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Unauthorised conversion into Sterling
What to do if a merchant makes an unauthorised conversion of a payment into Sterling on your card? Naturally, it's at a very poor rate. I have screenshots which show the EUR amount which I agreed to. I have complained to the merchant, who just keep referring me to their useless chatbot, and to curve, through whom I made…
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Combining credit limits on cards with same provider (Virgin)
Hi, Has anyone any recent experience of requesting credit limits be 'merged' when you have two (or more) cards from the same provider, in order to get one large limit on a better card, and then close down the old card? I remember this being a thing in the early stoozing days with MBNA, and maybe Virgin and typically I've…
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Unidentified Credit Card Charges
nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. Is Nationwide obliged by its terms and conditions to identify…
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Credit Card fraud keeps happening on my account
Hi all, 4 weeks ago I noticed that my credit card details had been stole and a lot payments had been made which I didn't make, after phoning the fraud department they cancel the card and refunded me all of the transactions and they gave me a new card. They also gave me advice, not to save the new card to any websites. 4…
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Loss of 0% Interest Rate With Cash Transaction Fee Added?
Hi, I have a Nat West credit card on a 0% purchase and repayment basis. Balance varies but try to keep around £1000. I recently bought a £50 Waitrose/John Lewis gift card online as a thank you for my son/daughter in law using the credit card. Total gift card charge was £52.75, but I see there is a cash transaction fee of…
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Which Kind of Direct Debit for Card?
Setting up a Direct Debit to pay the Fluid Credit Card, there are 3 main choices. * Payment Requested - Contractual minimum payment:plus an optional recommended extra payment which may vary depending on your balance * Fixed amount: Allows you to pay a set amount each month. If this fixed amount is less than the contractual…
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Barclaycard Amazon joke
Recently applied for the amazon barclaycard, simply to get the free £20 credit on amazon. The credit came through really quick, the card came a few days later. It tells me i have to register it on the barclays app, which i try and do but it always hangs with an error message. I phone barclays and they try various things…
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Amex Welcome Gift
Hi! I’ve recently signed up to the Amex preferred rewards gold credit card to get the 25k bonus points when I’ve spent £3k on it in the first 3 months. i subsequently read that the offer ends on the 14th October. It’s not clear, and I can’t find any info, on whether that means I need to physically spend £3k on it by then,…
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Halifax Clarity Credit Card
For years I've been using this abroad for spending as it was fee free. Just noticed it no longer appears on MSE's list of recommended cards for spending abroad - so just checking it is still fee free and that I haven't missed any changes to t & c? Thanks in advance
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MBNA can't refund credit balance
I'd had a 0% balance transfer coming to an end and realised that the last DD would be taken the day after the offer ended leaving me with the problem of paying a bit of interest. OK 1 day interest for £250 wouldn't be much but it would annoy me. So I paid the final £250 early to clear the balance. I suspected that they…
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Halifax balance transfer
Hi First post as I'm trying to figure out what this means before I do it. Halifax are offering me a balance transfer of 0% over 15 months with a 3% fee or 5.9% per annum over 30 months, no fee. Can someone simply explain the cost of the 5.9% per annum if I were to transfer £2000. This account is currently at £0 so no extra…
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Section 75 eligibility.
Hi. My son is buying a car. He does not have a credit card. If my husband pays the deposit on our credit card or even all of it on our credit card does this invalidate Section 75 protection? The car will be registered and insured in son’s name at the point of purchase. Thank you.
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Can't find Virgin zero fee CC on their website.
The Money Tips Email has a link to a Virgin Balance transfer credit card with 0%, 13m and zero fee. It only takes me to the eligibility checker, with no link to the actual website. When I looked on Virgin Money site there was no zero fee card there. Can anyone else find the link ? I don't want to fill out the checker.
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App Needed to pay online by credit card
I tried to pay an invoice by creit card, but when it came to the authorisation I needed to have the app. Previously they would sent a code to my phone and this worked well. I don't want another app cluttering my phone and get frustrated by all these companies urging you to install their apps. Does anyone know of a card…
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Uneven split on mortgage payments in credit card application
Hi all! Who has experience of declaring that you pay less than 50% of your household mortgage payments in a credit card application? (i.e. your partner pays more). Does it cause any problems? Is it totally normal? I've in recent months been making use of my existing credit limit for the first time after many years banking…
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Weird transaction SQ *GREAT CASTLE STREET Ilford.
I don't think that this is fraudulent rather lack of memory. We have a bill for £20 to SQ *GREAT CASTLE STREET Ilford. Any ideas?
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Warning: MBNA 0% for 22 Months credit card.
This was entirely my fault, but in case anyone else sometimes fails to read the small-print then the 22 month interest free offer from MBNA is not entirley what it seems. So when you see the following.... ...you may (fairly reasonably) expect to be able to make purchases on the card for 22 months @ 0% interest. But that's…
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Section 75 advice please (Reject Repair?)
Hi, I am after a little advice please. I have a TV from a large UK electrical retailer purchased Nov 2020, it has a 5 year warranty from the retailer which expires in Nov 2025, it is a 75" Samsung The TV has broken down on 3 occasions. Repair 1 - Nov 2023 - Screen replaced Repair 2 - March 2025 TV Kept switching off -…
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Paypal Payment - Help Required
Hi, just a bit of advice required, as I made aa massive error. Not sure if this is the correct place, but it dies involve a credit arrangement. I purchased something from an unknown
shop I found after searching for a particular product on google shopping, I had
a dig around the website and it looked legit with 100’s of…
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4 free airport lounge passes
If you take out an AMEX gold card (credit card) you get 4 free lounge passes. you can use 2 at a time. extra guests charged £24. The card is free in first year then £195 a year so remember to cancel if its not for you. You also get 2 x £5 deliveroo discount each month if you use these apps. If you spend 3K on your card in…
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: 3% fee BT on Virgin Credit Card by retiredbanker1
30 October at 4:36PM
