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Section 75 refund - now service provider is threatening me with Court
Hello I had a leak and asked a plumber to fix it. He didn’t. Long story, but I got my upfront fee back via Section 75. Now they are threatening to sue me. For £120. Citizens Advice Bureau wasn’t helpful. Any advice please? thank you
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S75 - Possible faux pas?
Just a quick question.Just had a new kitchen fitted and there is a lot of issues with it. In talks with the company at the moment to get them rectified. Back of my mind i'm thinking im safe as I paid two deposits on two different credit cards, however now it's just dawned on me that the contract for the kitchen is in my…
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Balance transfer
So quick question say you have £8000 available for a balance transfer 0% for 14 months and have £1,800 and 1,100 on another 2 cards at 29% apr each. if I was to transfer these 2 cards to the 0% I can at this moment maybe more after Xmas pay £120 a month so that wouldn’t clear the 0% in time so should I only transfer what I…
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Natwest 0% expired can I get another from natwest?
Natwest 0% expired can I get another from natwest? My balance is paid off and was wondering is it possible for natwest to give me another 0% if I applied or should I be going elseware?
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Credit card purchase interest free period
Hi all, thought I knew more than enough about credit cards after using them for so many years… but it seems not! Sainsbury’s in this case. Made a large purchase on my card thinking that I had ‘upto’ 56 days interest free before having to pay it off to avoid interest. Made purchase on 3rd August and going by the above felt…
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Adding Funds To Exceed Credit Limit On Credit Card.
I wish to purchase something that is more that the credit limit on my credit card. Is it fine to add the required extra funds to my credit card prior to the purchase, so I can purchase the item and not exceed my credit limit. If so, then will I still receive the added protection that a credit card purchase provides? Thank.
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Capital One - Payment this month?
I have a DD set to “pay in full” every month. On the Capital One web page it tells me it was due on 4th September, nothing is showing on my online banking app, anyone else found this? Today Capital One have sent me the notification saying next one is due 2nd October. Is it worth me asking at my bank why the payment has not…
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card charge
hi all can anyone advise today i got some work done on the house and was left the invoice to pay it says on the invoice bank transfer details, they also said to me i can pay on card and call the office it says on the invoice credit cards carry a 5% charge i thought that was against the law? i am wanting to pay it on my…
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What impacts credit limits
When applying for a new credit card what factors affect the credit limit that the card issuer will provide?
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MBNA credit card
Has anyone been stung by MBNA's credit card offering 18 months interest free then the small print says only applicable to purchases made in first 60 days? I have been heavily stung by this. They did not make it explicit and it all seems like a hoax to me. Am I just stupid?
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Time to replace Amex?
Anyone else struggling with their Amex? More and more places seem to be boycotting the Amex and it's driving me a bit bonkers so I'm looking to replace with another reward credit card - but most recommended are Amex, or require a new bank account which I'm not keen to do. Any suggestions for best non-Amex rewards cards?
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Balance Transfer Tesco
I’m a bit confused as to why Tesco is offering a 0% balance transfer to their credit cards when they will be handing over finance and credit cards to Barclays so you will have a Barclays credit card from November not Tesco?
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Transferring a pcp to a 0% interest credit card
I pay £260 a month towards a car pcp and have 2 and a half years left to pay. I obviously pay interest on these payments. Is it possible to pay off the remaining £13000 I owe using a 0% interest credit card and then slowly pay off the amount this way?
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Changing Dollars to Pounds on Virtual Credit Card.
Hello, I've got a virtual credit card, a Visa card from Tremendous, with US dollars on it. Is there a way I can convert this currency into UK pounds so that I can spend it here? Thanks.
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MBNA
What are typical BT offers for MBNA, I have a card from them with 11k limit and it will soon be down to zero outstanding. Just wondering what are their typical offers at the moment it is showing me 12 months with a 5% fee. I would not be interested in that. Just wanted to know if they will offer better or if I am better…
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is this rare
today i recieved my creditcard from lloyds mastercard as i look at the card the bank logo top right of card, type of card wrote down the side flip it over and all the writing is upside down, inc black mgnetic strip at bottom of the card, on my lloyds current its at the top and writing correct way up is this the new way…
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Just Re-Mortgaged 7 days ago - good time to apply?
I got a credit card that charges me every year for perks I don't use. I got the first year free but in October, I'll get charged for £200 odd. The company have a free version that I'd like to apply for. I just completed a re-mortgage about 7 days ago. Is now a good time?
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0% Balance transfer query
Hi everyone, I have a 0% BT ending soon and I have other balances on that card with different end dates, if I don’t clear/pay off the balance, will I incur interest on the remaining separates transfers? Thanks👍🏼
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Section 75
I need some advice. I've got a guy doing some building work for me and I need to pay him £2,200. I want to pay using my credit card, so I can take advantage of Section 75 if the work turns out to be shoddy. However, the guy only takes cash or bank transfer. Barclays won't let me transfer money from my credit card to his…
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Barclay Card Reward Card - decline/acceptance
Last week I applied for the above card and was declined and not very happy about it as I have a good credit rating, but I believe it was due to the fact that I had over 50% owing on another CC - I'm only paying the monthly minimum due to it being interest free until May next year so. Yesterday, after getting Martin's email…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
