my credit cards upto now its been a good expereince On sunday around 4am i had quite alot amoutning to 380 pounds of fraudulent transactions on my curve card when i woke up and noticed i froze the curve card and they stopped I contacted curve via the app didn't get anywhere doing that so i filled…
-
Best Credit Card for Cashback & great customer service for Section 75 Refund
I have had a horrific experience with how HSBC treated my refund claim under Article 75. I am looking for advice on a good non-Amex credit card that pays cashback and that would give me a better customer experience when claiming a refund, thank you :) This is the story: To get a refund under chargeback or Article 75, HSBC…
-
Pay off outstanding balances in full or not
I'm in position to clear all my four Credit card balances in full, approx £4000 1 Should I go ahead and clear the outstanding balances in full and close the accounts 2 Almost clear the balances just leaving say a £10 - £15 balance on each card and retain the cards 3 Almost clear them off (as above) and ask for a reduced…
-
Working out minimum payment
Hi all, I just got a 0% credit card with virgin. It has a balance of £3500. Please can someone help me work out the rough minimum payment due? I’m not good at working these things out! Thanks
-
Bank Cards
which is best to use at home and abroad Santander edge credit card or bebit card
-
S75 help
Just looking for some advice. I bought something from a company that has subsequently gone into liquidation. The company was based in America and I didn’t get the service that I paid for. I submitted a section 75 claim from the credit card provider and have received an email to state that a payment will be made to myself.…
-
Meaning of “Pay in full” CC
Hi, When in comes to a rewards CC for example, could someone confirm exactly what is required to pay the balance in full. if I get a new CC on the 1st of the month and spend £1k on it’s the following week. To avoid interest, do I need to clear that £1k before my first statement? Or, once I receive the statement do I need…
-
NextPay Max Temptation
Honestly with Promo Savings of £90.50, Tempting Indeed.
-
No Credit - Poor 501 Score
Hello - I've never had a c.card, never been in debt - so I have a poor 501 credit rating. Trying to get a credit card to pay for a £650 training course (adult student) - to increase my employment opportunities - but application calculator says i'm not eligible for any cards. Self-employed as cleaner & receiving benefits so…
-
Balance Transfer
I have a number of cards currently with different providers all still on the introduction offer period. Two have largeish balances. One of which I am wanting to put off paying, with a zero fee transfer if possible. This is because I am expecting to have some bills come up soon for the house. Natwest (£5013.47) - end date…
-
Natwest CC Transfer limit between cards?
Hi, I wanted to know if anyone has any experience with transferring limits between two Natwest cards. I have a older card which I'm looking to close, and transfer the limit to my new no fee 13 0% BT card? I was one the phone with Natwest however I couldn't be bothered to wait 20+ minutes. Thanks in advance.
-
Transfer to 0% card now, or wait?
We have three credit cards with 0% interest, which expire end of the year in December, januray and March. Hubby has been offered a santander 0% for 15mth on balance transfers card, with a £3 a month fee. Part of me thinks we should hold off and wait a few months to see if better deals come up such as no fee (as has been…
-
Onmo - Choose someone else.
The reality of having a Onmo credit card is: 1. Most of the high reviews are not based on experience, because new customers are pressured in making a quick review for the following reason: Onmo gives a new customer a few days to write a review on Trustpilot in return for a voucher. This is an unethical way of going about…
-
Santander Credit Card. Once closed barred forever? any others the same?
hi. as the title says really. Once you've had and closed a Santander CC account you can't get another - ever, is that correct? i know Chase current is the same, any other financial accounts in the same boat?
-
Onmo credit card - anyone else finding them awful
Hi All, first time posting on here. Currently starying out rebuilding my credit after past mistakes, will be default and CCJ free by August next year. Anyway was recently accepted for the Omno credit card and it looked ok at first, decent limit not planning to go mad and max it out, just use about 30 percent per month and…
-
90day 0% card repayment interest?
I have a credit card with 0% introductory rate for 15months, but that only applies to purchases made in the first 90 days. after that the normal 20%ish rate applies. I made some purchase with it before 90days and some after. So- when i repay, do my payments clear the 0% loan first, and leave the 20% part till last, so i…
-
Change Nationwide credit card limit more rapidly
I've been a bit stupid, I don't use my credit card much, there as a small amount owing on it, £50, and I forgot to pay anything off for a couple of months and now Nationwide have slashed my limit down from 10k to £500. I'm working on a building project and I could really do with the limit reinstated. I have contacted them…
-
Second card yes or no?
I've just checked my credit files, and they're excellent. They're also showing a number of Credit Cards with 90%+ likelihood of obtaining one. With my current card I'm using no more than 5% of my available credit each month. What are the advantages/disadvantages of obtaining a second card?
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
