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Unenforceable debt, reclaim payments?
Hi apologies if I'm wrong section. I've been paying PRA for a Barclaycard debt, just realised I'd never asked them for proof of the debt/CCA, they haven't come up with anything for nearly 2 months whilst my account is on hold. If it is actually unenforceable can I reclaim back the money I've paid them? Thanks
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Credit Card Partners
Hi All Having searched the forum before asking this question, I cannot find what I'm looking for? Do we have a list of CC companies, and their parent companies which lists who we can/cannot transfer a balance to?
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Cashback rewards?
My Credit Card gives me cashback rewards (0.25%), and I've received a message saying it will be automatically credited after the anniversarry of my opening the account. Won't this put my account in credit, which I understand isn't allowed on a credit card?
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Balance transfer
Please could I have some advice on this situation. Got a Tesco credit card with 0% balance transfer. The balance transfer expires in 12 months (approx) and has a balance of £1300. Making payments of £100pm. Ive had to make a purchase on the card, for £1800. Which is being charged interest. So not my monthly payment is…
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Takepayments Ltd - Card Payment Service
Has any small business used or had dealings with this company? I was approached and told that with card payments exceeding £1k per month, I could make substantial savings on my payment fees. I'm actually nearer £2k. I checked with Trustpilot (more later!) and they gave 95% for five stars. It all sounded great so I signed…
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0% Balance Transfer card help
Hi, I hope someone can help me here :) I need to take out a 0% balance transfer card for a sum in the region of £4,000 to £5,000. When I tried to do this before I was pre approved but when I entered the sum of £10,000 I was then declined (this was last year). I have no problem with my credit score - 999 on Experian. No…
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Changes to Revolut Premium, Travel Insurance
On the 19th June Revolut announced a fairly major change to their Premium Account. Gone is their 90 Day Travel Insurance to be replaced by a number of other benefits, having carefully listened to their Customer's wants & needs. In order to assist their account holders that make use of the Travel Insurance Revolut suggest…
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0% credit card for both money transfer and balance transfer
Hi is it possible to get one 0% interest credit card for both money transfer and balance transfer? And if so how would I go about finding one?
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Message from MBNA
Just had an alert from MBNA that a message was waiting for me online. It seemed important, that they sent me an alert about a document I should read. The document stated something along the lines of "we notice that you don't always make the minimum payment on time ... ". Well actually, I always make the FULL payment, and…
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Looking for credit card 0% on purchases and fee free spending abroad
Hi all, As the title says really. Looking for a card I can spend here and abroad with no fee. But also looking for 0% on purchases for a number of months. Can anyone direct me? Thanks
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Time to change away from Barclaycard?
I have a Freedom Rewards Barclaycard, (used to be a Goldfish Card that Barclays took over many years ago) and have collected the points and used them to purchase items over the years. I pay off my card by direct debit every month and the amount is usually in the few hundred pounds region. However, Barclays now tell me that…
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0% Cards draw you in with big offer but reduce offer by 80% at point of completing application
I was interested in taking advantage of a 0% on purchase credit card, After completing their, comparison sites listed cards offering guaranteed acceptance for the amount I wanted. My credit rating on Experian couldn't be any higher! Marks & Spencer were one such company. After completing the application on their site they…
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Refused Santander Edge Credit Card.
As the title says. So as a customer of 10+ years with a joint 123/123 lite current account over those years, and various savings accounts over the years as well, plus a Zero card for overseas and purchases made in other currencies use, suddenly I'm not a good risk. Recently I used the MSE ers trick to get access to the…
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Barclaycard billing/payment
I've only just started using my Barclaycard so beginner question to get clarification. I used it almost to its max credit limit abroad on June 5th and my statement says payment will be taken 22 July. I understood that it was a monthly payment (within the same 4 days of the month as per BC). It's not particularly a problem,…
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Santander Edge Credit Card Query
Hi Everyone, I'm aware that the Santander edge credit card is offering 2% for the first year and 1% after this on purchases. Due to Chase ending it's 1% offer I've been considering the santander offer. I have never had a purchase credit card before, so please could someone check my understanding. If I use my credit card…
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Monzo won't help with an incorrectly described product bought with Flex card
I purchased some headlights for my car in May from a chinese company online. Once they arrived, I found that the connection didn't fit my car and so raised a complaint that same day after checking the order and fitment was 100% correct for my car. After several emails and photos, the company acknowledged the product was…
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Open one — Close one?
I recently did a balance transfer from a Sainsburys account to an account with 0 interest. Sainsburys account is now empty so is it better for my credit score to keep it open empty or should I close it?
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Cash transaction fees on gift card purchases.
I've been charged a fee by Tesco for purchasing a gift card from Airtimes on Friday 28th (didn't last month). I've spoken to Tesco and they said as long as I paid the gift card amount and the cash fee amount of today, then the interest will stop as from when the payment is cleared. I specifically asked that I didn't have…
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Credit card payment history longer than 6 years?
Hi Sorry if this is a stupid question, but I was on Checkmyfile.com to go through my credit file. I noticed that some Credit Cards I closed show a payment history longer than six years long and in some of these I had missed payments listed. Just wondering if any potential lender can see the payments from older than six…
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Question about co scoring on credit checks
Hi, I have a joint account with my wife and currently have credit card, car finance and PayPal credit on my report. Never missed any payments and balance on the credit cards are low. My wife has no credit but a good score If she applies for a credit card could she be declined because of the credit I have or do they just go…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: Utilisation Ratio by sultanoflondon
12 February at 9:12AM
