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PRA Group Threatening Letter over unknown creditcard debt
Hi everyone, Looking for any guidance here or would like to hear from anyone in a similar situation. I received a letter from PRA Group threatening me with court action for an unpaid debt of £4,000 they have bought from Barclaycard. I have never had a bank account or credit card with Barclaycard and completely unaware of…
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M&S Credit card - 42 unrecognised transactions
Anyone got any advice on dealing with M&S credit card? I have had 42 separate unrecognised transactions between 13th and 21st May 2025. They were all with Sainsbury's online - but strangely included seven credits to my account. Total charged to my card, less the credits is £3.5k. This all looks very odd as I can't see…
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First Credit Card at 31
Hello, I am 31 years old and have never had a credit card. In the next 2 or 3 years, I would like to buy a house, so I believe it would be a good idea to get a credit card to build my credit in time for that. My plan is to get a credit card and use it for everyday spending and always pay it off in full. I have always been…
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Can ‘Other Houshold income’ on CC application include adult children
Any help would be greatly appreciated. I’m applying for a new credit card. I lived with my adult daughter (she’ll soon be 20 years old and has no plans to move out any time soon), who contributes to bills, food shopping, etc. Can I therefore use her salary in the ‘other household income’ box on the application form?
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Zable credit cards?
Not thinking about this, but it's something that popped up on Clearscore when browsing. Whilst it acts like a credit card, is it a sort of payday loan? Gives the impression that if you spend say £500 on the card, they'll then try and take the full £500 to pay the card off a few days after a statement is issued?
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Which 0% credit card
I remembered i had a capital one card and tried to get a new one sent but they wanted me to write a letter and send id so i decided just to close it. I am left with bank accounts with nationwide and virgin and wondered which is best for a credit card? I am not transferring a balance i just would be good to have a long 0%…
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Credit card export format
Until recently I have been able to export my Bank of Scotland Mastercard statement Now the export format has changed and I don't get any values for transactions The Bank's helpdesk tell me there nothing wrong with their system Anyone have the same issue or able to suggest a resolution
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major purchase
hi all, i was a little shocked at no discount for cash i'm in the middle of doing the house up and now moving onto new windows required after i got the price i asked the salesman if any discount if i paid by bank transfer and the answer was no, if i wanted to save money i could have 0%12 months, i have the funds to pay in…
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Barclaycard online login problem. Anyone else?
App no issues. trying to login online i just get "system error, you've been logged out for security, login again" - or thereabouts. anyone else? thanks.
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Which retailers offer contactless cash at till (cash back) using Apple Pay with Amex, in the UK?
I have iPhone with Apple Wallet app, in which I have virtual Amex card and need to access cash with this, if possible, while my physical Amex card is damaged. I have made purchases using my Apple Wallet, with my Apple Pay and Amex, but have not found a retailer that does cash back at the till, unless I use my physical Amex…
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Unused credit and debit card fraud, how ?
In December 2023 I took out a new credit card with the single purpose of doing a 0% balance transfer to pay off some money. I have NEVER used this new credit card for any other transactions in person or online. In fact the card has never left the house since I received it, and has been hidden safely in a drawer. Yesterday…
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Mastercard users may be eligible for up to £70
https://www.bbc.co.uk/news/articles/c14kkjyrk20o am I reading this right ? Claim form here https://mastercardconsumerclaim.co.uk/ (Not live yet but soon will be) You could be eligible for up to £70 from the Mastercard settlement - even if you never used the provider Millions of Britons could receive up to £70 each…
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Nectar to Avios conversion issues
It appears Nectar to Avios conversion is not working for me. Firstly, I tried manual conversion, I repeatedly got message "failed". Then I tried to setup auto-conversion and as far as I understand it is done on Mondays, so I expected it to take place today. Still no luck, a few thousands Nectar points still sitting in my…
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Virgin money
Ok guys hopefully someone can help me I did a money transfer from my virgin money credit card to my bank. It says on the website it takes 2-3 days and a bit further down it says if the transfer is made before 4.pm Sunday to Thursday it will be in bank next working day. Has anyone did this before and is it next day or 2-3…
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Trouble Receiving UK Bank Cards in the EU Post-Brexit — Anyone Else?
Hi all, has anyone else in the EU had issues receiving bank cards from UK banks since Brexit? I’ve been having a frustrating time with this — my bank claims they’ve sent multiple cards, but nothing arrives. From what I gather, the problem might be due to post-Brexit rules classifying bank cards as “goods,” meaning they…
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0% balance transfer for credit card cash withdrawal
Would it be possible to withdraw £1200 cash from credit card at 10.58% interest charge and balance transfer to new 0% credit card? Would this adversely affect my credit rating?
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118 118 Money – Terminated My Account, Wrong Clause Cited, No Explanation, and Now Demanding Full Re
Hi all — looking for advice or if anyone’s experienced similar with 118 118 Money. I apologies for the long post but need to get all facts down so it's clear. I am happy to post a copy of the termination letter and agreement with sensitive bits redacted if it helps. The situation:Used my credit card to do a few Western…
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Time between closure and new application
Is there an approximate time for waiting from closing a credit card account for it to reflect on credit report before applying for new one? I have an AMEX with £13k limit and £0 balance, but I want to close it so I can get a ~£10k limit to transfer another balance where the 0% period has ended. Applied for a Barclaycard…
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Refund not received: How soon can I do a chargeback?
Hi all, I am waiting for a refund of over £400 from Karen Millen online. I bought the goods on my Santander credit card. They have received the returned clothes and sent me an email to confirm this; this email said that I would receive another email in "up to 4 days" to confirm my refund had been sent. However this was 14…
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I never seem to get Balance or Money transfers offers with low fees.
When my existing cards offer them they are always in the 4.99 % range. I don't need the balance transfers but I sometimes use the money transfers - but like I say always (for many many years) 4.99% fee Do any of you have the same issues?
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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