Credit cards

I have a Barclaycard and have set a Direct Debit to pay the statement amount in full every month. For the last three months, I’ve been getting texts, just before the payments are due, stating ‘We’re taking xxx.xx amount as a direct debit. Please note this does not cover the full statement amount’ is this a scam - just to…

Hi all, newbie here, looking for some advice. I am paying the minimum monthly payment off my Barclaycard each month via DD. They contacted me to say that I am in a Persistent Debt situation and it will take 35 years to pay off the £8166 by just paying this amount each month. The suggested amount to pay it off in 3 years…

Hi, I had a Creation credit card which was closed over a year ago. I was surprised to receive a statement this morning showing a credit in June and a debit for the same amount a week later. I have contacted Creation who advised it was an internal error as someone had applied the credit internally. Can they do this when the…

Wanting some advice please Daughter has a Vanquis credit card. Overnight on 12th May there were 12 transactions all for slightly different amounts amounting to over £600 debited against her card and all of which were to Vinted. She does have a vinted account but the card is not linked to that account and she only makes…

Hi everyone, So MSE's credit score checker here seems to have pretty limited options to select in terms of addresses and living situations. I am a student and have been renting a student property (sharing with others) for a year with another year or so to go until I move back home. We're all jointly responsible for the…

I've just received a letter, claiming to be from Bank of Scotland, telling me that they have sold my credit card account to PRA Group. Now, I do have a Bank of Scotland credit card but I haven't used it for years and it should have a zero balance. The letter says I have an outstanding debt of £23,057.65. For a start, the…

Today I received an email from Virgin Money telling me that my Virgin Atlantic+ card is due to expire soon and that they won't be issuing me a new one (no idea why because my credit score is excellent and I've never missed a payment or gone over my limit or anything). But my real gripe is that I paid £160 annual fee in May…

I'm with NatWest, and I tend to keep my card with my phone inside a case. If my phone got nicked, I'll need to freeze my card pronto. It used to be that I could login to online banking to do that, but now that is impossible because I have to first confirm my identity in the phone app. This seems rather stupid. Instead of…

I bank with Barclays and have done so since I was 16. I have their debit and credit card and use it for daily spending and clear any credit balance on a monthly basis without incurring any fees. I didn't have any offers on my Barclays credit card so ended up getting a HSBC credit card with 0% interest on purchases for 18…

In order to avoid credit card interest, do I need to pay the balance on my monthly statement or the balance on my account on or before the payment due date? My question relates to refunds. For example, lets say the statement balance is £500 which includes an online purchase of an item that cost £100. I return the item…

Hi folks, On a short break and had a call to my What's app, the caller with a very authentic UK accent told me that there was a transaction of £700 on my First Direct card ( I actually haven't had one for years) passed me over to a manager who enquired about my Barclays account as well and what balances (I do have a…

Hi Despite having Apple Pay setup with all my credit and debit cards, I've always carried at least 2 cards in my phone wallet and always used the physical cards for payments. However, recently when abroad, I went to pay for something with my credit card and it wouldn't accept it - presumably as at €150 it was over the…

Is it down for everyone?

I used my Visa card to buy some goods from Asda on Saturday afternoon, 3:05pm total £75. I returned one item as it was priced wrong on the shelf. Returned £11 at 3:10pm. I have both receipts for the purchase and return. Both receipts say "payment approved", "Refund approved". On the same credit card number. Only the…

My friends son has had a letter form Vanquis to tell him he is in persistent debt. I am trying to explain the maths to him but he is not getting it, so can someone explain it in terms a 20 year old can understand please. He has a £1200 debit on his card and pays the minimum each month and has not spent on it since Xmas. He…

I’ve got a Barclaycard, Virgin and MBNA and regularly use them for large purchases and then transfer the balance to obtain the 0% offers. It’s worked well for a number of years but of late the Barclaycard offers have dried up, when historically they were probably the best of the 3. Can anyone recommend another card that…

Recently applied for the amazon barclaycard, simply to get the free £20 credit on amazon. The credit came through really quick, the card came a few days later. It tells me i have to register it on the barclays app, which i try and do but it always hangs with an error message. I phone barclays and they try various things…

I am about to have some new windows and doors fitted. The company has “Buy now, pay in 12 months offer”. The monthly repayments are approx £400pm, or full payment in 12 months before a large interest rate is applied. Would it be better to apply for a 0% for 2 yrs card, pay for the widows in full and then after 2 yrs, if…

Good evening I applied for a Santander every day credit card to do a balance transfer from my NatWest card. When I applied last week I put this request through at the same time. Got the Santander card and the separate internet login details this morning and set the online banking up and activated the card too. On the…

Hi I owe around £1000 to Capitol one and have agreed a payment plan of £60 a month. All interest has been stopped. I intend to pay it but would they let me use my credit card again once everything paid of. I have no other debts. TIA.