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Barclaycard refund letter
Just got a letter from Barclaycard regarding a refund because they “didn’t contact me when they should have in the past”. No other details as to why I’m getting refunded but it is not an insignificant amount of money. I am delighted of course but confused. Anyone else got one or know any more?
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Can't see Edge credit card details
I recently applied for an Santander Edge credit card and awaiting delivery, however I saw on the opp I could activate the cards online to enable use before we get our cards.I activated my card as main card holder and can see my card number, PIN etc but after activating the secondary card I cannot see any details for this…
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Credit card cash transaction query
I normally pay off my credit card in full every month.
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Amex balance transfer
I’m trying to do a balance transfer from American Express Amex, to avoid intrest I don’t know which credit cards would defiantly transfer from Amex,easiest to get and quickest to come this week as gona purchase a car. Yes I’ve tried google, however it’s hit and miss some say some allowed others say same place does not…
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New day (John Lewis credit card) power of attorney
Hi does anyone know any relevant law I can quote to Newday who run the John Lewis partnership card. My grandad has dementia and we are trying to login to his account to manage it for him with POA as we do with his bank. But they won’t tell us his password or let us change it. Keep saying he needs to call. Obviously he…
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Using credit card abroad to withdraw cash - avoid interest
Hi, Halifax Clarity credit card makes no foreign currency or cash
withdrawal fee when taking money out from an ATM abroad. However, it charges hefty interest immediately on cash
withdrawals. To avoid having to take too much (even any) GBP abroad, and in
case we need cash for certain purchases (eg, in local markets), is…
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Being charged interest on interest free card
I took out a balance transfer credit card. I am still in the interest free period. I spent some money on it in one month, and repaid that amount and much more. However I'm still being charged interest. I thought if I paid back the purchase amount it would go back to being interest free but it hasn't. Doesn't anyone know…
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Complain to CC company about same issue a second time?
I raised a complaint with my CC company and after going through their procedure went to the ombudsman who advised I need to wait for their final response. I didn't receive this although the CC company can provide they sent it and now I've timed out as apparently there's a 6month limit, so so the ombudsman cannot help. Am I…
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Promotional rate deal ending - can I get a new offer from existing provider?
I've had a Barclaycard for the last 20 months or so with a promotional 0% interest free on purchases deal. It's due to finish next month and I will have cleared the balance. I've never missed any repayments. I see Barclaycard have a 22 month 0% offer for new customers. I'd like to re-negotiate a new promotional deal. Any…
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Curve card at Petrol Stations
One of the chosen retailers for my cashback is Tesco. Does anyone know if I would get cashback for their petrols stations as well? Many thanks.
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best reward credit card that is easy to reconcile
Hello, I'm looking for a recommendation for a reward/cashback credit card which is really easy to reconcile with receipts. APR is not an issue as we pay off in full each month. We have been using sainsburys bank for all household spending to max rewards, but you cant download the statement easily to excel which i normally…
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Purchase not appeared on statement after a year
In over 40 years of using credit cards I’ve come across something that I’ve never encountered before. I use my credit card for virtually all purchases and pay it off, around £1500, in full each month. Over 12 months ago I made two purchases, one via a website the other in person using my PIN. Neither has yet appeared on my…
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Pay in full (Not Sainsbury's!)
took out Zero % CC in 2022 due march 2024, forgot to pay off, Incurred full Intrest charge (my fault) paid off in full Apr 2024, now just recieved latest statement, incurred full Intrest (again), customer support tell me that I have to pay in full for 2 consecutive months to prevent intrest charges, so if I pay the 2nd…
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Refused credit limit increase
Hello, I was trying to get an increase in my credit limit and I was declined with the reason being "you recently took out a payday loan or short term loan" Finding this odd as I have never taken out a loan (except mortgage) I did a credit check and found out that my phone contract includes 24 x £8 listed as a loan on my…
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Next Store Account Nor showing interest rate Next.co.uk
Hi, Hopefully I have posted in the correct place as this is a store account question rather than a credit card one. Do store card / account statements need to display the interest rate that you are being charged? I can not see it anywhere on my next.co.uk accounts and it says I should get in touch.... TBH I thought I was…
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Monzo declined transaction
Bought something on a TUI flight last week using Monzo and now I'm getting notifications that it has been declined as it wasn't done with chip and pin. The flight attendant took my card, tapped it on the reader and handed me the receipt. There's no way of authorising the payment and I've left the money in the account in…
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Balances
Do balances on credit cards or any credit you have on your report affect ability to get future credit or does it not matter as long as your paying the minimum payments and sticking to the terms, I know it costs more etc with interest but purely want to know if it affects a lenders decision, I mean if all the balances was…
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Settling old debts
If a dca can’t locate a credit agreement for a credit card debt that’s been with them for 20 years and is therefore currently not enforceable (as per their reply), even though I’ve been paying them £5 p/mth for 10 years is that the end of it, can I stop paying the £5, can they still chase me? The debt is also not showing…
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Travelling abroad soon - how can i use banking apps to withdraw cash and monitor card spend?
Will be travelling soon outside UK/Europe. I've got some travel credit cards e.g. Barclaycard, Clarity and well Chase Debit... I want to know when i arrive whether i can just stick the card in an ATM and just withdraw cash? Secondly, as I have apps tied to the cards, will i be able to login and monitor spending on them? I…
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Amex cashback scenario question
Hopefully some helpful member(s) can advise on the following.I have £75 (ish) accrued cashback on the Everday Cashback Credit Card due to be paid late July.We are very unlikely to use these cards in the next month or two and I just wondered how Amex will action the refund if the balance due is less than this amount at the…
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
