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Direct debit reduced by retailer credit
I pay my Santander credit card by direct debit for the full amount. The direct debit was paid today but the amount was £38.99 less than the statement balance. There was a retailer credit for £38.99 posted on 30 Dec which was 6 days after the statement date. I assume that this is normal, but it would be good to hear if this…
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Zable login issues
is anyone having issues logging into the app as when i go to log in it asks me for email address which i put in and then a link is emailed to me to login but after doing all that it goes back to the start again. so is anyone else having problems logging on?
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What happens to the goods after a successful charge back
Good afternoon We purchased a car from an independent dealer back in January, they have failed on numerous issues, not supplying a 12 month warranty and the mileage is in question, the retailer said he couldn't afford to pay for the warranty, and then said he was going out a business, so we applied for a chargeback claim…
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Chase credit card
An email today as a Chase current account holder.Heads up to keep watch over the next few days for the upcoming launch of a credit card - current account holders will be the first eligible to apply apparently. Hopefully they will allow additional cardholders.
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Should I close some of my 12 credit cards
I have amassed 12 credit cards over the years currently with a £51,600 combined limit, I did have 13 but I closed 1 last year (118118Money). A lot of them are sub-prime as they were applied for when I had a low credit rating (default and CCJ) however I do now have some good cards including Amex (£10k limit), Chase (£15k…
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PayPal credit confusion
Evening all. On the 2nd of January I made a large payment to PayPal Credit. The full amount £4800. This left my bank and showed the balance on my credit account back to zero. On the 6th January this showed as being paid back into my bank account however the money is not there in my ‘available’ funds. Just shows it on the…
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Balance Transfer CC and Mortgage
Hi, We’re looking to apply for a mortgage and, as a first step, are working to complete the Agreement in Principle (AIP). We currently have four balance transfer credit cards with outstanding balances. Although these are on 0% interest, we are making monthly repayments and expect the balances to be cleared within the…
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Random Declines - could be dangerous
I have both top recommended travel cards, Halifax Clarity & Lloyds Ultra, and took them both on holiday with me just before Xmas. Both card issuers are part of the Lloyds Banking Group, so presumably, use the same systems. Neither banks needed to be told where I was travelling to, beforehand. Upon arrival in foreign parts…
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When to pay off Balance Transfer
I have couple of chunky 0% interest balance transfers that expire on 18th and 25th February. The Direct Debit is slated for 2nd February, and is currently set to the minimum (as it has been for the duration of the BT). There are no other purchases or other transactions on the card. Is it OK to let the direct debit run and…
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Barclaycard Rewards
Hi all :smile: are there any credit Cards out there that's better than Barclaycard Rewards?
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Reconciling my Amazon spending
I spend a lot of money with Amazon but I like to reconcile my purchases as listed with Amazon with the credit card I use to pay. It is always a bit tricky but since I started using the Barclays( Amazon) card I am finding it nigh impossible. Anyone else have this problem or am I just getting old ? I know most people don't…
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Instant use credit card with welcome bonus?
Does anyone know if there is currently a credit card with a welcome bonus (cashback, supermarket points, gift card etc) that can be used instantly (without having to wait for a physically card by adding it to Apple wallet for example)? Looking to purchase flights in the next 48 hours, so thought it’s a good opportunity to…
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PayPal Credit credit card
In an email from PayPal Credit I see mention of a credit card: Nothing really around that I can find apart from a coming soon page on their US site (although the link starts on the UK FAQ page) https://www.paypal.com/us/digital-wallet/ways-to-pay/credit-services/paypal-credit
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Charged interest for balance transfer on Asda Money Credit Card
Hi all, I recently signed up to an Asda Money Credit Card to do a balance transfer as it was advertised as 0% for 12m. However, they started charging interest (around £100) as I missed a minimum monthly payment as I set up a direct debit up too close to the due date and a payment was missed. They made no attempt to contact…
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Balance transfers
Hi am wondering if anyone can help me please, I’m looking at funding a surgery privately, it may cost around £10.000, I have an offer with my bank for a personal loan but after paying off current loan and paying for this years holiday it will leave me around £2000 for the surgery deposit, I have 2 credit cards both with…
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M&S credit card offer ??
Hi everyone, I signed up for the M&S credit card through a MoneySavingExpert offer back in November/early December. I’ve finally received the card, but I’ve completely forgotten the exact details of the signup bonus! Does anyone happen to remember what the MSE-exclusive offer was at that time? My searching skills are…
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Virgin credit card issue regarding balance
Basically when I opened up my Virgin credit card app it shows me my available balance and how much I owe when I click on that it comes up what makes up my balance when I click on that it then appears we have a balance of £2018.57 with a list of promotional rate purchases promotional money transfers and cash and other…
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Advice needed for help with a high interest credit card
Hello, I'm trying to manage the debt spiral I'm in. I have 3 cards on 0%, and my problem card with Vanquis. It has £4355 balance, the interest is crazy. So I followed the advice about a debt shuffle and called them to see if they could shift to 0% or freeze interest to allow me time to reduce it. They told me the interest…
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RBS Credit Card Blocked
Hi My 0% rate is due to end in Jan. On 22nd Dec I did 1 balance trasfer to another card I have, another 1 balance transfer to a new card that I will be replacing this one with. I also made 2 payments. My usual monthly payment from RBS account and another from my savings also RBS to clear the blance. In total about 9k for…
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Section 75 for Legacy JL Card
I need to make a section 75 claim for a transaction made on my John Lewis partnership card back in January 2022. I no longer have a John Lewis account but I understand that I can still make a claim despite this. I did some reaerch and found that John Lewis used to use HSBC at that time (they switched to Newday later in…
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 surreysaver
27 February at 12:22AM
