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Forged signature?
I recently came across a credit card with my name on it that I didn't apply for. My husband said he got it and that I was an additional card holder. I didn't ask to be and I wasn't aware that he was applying for one either... Does this mean that he forged my signature to get the card? Why would I have been added as a card…
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Microsoft store £0.00 entry.
I wonder if someone will kindly explain, what may be obvious, but escapes me. Now and again I get an entry on my credit card as in the title. I have ignored it up to the present. But today I ordered an item on Amazon - then tried to change the delivery address. Every time I did so - it sent me on a bizarre loop asking for…
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Late planning on abroad purchases - help!
My wife and daughter are travelling to Munich next week (Adele!) and due to recent family bereavements I haven't planned ahead for spending (usually I make sure there is a good card available for overseas spending). So, I need advice from experts! What is our best strategy to quickly find a good spending solution? I have a…
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more than one Barclaycard?
Occasionally I read on the forum boards that someone has two or three Barclaycards. e.g. Barclays Hilton and Barclays reward, etc. I was probably mistakenly assuming that one is allowed to have only one Barclaycard. So my questions are - does Barclaycard remove the restriction from time to time? In particular, is it…
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Restaurant did wrong currency - extra charge
We wanted to pay in €s and told the waitress this. When we tapped the Barclaycard on Apple Pay, €s was displayed. The waitress then pressed 2 for €s, but then 1 for accept conversion in error instead of 2 for reject conversion (to pounds). The end result is that we have had a bank fee applied to the receipt and nothing can…
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Credit card for one off big purchase
Hi, I’m going to in the next few months have laser eye surgery, for just under £5700. I have savings to cover this but am researching if there’s a better way to pay for it? The medical company does accept Amex, but I do not have an Amex yet, I have a Halifax clarity card that I use for all my travel and car expenses…
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Used car chargeback what do I do now?
So I bought a used car back in September 2023, within 14 days faults appeared, tried to reject (merchant assaulted me and police were involved) consumer helpline advised that I went to my bank (starling) and perform a chargeback. I filled in the form which was accepted 31st October 2023. I supplied all my evidence and the…
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Paying Creation Finance balance
Hello all. I bought a new PC from Currys before Christmas last year and opted to pay on a buy now pay later basis with Creation Finance. If I pay all of what I owe by 3rd September I will have no interest to pay. I was considering paying this with a credit card that awards me cash back. However when I logged in and went to…
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Paying Off Purchase Before Balance Transfer
Hello, newbie here and apologies if my question doesn't fully make sense! I have a credit card where the 0% interest rate on balance transfers remains for 20 months but the 0% on purchases expires next month... I have signed up for a new credit card with 12 months 0% on balance transfers. Can I do a balance transfer on to…
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My credit card limits reduced to £100 - why?
I had 2 credit cards. 1 with £8000 limit and the other £14,000. I never use my credit cards - only maybe 3-4 times a year - like when booking for a holiday or buying something expensive. A few days ago, I got messages saying that my limits were reduced to £100. OMG. I haven't done anything! I've tried calling - but they…
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Giving up work for disability
Hi looking for any info on the above with my existing cards, if I inform them that I have to give up self employment and go to disability benefits what will happen to my limits on my cards ? Thanks
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Balance transfers and effects on credit score
I have a credit card that I'm paying lots of interest on and would like to consider a balance transfer (for up to 23 months) so that I can pay off the amount quicker. My question is this - will a balance transfer affect my credit score (which is currently excellent at 999)? If so, how?
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Will better deals come in?
I’ve been self-employed for the last 7 years and then a student nurse for the last 3. I’ve got to the end of that road and will be starting a permanent post in September. My credit file is fine with no missed payments, but I’ve ran up a lot of credit cards during my time studying (I’m in my late 40’s btw and single). I’ve…
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Is a money transfer credit card a/the best option for me?
Hello, my girlfriend and I are definitely inexperienced when managing are money and we have just moved into our first home. I have £1900 debt on an old Santander student account which I’m now paying interest on. my girlfriend has £3000 debt on PayPal credit which she is also playing interest on. what is the best way for us…
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Card application when retired: How to show income
Some background: I recently retired. My plan is to live off cash savings until next April when I will start drawing down my private pension. I want to take a holiday later this year and rent an apartment for a few weeks. Some of the apartments are pay on arrival, but my HSBC credit card is expensive for travel spending so…
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Lost all BT offers
Hi all, I've got a few CCs with some fairly small balances, but recently used one that had interest free for 2 years to buy a car, worked out cheaper than finance, so used it to transfer 16k. I've got plenty of other cards with no balances, a barclaycard I never used with a credit limit of 18k etc. I always pay everything…
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Vanquis App
Is anyone else becoming hugely frustrated by Vanquis? Their app stopped working for me recently, and in spite of my complaint they don't yet appear to have a fix. Now I can't even access my statements from the desktop site. So annoying!
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Securing guaranteed limit on 0% payment card in advance
Have two CCs, modest limit (total ~9k). With the exception of when I first got one of my cards years ago, I've never utilised 0% purchase periods. I clear the balance every month. My CCs are 8 and 6 years old, hence not used to applying and the ins and outs. Considering big purchases and/or stoozing ahead and wondering if…
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Paying Off Balance Effect
Hi, I wanted to ask a question regarding paying off my balance and its effect on my credit score/file. If I was to pay off any purchases moments after placing it, would this make any difference compared to leaving it until the end of the month and paying it all off at once?
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No fee card for spending when abroad
I recently went to Italy for a short visit and didn't really plan my trip in advance. I paid for some items in cash and some on my debit card using my phone. Having looked at my balance I've been charged a non-sterling transaction fee for each transition. I'm heading to Spain soon and would prefer to pay on my card again…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Stoozing first time queries by Fingerbobs
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