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Retiree credit application
I am recently retired and drawing down my pension via UFPLS. For tax reasons I only budget to take £17K pa and then if need be take another chunk, I could easily withdraw a substantially larger amount each year but see no need to at the moment. When applying for credit cards I am unsure what amount to enter, I have entered…
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0% balance transfers
Does the transfer have to be from another credit card? Or can you transfer a balance from PayPal credit?
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Section 75 Refunded in full. The company now threatening Legal Action
I raised a Section 75 complaint against a well known home improvements company for breach of contract and mi-selling of products and services which were not as advertised and inferior products received which were not fit for purpose. My complaint went to Visa International for a final decision I was successful and refunded…
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Pre-loaded debit card options?
I want to give a family member a sum of money on a debit card which can be used for day to day spending. Can anyone advise please.
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Lost CC and the missing refund.
Problem solved. Please delete mods. Thank you.
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RBS Black Credit Card and Costco
Does anyone know if RBS Black credit card counts Costco as a supermarket and hence 1% cashback (versus 0.5%)? I have a large-ish one-off purchase coming up and need to decide on which card to use.
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Section 75 - arson - insurance
Please can anyone help I have no idea where I stand. I purchased a car in August. The car developed a fault. This was over 30 days but less than 6 months so I was entitled to a repair. The dealers refused to repair the vehicle and refused to discuss my complaint with me in anyway. Aside from the initial replies saying they…
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Barclays avios plus intro bonus
Hi everyone have a few questions about the bonus miles: My partner has main card and i have supplementary card If the spend threshold of £3k is reached before the 3 month time limit ends does it trigger the avios miles to be added or does it only trigger once the qualifying 3 months time limit has ended? I understand that…
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Are credit cards open to APR negotiation?
A bit like how they are open to increasing your credit limit, are they equally open to negotiating a lower interest rate? I don't think I've ever heard of this before, and by that I've maybe answered my own question, but it's a curiosity I wanted to explore anyway. Will they negotiate? Will just asking the question leave a…
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Cannot get my head around credit cards
As someone who's only ever had a credit card, despite reading the credit card information on here, and watching YouTube videos, I'm still not sure how they work. I mainly refer to paying it off "IN FULL" and interest rates. How I think I understand it is, let's say I have a 20% interest rate (with no 0%), and I purchase…
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Tesco Clubcard CC
Afternoon all, Just a curiosity here, but I'm wondering how the whole points thing works. I wondered if anyone knows and/or has experience with this card. My question is: If I were to spend, say, £200 on something using this card, would I have to wait until the statement is produced in order to get clubcard points? If I…
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Apple Pay payment…six months late!
Good morning. I had to check my online bank this morning and I noticed a transaction from the company (that I have used on and off regularly a small business) It came out of my account yesterday, the only thing is I placed an order online and used Apple Pay but the date of the order which I had received was on the 16th of…
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Pulse/New Change of terms
I have always paid my statement balance in full each month to avoid interest charges. I now find that New Day have changed Direct Debit payment terms, for users who pay their balance in full, to collect the payment 10 days before the payment due date
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Barclaycard account credit - can I send it to another bank account etc?
Hi I don't know if there's a workaround but if you don't ask... :) I'll have a largish credit going into my Barclaycard account soon, and as I owe money to someone for the original payment, I'd really prefer to send the money to them (without it going into my bank account and then back out again) Any ideas please? Thanks
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Notice of Sum in Arrears
Hi all, I have recently received a letter from Tesco bank Credit Card stating that they did not serve me with Notice of Sum in arrears (NOSIA) in 2018 when I missed few payments. The letter attached a cheque with refund money. I have cashed it. Back in 2018, I also had a credit card with Nationwide Building Society. I…
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How are credit cards funded?
I was going to post this on one of the Creation thread but decided that I would not sidetrack those threads. This is me speculating as I have no actual evidence. This post is countering the arguments made by those who say credit card companies are making lots of money from the interchange fees. As demonstrated below, I am…
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Student credit card
Having just graduated part 2 architecture my dd is on 1 year placement then returns to uni to start part 2 for 2 years. She is wanting to start building her credit score - she is currently paid fr th year for her placement and has part time when she is at uni. She plans to get a credit card and spend a little on it each…
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John Lewis credit card - is a temporary credit limit possible?
I need to make a reasonably large payment for something (let's say for arguments sake £15k), and in an ideal world would put it on my JL card so as to benefit from the point/vouchers, rather than just use my debit card. I have a credit limit which is half what I need (e.g. £7.5k), so I called the card company to see if I…
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Reclaiming recurring payment fraud on credit card
When I was holiday in Europe in March, I have now realised that a 1.75USD payment was paid by my credit card account to a retailer I do not know at the same time I paid a restaurant bill. Then on the 12th March and every subsequent 12th of the month an online subscription payment of 29.95USD has been paid to 5 different…
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Impact on credit report
My credit card got declined coz somehow the surname was misspelt during the application, they asked for documents which i sent but of course the surname didn’t match. The advice from Santander now is to cancel the application and apply again with the right data. i am worried how this would show on the credit record and…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.3K comments
Most recent: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
