-
Receipt for goods with all of the credit card
I am used to receipts with 12 * and the last 4 digits of the card used for payment. I never noticed at the time ( as I just checked the amount was correct.) but found an 8 month old receipt with all the 16 digits and expiry date of my debit card. The details to date have not been abused. But should I report this change…
-
Credit Card transaction declined. Full 16 digits and expiry date displayed on Void/Declined receipts
I have a new Halifax
Mastercard that I have used without any problem for two weeks. It has
a credit limit of £11,000 and I have spent about £900 on it so far. Yesterday I attempted a
transaction for £33 in a long established local shop. Contactless
was declined so I put the card in the terminal and input my PIN.
Again the…
-
Barclaycard account closed immediately, concerned about consequences i.e. CIFAS marker [Merged]
Hi all, I've had a Barclaycard Avios card for around 18 months. For a credit card, they're pretty lenient with where you can deposit without incurring cash advance fees or other charges. They also allow you to use a Curve card, an intermediary card that charges the Barclaycard and is essentially a debit card, meaning you…
-
OTP's and 2 Factor Authentication problems
A bit of a long post but tying to highlight the difficulties experienced whilst abroad. We travel to see USA family every year for at least a month. Roaming and international charges being what they are now, I don’t use my UK mobile number but use a USA sim card for USA calls and data, and use WhatsApp calls and messaging…
-
Barclaycard - Money Transfer
Anyone got any experience with money transfers coz I can’t get a straight answer from Barclays. I have 1k that’s interest free until 2025. If I have a statement balance say £500. If I pay more than the £500 does the extra reduce the interest free amount or does it just reduce what’s been spent on the card since the…
-
Train Delay Repay to BA Amex?
I know if you purchase something using a BA Amex, then
return it for a refund, Amex deduct any BA Avios points originally earned at the
time of initial purchase – fair enough. However, should this apply for delay repay compensation on trains? Basically, I purchased a ticket on Transpennine Express (TPE)
using my BA Amex. I…
-
JAJA CREDIT CARD ISSUES
Has anyone out there recently had and sudden and unexplained cancellation/blocking of their JAJA card? I've had mine for years and use it regularly, never pay the minimum (always try to clear the balance) and have only been late making a payment once in all the years I've had it, but three weeks ago it was declined when I…
-
0% promotional period expiry date for Tesco Credit Card
I did a 0% interest money transfer from my Tesco CC in Jan 23. I didn’t make note of how long the promotional rate applies. I looked back to the statement that included the transfer, and my latest statement neither states when the promotional rate ends. Am I missing something? I looked both on the app and via the website.…
-
Sainsbury credit card whinge
Gotta have a whinge about this, I'm afraid. I'd be interested to hear if others have similar experiences. I got a Sainsbury credit card a year ago based on the starting offer and the Nectar points making sense. Have since found that the foreign transactions sting, so will go elsewhere for that, but that's not my whinge.…
-
Joint credit cards
I've recently started to use Monzo flex credit card and while it's been added to my wife's phone (and my daughter's), it's still my account Not an issue for 99.99% of the time but section 75 doesn't cover for purchases not in my name. So if she has a dispute at some point, we're not covered. We're trying to move away from…
-
Applying for a UK credir card for balance transfer when I live abroad?
Would really appreciate some advice on this if anyone can help I moved out of the UK in 2018 and since then have been resident in a European country and pay tax there. I still have a bank account in the UK and a single credit card. I use the bank account to pay some professional subscriptions/ UK mobile bill, and transfer…
-
Credit Cards not on the main "comparison" websites.
Hello, I am wondering if anyone has any positive experience with any credit cards that are not on the main websites? Many years ago I was struggling for credit (In some respects I still am) and found Zable, at the time I found them great but only found out about them by chance. Since then I have had experience with Zopa…
-
Credit Card Advice
Hello, in October I got a new credit card to transfer over a previous balance at 0%. I also thought the card was 0% on purchases. Stupidly I was wrong and made some purchases fairly expensive for Christmas. I’m wondering if it’s now best to open a new account with 0% balance and transfer this amount over. And close the…
-
New to using 0% interest credit cards - do you still use your other cards in the meantime too?
Afternoon, happy Sunday. I’ve recently opened a credit card where I pay no interest on purchases for the first 4 months.Now that’s all fine and dandy. As this is my first 0% interest credit card for an extended period of time, I wanted to ask those who use them often or have one, do you still use your other credit cards…
-
S75 claim
I paid a tradesman a deposit of £1k on my credit and the balance of £3k by bank transfer. Various problems with the work so credit card company has paid the £1k back to me. Credit card company says bank have to refund the rest.When does the tradesman get notified of this? secondly, is that right? The bank must refund the…
-
Virgin 20 month 0% card
Hi all, 6 months ago I transferred a balance to Virgin at 0% for 20 months, paid for several months big chunks, was offered additional transfers as lots of spare 0% credit limit still available on the card. Since then I have moved 2 further much smaller amounts onto this 0% card, however the second two are for about a year…
-
Credit card company charging "Cash advance fee" + interest for buying a physical product
Hi, I am sure my Google Foo is off today as I cannot find any reference to this new practice and I am sure there is lots of talk about it on here and a Government Petition calling for a ban on this new practice will have been created. I recently bought a phone, direct from Samsung on an interest-free deal. I used my John…
-
Cashback on Lloyds Credit Card downgraded
Hi all, I just noticed that the Lloyds (and I presume Halifax) cashback credit cards now only offer a flat rate of 0.25% cashback on all purchases, no matter how much. So they've taken away the tiered cashback where you used to earn 0.25% up to £4k and 0.50% after that. The T's & C's on mine currently say the tiered amount…
-
ZOPA Credit Card - My Experience
I'd like to share my firsthand experience with ZOPA Credit Cards for the benefit of those considering an application. The signup process was a breeze, and managing my account through their user-friendly app has been a seamless experience. One notable perk is the absence of foreign transaction fees, making international…
-
Applying for two credit cards on the same day
My OH applied for two cards (one after another) on the same day, while the first application was approved the second one was rejected. I know this was a bit foolish, the credit rating is excellent, so thought it was worth a shot. Two Hard seraches are visible on the credit report. Just wondering whether it was back to back…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.