-
Motorcycle dealer won't accept CC online
Buying a motorcycle (scooter) from a dealer in the UK but not close to me. There's one locally, but having looked online I found another UK dealer with the same bike but lower priced. They have good reviews, and I contacted them. I want to pay part on credit card, for the protection, but they said they want the money by…
-
MBNA Misinformation
Before anyone starts, I am not seeking compensation, purely want to engage in conversation about the topic and see people's thoughts. I couldn't see any balance transfer offers on my MBNA app yesterday, not surprising given my credit record. Thought I'd just ask on live chat to customer services how often these get…
-
New to Credit Cards - Repaying the same day statement generated a good idea?
Sorry for the basic question, but I have a couple of bad credit, credit cards and want to make sure i´m doing all i can to bring credit back on track. I have a capital one with a £200 limit, and a Vanquis with £600 limit. 3 months in and i am paying the balance (less than 20%) in full the same day i get notification of a…
-
halifax clarity - I want to pay it off but still pending after 2 days
I made an ATM withdrawal on holiday (EU cash machine withdrawal and charge in euros). Previous balance on my Clarity card was zero (nothing outstanding). I understand that interest is applied immediately for ATM use so I want to pay this off. However, after 2 days it is still "pending" and it wont let me pay off the…
-
Paypal Credit
Hi people. Sorry I know Paypal Credit isn't physically a credit card, but I couldn't figure which board to write this. I've had Paypal Credit for a few years now and it currently stands at just over £5,000. Due to moving areas, I've had to find alternative employment and really struggled to find a job that paid the same as…
-
M&S Credit Card. Something went wrong. Apply again!?
Now what? has anyone experienced this? other than phoning them do i know if they may still process, whether there actually has been a search and indeed will there be another? how quickly would a new search appear on a CRA. if i were to apply again and there had been a search already, would the fact that it was an M&S…
-
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…
-
Section 75 protection
Hi, I’m having some works done for £30K. In order to get protection, I’m paying a £1K deposit by credit
card. The rest of the payments will be staged and made by BACS. My parents have offered to pay for the work. Does this present any problems in the unlikely event I needed to
make a section 75 claim? All quotes and…
-
0% help explain
So my wife is paying down a debt on a 0% credit card was around 4k she has £800 left to pay she has 2 month left of 0%. on my current credit card I’ve been offered 0% balance transfer of upto 4k for 12 months but I just plan to use the £800 the card that I have the offer on has a pending transaction of £80 that’s it and…
-
Stoozing Newbie
I've pondered stoozing in the past, but always been a bit nervous about it. It would be great to get a second pair of eyes on my thinking: Halifax 0% money transfer £9000 (already have this card) to Trading 212 at 5.2% Natwest 0% fee, 0% balance transfer Halifax amount for 13 months (approved for £13,700 limit today) Can I…
-
Credit Card Holiday (Fluid)
Hi, I'm a 71 year pensioner and have a Fluid Credit Card with a Credit limit of £2,500, my my credit score is FAIR, 722 with Experion. Unfortunately due to Covid and the recent COL crisis I relied too much on the card and the current balance is now £2400. I have never missed a payment or paid late, in fact I have a perfect…
-
Apple wallet hack
My son (21) late last night noticed three unusual payments from two separate bank accounts (Santander and HSBC). Santander (three transactions £0.99, and 2 x £49.99) has told him it's from his Apple wallet - he's a money-conscious student so is very good at knowing what he's spent and is adamant he has not made those…
-
Is recurrent CC transactions suitable for Charge Back
Long and sorry story. while trying to set up a free Paramount Plus account from my SKY setup, I accidentally (100% my fault) went to a Paramount Plus reseller site (Gamingify) and signed up. It was free and I provided my SKY account details, they then set up a 14-day recurring payment against my credit card after three…
-
Barclaycard Rewards cards not ussued
Received a message in iPhone wallet to say Barclaycard Freedom Rewards Card was no longer valid. New cards should have been issued but none were sent. Rang Barclaycard and there has been a delay in issuing new cards to some customers. So left high and dry for a few days, as old Freedom Rewards cards are no longer valid and…
-
£120 'charge' under pending transactions
If you spend money on petrol at Tesco with a new credit card you might find yourself with an additional separate £120 charge under 'pending transactions' titled 'purchase domestic'. The Santander helpline tell me this is rebated before anything appears on the main bill. I can't remember if it's to cover Tesco or the card…
-
Money Transfer or Balance Transfer Cards Eligibility
Hi Everyone, I am looking to get a balance transfer or money transfer card to utilise the interest free period to pay off the remaining balance on a loan to stop the interest. I will then pay the card off before being charged interest. So far this year I have managed to pay off a £3800 Tesco credit card, £1150 on a…
-
0% Money transfer question
I have a virgin Credit card with 3.5k limit and £950 owing. The APR is 23% on this card. I received an email for 12 month 0% balance and money transfer with a 4% fee. I have 2 other balances owing on other cards coming to around £900. APR on these is 29% + 31%. Would it make sense to take an £1800 money transfer and just…
-
Barclaycard rewards card.
I recently received the Barclaycard rewards card but noticed all transactions over the past 2 weeks are not showing on the "cashback earned" tab. It still says £0.00 Does it take a long time to show?
-
Car hire: I pay but different driver
My son and I are travelling to Belfast on June 17. I have a chronic health condition and am no longer able to drive. My son is driving. Car hire companies ask that the person who pays with a credit card is the same person as the driver. My son is on minimum wage and doesn't have a credit card. Last year I persuaded the…
-
American Express points - best way to use them?
I have 18,000 Amex points that I have accumulated over the past few years. I could just use them for payment on amazon/ebay but the value seems a bit low.... What is the best way to use them to get maximum value from them?
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
