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John Lewis credit card changes to verification
I received an email from John Lewis credit card (Newday) today saying that as of 20 June online purchase can’t be verified by an OTP to my phone, verification will have to be done by their app. Thats fine for me as I have the app but my wife is a second card holder and doesn’t have the app. I called Newday support and was…
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Credit card problem at Tesco Pumps
Hello All, Anybody out there who has experienced using Lloyds Trust card at a Tesco Pump and the message ` You have taken card out too soon` when the card is still in machine. I punch in my number then get the message and can go no further. Card works everywhere else and at the kiosk. Always worked at the pump before.…
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Old JL Partnership Card
I am unable to get On-Line access my old John Lewis Credit Card. Customers services gave me a login address which does not work. All they said was keep trying! The address was: http://serving-card.hsbc.co.uk/gateway/api/portal/hsbc/login I need to clear the account balance because all they're doing is taking their interest…
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Balance transfer from a foreign credit card
Can you transfer a balance from a Canadian card, to a UK card, to make use of 0% balance transfers?
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Amex nectar
When I opened my amex nectar last year. I given them my nectar card number , so all the points went in there, now I'm coming up to year 2 and thinking of cancel the card. Am I right in thinking the nectar card points I have saved are separate to the amex nectar credit card. I am only cancelling the credit card and all the…
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Balance Transfer
My wife has managed to accumulate £10000 on her M & S bank credit card. She hasn't worked for the last twenty years and is 75 yrs old. First thing how did she get a credit limit of £11900 on her card, with just a retirement income on a reduced State Pension as she didn't accumulate enough NI contributions, and can I…
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Barclaycard claiming for credit card debt from my deceased fathers estate
Hi - hoping for some advice - my father died suddenly in January of this year and wasn't until I was trying to sort his estate that I knew of a credit card he had had for over 20 years. He wasn't savvy with bank cards (always preferring to withdraw cash) to pay for stuff. I have found out that he died with an outstanding…
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Lloyds and Halifax cashback credit cards are back
They went away for a while and you weren't able to get them but they're back now, with the same 0.25% and 0.50% cashback terms as before. There's also a new World Elite MasterCard credit card which gives you 0.50% cashback up to £15k spend and then 1% after that, plus Priority Pass and airport security fast track. This…
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Virtual credit card
Hi, I want to make regular payments to a website (piano lessons) that charges in USD but doesn't use Paypal. My debit card doesn't handle foreign currency and I don't have a credit card. I'm thinking of a virtual credit card where I top it up to the required amount from my UK bank account in GBP just before the monthly…
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Access pension early to clear/reduce debt?
I have 12k card debt (3k on 3 x 0% credit cards till March 2025 + 3k on 15% purchase credit card). Plus 2k overdraft. ( 50k left on mortgage. I'll leave mortgage out of this). The cc & overdraft debt are getting me down. Racked up through combination of stagnant wage,Growing teens, single parent & no emergency fund. Used…
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Automatic Closure of Credit Card
I'm thinking of doing a switch to a new bank. In the process I will be closing my existing current account. Will this mean that my existing Credit Card account will also be closed by the switching process?
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Fraudulent transaction blocked on "Frozen" card - Should I get a replacement card?
I have a number of credit cards, and I keep them all "frozen" (via the option in their respective App) unless they are cards I use every day. I've just had a text message from Lloyds to say that they have declined a transaction on my credit card because the card is frozen. The transaction was of course denied, so the…
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Credit card application rejected.
I haven't had a credit card for many years, but I am looking at buying some expensive furniture, so I thought it would be wise to get a credit card to have some protection if there were any problems with the furniture. I have banked with Santander ever since they took over Alliance and Leicester. My salary and later my…
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Credit Rating Impact Question
Hi All. Here’s the situation: We are not in any financial difficulty & have ample funds to pay our credit cards each month. We use mostly travel reward cards to gain Avios etc and always pay off in full each month. This month, we bought airline tickets & a lot of stuff so the bill is in 5 figures. Normally we would just…
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Barclaycard freedom rewards credit card
Do the rewards points expire? I have 15000 points now,but cant see anything in the t's and c's,unless iv missed it
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Money Transfer
Thinking of doing a money transfer from my Barclaycard to my bank account of 1k Does this affect your credit score by any chance. Wanting to buy my Son a chain for his 21st and thinking rather than take savings out of an account earning 5.2% interest might as well just do a money transfer at 3.3% fee with interest free…
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Uploading to Barclays
Trying to get a reward card couldn't upload statements on their website - the Exmouth branch did it in front of me 6 times yet the powers that be say they still haven't received them!!! Exmouth branch have given up and I suspect my credit score will drop as a result of their systems failure. Am I the only one this has…
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options to tick when doing application
Please can anyone advise, on the soft search it never has the correct options, I can't be the only person who lives with their partner, and their partner owns the property, so as an applicant I'm not a homeowner (I just pay rent to my partner, so I'm not a private tenant either) but it goes onto a second option which says…
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NatWest Card Query
Hi all, A quick question. I was pre approved for a NatWest credit card so used the link in MSE and headed over to NatWest, it had prefilled in my name and address and then when I went to the next page it said the application couldn't be continued online. Do you think this did a hard search and then rejected me? or is this…
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closing credit cards
need some information I have 4 credit cards which are nearly paid off as I haven't been using them what is the best advice when they are all cleared should I close them or keep them open I have had them over 5 years although I have never had large balances as I rejected increases but always kept them under 20% credit…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
