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Minimum payment not clearing
Hello, I opened a Santander edge up credit card recently for day to day spending as there is 2% cash back. I got the first statement on 15th March, paid it that day and got my cash back. I checked today and the payment shows, my current balance is less but there is still a minimum payment showing by 10Th April. If I click…
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Getting another credit card
I have to do purchases on behalf of another person and wanted to keep it all separate from my own finances so got a Monzo Flex credit card. I don’t like it! I do have a Monzo account purely for the saving pots, so I thought it would be simple to keep it separate but I’m just totally confused by it. i have two credit cards…
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Travelling/credit card/car hire!
Afternoon! My wife and I sold our houses and left our jobs to go travelling, leaving the UK in February. When we are in Costa Rica (May) ideally we would like to hire a car, and don't have a credit card at the moment. I hadn't thought about this - and everywhere says you need one. We've got a really good amount of money…
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Section 75 for a payment via a third party
Hi all, I’ve a nasty feeling I’ve been caught out by some cowboy builders and wondering where I stand. The contract includes a number of staged payments throughout the work, a deposit followed by several smaller payments. total cost is £8750 and the deposit was £2800. Their push was to have the whole thing paid by bank…
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Cost-free loan on card?
Last week I booked a cancellable hotel room on hotels.com and paid on my card. A couple of days later I needed to cancel it. It seems to be that the refund will post on my next card statement as a credit, which will 'pay' for last month's other debits on the bill, while the payment to the hotel, showing on the same…
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Credit Card Balance/Money transfer
I have a CC which already has a 0% balance transfer in operation, this is due to finish in about 9 months. I have just had an offer on the same card for a Money transfer over 2 years at 5.9%apr, I am considering using this offer as part payment for a replacement car, it will be for about 50% of the car cost with the…
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Car hire using non embossed CC
Hi all I u derogando that some car hire companies in Italy are insisting that Credit cards have embossed numbers and name on the credit card used for excess. Anyone know if this is true as a lot of banks don’t issue them embossed anymore.
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Pulse (ex Amazon) credit card, updated conditions
The new conditions state ‘Interest will now be charged from the date a transaction is made. If you only use your account for purchases and repay your balance in full each month, this change won’t affect you’ I’m not entirely sure I understand what they are saying as the second bit seems to directly contradict the first…
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Section 75 claim for split consumer/business payment
I bought a car which turned out to be a bit of a lemon and not as described on several counts. I paid the deposit on my personal credit card and the balance by direct bank transfer from a business account; the car was to be owned by the business and I will use it as a company car with BIK payments due etc. Given that the…
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John Lewis Credit Card Interest
Hi there, new here so please forgive me if I am repeating someone else. I have a John Lewis (new day) card and use it to the tune of approximately £2k every month for all our expenses. I also pay in full every month. However, the past 2 months I underpaid by a few pounds as I am recovering from a large operation and…
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Tesco Credit Card payment
My last month Tesco Credit card bill was £858.00. I received a refund of £150.00 relating to previous statement. Do I still need to pay the full £858 or will be minus of £150. £708 to pay? Just making I don't get charged interest on next statement. I know Barclaycard allows refunds and takes that off as payment. I am not…
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Transferring funds from a PlusNet reward card
Hi all, I've recently signed up to plusnet and have been given a plusnet reward card. I'd rather have the 65 quid in my bank account to help pay off a 0% Overdraft I used to pay an unexpected demand for fees from my PhD. However I can't seem to find away to do it. The terms of the card say I can't withdraw cash from it at…
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0% loan off two credit cards
Ok bare with me here...... So RBS or NatWest offer a 0% fee free card for 13 months and MBNA offer a money transfer for 0% fee. So if you money transfer from MBNA into your account and then balance transfer from RBS or NatWest to MBNA you will get a "loan" for 0% for 13 months. Hope this helps someone
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Aged Debt 2009
Capital Finacial and Linked Finacial are still chasing me for an aged dept from 2009. There is no court order and they keep writing to anyone with my surname at adresses I've lived at since then. I still keep getting letters and phone calls and texts asking me to get in touch. I ignore them. My exwife just got a letter at…
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HSBC mastercard rewards issue
Today I received my new card, but I don't quite understand these rewards things. First of all I went online to register my card with the rewards webpage HSBC tells you to, it wouldn't let me register , Next I downloaded the rewards app and that was fine, I was able to register my card on the app but I only see a bunch of…
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Switch Guarantee affecting my Credit Score
Hello, I recently used the Swith Guarantee offered by a bank to transfer my direct debits (dd) and balance from my old account to my new account. However, as I switch banks so infrequently, I didn't realise that this would reduce my credit score by 50 points. Is there an easy way of retaining my credit history with the old…
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Section 75 Credit Claim for damaged brand new watch
I just received a new old stock Breilting Chronomat watch which I bought from the website of a jewellers in Knightsbridge, London. It cost £3975 and I paid for it in full by credit card. There is a noticable dent in the case: I have contacted some local companies that I've used before for quotes to repair. I contacted the…
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Blacklisted by Lloyds Banking Group plc?
I had my vehicle financed by Black Horse way back in April 2018. Fast forward to February this year, I made an inquiry to Black Horse finance in relation to car finance mis-selling after watching Martin Lewis show. An acknowledgement letter was received with a promise to look into the issue. Then on 11th of March, I did…
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JAJA balance transfer to another credit card
I wondered if anyone else was struggling to find a credit card that would accept a balance transfer from a JAJA credit card? I was previously with post office which has since switched over to JAJA. I was informed a couple of weeks ago my 0% rate was expiring and after trying to do a balance transfer to both a sainsburys…
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Section 75 and compensation
Hi, i'm in the middle of a section 75 claim via my credit card company. They require 2 quotes for the works to put the situation right and associated costs. Apprently they do not cover compensation for stress and anxiety and effort and inconvenience etc. We had flooring installed in a three storey house when building works…
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: Stoozing first time queries by surreysaver
30 August at 3:55PM
