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Complaint to CC company - compensation mentioned
Hi all, I applied for a new 0% credit card on 28th March. Received confirmation of the application immediately and was advised I would hear within 5 days whether I'm approved. I went via MSE and did a pre-approval check so was fairly confident I'd be accepted as I have an excellent credit score, never miss payments etc. 5…
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Virgin credit card switch
I have a Virgin credit card with the 20+ months free balance transfer etc but now think one of the travel cards with points will actually be more useful….will Virgin allow me to switch it or will I need another card / allocation? If so can you have 2 cards and is there a minimum period to wait before applying for card 2?
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Nationwide Member CC - Do you keep it if you close your only other account?
Over the course of this year I envisage I will switch away my Nationwide current account for a bonus. Whilst being a customer and "member" I opened a credit card and am benefitting from an interest free period. Does anybody know whether switching away my current account would impact me holding the card, as I understand I…
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0% transfers
We have two current credit cards (Vanquis and Barclaycard) in my wife's name, and a loan from Zopa in my name. We are able afford the payments, and have been paying slightly more than the minimum on the credit cards. However, we have a remortgage imminently and are looking to make a bigger monthly dent in the debt to…
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FOS complaint upheld Vanquis
Vanquis have upheld an irresponsible lending complaint and have agreed to refund interest and charges from the opening of my account, which totals £656.30. Initially, my credit limit was £1000. After removing the interest and charges, my remaining debt stands at £343.70. However, over the course of my account, I have paid…
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How to rebuild credit? Rejected by Vanquis but "pre-approved" by Capital 1
Hello, I am currently unemployed and in receipt of UC and PIP relating to Schizoaffective Disorder. I have been sectioned and made homeless several times over the past five years but have been working hard to manage my mental health over the past year, complying with my prescribed medication and working part-time on a…
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Santander Credit Card - Rejected Claim - any other help available?
Hello, I am wondering if anyone knows where I can go to try and get some further help with this. With hindsight, I can see the initial decision was not a good one, but I need help on the situation I am in now. I was contacted by my brother a while ago who was desperately in need of help to make an online payment to release…
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Vanquis what was my apr
So I’m trying to one tidy up multiple credit cards up that I have open all of them are paid off in full apart from this one I’ve carried a balance on. Has a £3000 limit always been paid on time never gone over however the apr was horrendous well from what I remember anyway i have just paid off £1,200 have around £150 to…
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Does Section 75 cover me for a faulty phone over £100 brought from Amazon Marketplace
Brought a phone for £170 in January 2023 from Amazon. Despite it actually being despatched by Amazon, I've only just found out that I brought from an Amazon Marketplace seller and Amazon held their stock. The phone is faulty. The seller has left Amazon Marketplace. The company is in the process of being struck off. Does…
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NatWest 0% offers once deal has finished
I have a virgin and Sainsbury’s card, paid them off then couple of months later they offered me another 0% deal - just wondered if NatWest did the same with their cards?
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Tesco Credit Card Payment Issue
If you have a Tesco Credit Card and you paid your bill around 8th May check your bank account as they have a fault so they took the payment on 9th May AND again on 10th. My bill was £2800 as we had used it for normal shopping and bought some furniture we had saved for. We cleared the whole bill this week, today my bank…
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12 months (or less) left on plan 1 student finance - settle with 0 % Purchase credit card?
Hi, I have a plan 1 student loan and I've received a letter from SLC declaring that I'll have my debt paid off in less than 12 months. The outstanding balance on the student loan is approx. £2800 I have short term savings of £2500 (a pot which i typically dip into for frivolous spending e.g clothes, restaurants) Initially,…
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Virgin Money balance transfer
I see VM are offering a 27 month 0% balance transfer which would be very helpful. However, the card I'd want to transfer from is Nationwide and I wonder whether this might count as a transfer within the same group as Nationwide are attempting to take over VM. I don't know how far the takeover process has got.
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I never understand accountants language!!
Had problems understanding how accountants work in the past, I put money in and on the account it has a - symbol! But my email from Barclaycard really flumoxed me. I applied for a 0% credit transfer to another card. Email said "Your balance transfer of £++++ from card ending 1111 to your Barclaycard ending 2222 is…
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Zopa balance transfer scam
Hi I’m new here so please be kind. I have a credit card with zopa and got a 6 month 0% balance transfer which ended 6 may. You can’t pay towards the balance until the credit card is 0 apparently. Balance on cc 882 balance on bt 1450 29.9% apr but they can’t tell be how much I will pay monthly towards the balance transfer.…
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Balance Transfer - How Long To Go Through? MBNA to HSBC
Hi there, So the quick tale is last weekend on the 05/05/24 I applied for a new HSBC credit card with a 26 month interest free period on for balance transfers. On application I filled in the MBNA card details I wanted to move the money from, completed the rest of the application, and got the card on Thursday the 9th May. I…
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M & S Credit card
I have a m & s credit card which says no cash advance fee will be charged when buying foreign currency, is this a no no would it be classed as a cash withdrawal and go against me? Thank you for your replies
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Have I messed up?
I am new to stoozing I have a balance on MBNA card of around £5000 at 0 percent for about another year. I pay minimum amount and have the £5000 in a savings account. I have now taken the 0 percent fee offer of 21 months at 6.9 percent and MT around £7500 today on the same card and immediately did a BT of the same amount…
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Taking out new credit card deals
I have 2 CC. One that I have with Barclays for 20years. My main bank is now Lloyds for some time I took out a interest free deal about 3 years ago. I don't have any debt on the cards. I'm expecting a fair amount of spending soon and thought I should take out a new deal. Question is what shall I do with my existing cards?…
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Credit card terms changing - closing accounts
Hi all, I have both an Aqua and Marbles card, both are provided by New Day. They're both very high interest (49.9%) and I struggle to make anything more than minimum payments most months. They're changing the terms and conditions slightly and I have until 30 June 2024 to decide if I want to close the accounts. They've said…
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
