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PRA Group Threatening Letter over unknown creditcard debt
Hi everyone, Looking for any guidance here or would like to hear from anyone in a similar situation. I received a letter from PRA Group threatening me with court action for an unpaid debt of £4,000 they have bought from Barclaycard. I have never had a bank account or credit card with Barclaycard and completely unaware of…
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Can ‘Other Houshold income’ on CC application include adult children
Any help would be greatly appreciated. I’m applying for a new credit card. I lived with my adult daughter (she’ll soon be 20 years old and has no plans to move out any time soon), who contributes to bills, food shopping, etc. Can I therefore use her salary in the ‘other household income’ box on the application form?
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M&S Credit card - 42 unrecognised transactions
Anyone got any advice on dealing with M&S credit card? I have had 42 separate unrecognised transactions between 13th and 21st May 2025. They were all with Sainsbury's online - but strangely included seven credits to my account. Total charged to my card, less the credits is £3.5k. This all looks very odd as I can't see…
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Zable credit cards?
Not thinking about this, but it's something that popped up on Clearscore when browsing. Whilst it acts like a credit card, is it a sort of payday loan? Gives the impression that if you spend say £500 on the card, they'll then try and take the full £500 to pay the card off a few days after a statement is issued?
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Which retailers offer contactless cash at till (cash back) using Apple Pay with Amex, in the UK?
I have iPhone with Apple Wallet app, in which I have virtual Amex card and need to access cash with this, if possible, while my physical Amex card is damaged. I have made purchases using my Apple Wallet, with my Apple Pay and Amex, but have not found a retailer that does cash back at the till, unless I use my physical Amex…
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3D verification and Halifax Clarity
When I pay online with my Halifax Clarity credit card and if 3D verification is necessary, I am always taken to a page to receive a phone call where I have to enter a given code. Other family and friends however are asked to verify the transaction via their App. I travel a lot and although always have internet, I often do…
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Paying off a NEXT account- which type of credit card?
Hi! I want to clear my NEXT account; on their website under “ Balance Transfer “ they have a section which says that you can do a balance transfer by paying into their NatWest bank account. However , do I need a balance transfer or a purchase card to directly put money into an account? I’m thinking purchase? Scared to make…
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Which 0% credit card
I remembered i had a capital one card and tried to get a new one sent but they wanted me to write a letter and send id so i decided just to close it. I am left with bank accounts with nationwide and virgin and wondered which is best for a credit card? I am not transferring a balance i just would be good to have a long 0%…
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Barclaycard online login problem. Anyone else?
App no issues. trying to login online i just get "system error, you've been logged out for security, login again" - or thereabouts. anyone else? thanks.
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Why does credit score go down when utilising your limit?
My credit score has always been excellent. Checked it today and its dropped to good. Looking at the reasons why it was because i used 50% of my limit last month. I did as i was travelling so used my credit card alot. I paid this off the same day as my bill arrived. So whats the reason for being penalised for using half the…
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major purchase
hi all, i was a little shocked at no discount for cash i'm in the middle of doing the house up and now moving onto new windows required after i got the price i asked the salesman if any discount if i paid by bank transfer and the answer was no, if i wanted to save money i could have 0%12 months, i have the funds to pay in…
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I never seem to get Balance or Money transfers offers with low fees.
When my existing cards offer them they are always in the 4.99 % range. I don't need the balance transfers but I sometimes use the money transfers - but like I say always (for many many years) 4.99% fee Do any of you have the same issues?
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Aqua "service" e-mails
I always turn all marking off as don't need to be spammed. Two emails from Aqua today, one about I can use Google pay another I can use their instalment plans. They class these as service mailings, but I classed them as marketing, as I wrong? (none of my other CC sent me anything like these e-mails).
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Trouble Receiving UK Bank Cards in the EU Post-Brexit — Anyone Else?
Hi all, has anyone else in the EU had issues receiving bank cards from UK banks since Brexit? I’ve been having a frustrating time with this — my bank claims they’ve sent multiple cards, but nothing arrives. From what I gather, the problem might be due to post-Brexit rules classifying bank cards as “goods,” meaning they…
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NaffWest balance transfers payment allocation
I am in comms so far unsuccessful with NW and wondering if anyone else has had a similar issue. I opened a new card with a 0% balance transfer ~10 months ago that's reverting to 22.44% in August and then added another BT in Feb at 0% reverting to the same rate in Aug 26. Their ts and cs say payments are first applied to…
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Nectar to Avios conversion issues
It appears Nectar to Avios conversion is not working for me. Firstly, I tried manual conversion, I repeatedly got message "failed". Then I tried to setup auto-conversion and as far as I understand it is done on Mondays, so I expected it to take place today. Still no luck, a few thousands Nectar points still sitting in my…
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M&S Rewards Vouchers - cannot be redeemed - result of hacking attack
Hi all We share a M&S credit card which we use for all monthly purchases,and one of the benefits is that we get vouchers each month that can be spent on goods with M&S. These vouchers have a fairly long expiry date, so we save them up to spend on more expensive items. We have quite a few vouchers that expire at the end of…
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Virgin money
Ok guys hopefully someone can help me I did a money transfer from my virgin money credit card to my bank. It says on the website it takes 2-3 days and a bit further down it says if the transfer is made before 4.pm Sunday to Thursday it will be in bank next working day. Has anyone did this before and is it next day or 2-3…
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Time between closure and new application
Is there an approximate time for waiting from closing a credit card account for it to reflect on credit report before applying for new one? I have an AMEX with £13k limit and £0 balance, but I want to close it so I can get a ~£10k limit to transfer another balance where the 0% period has ended. Applied for a Barclaycard…
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118 118 Money – Terminated My Account, Wrong Clause Cited, No Explanation, and Now Demanding Full Re
Hi all — looking for advice or if anyone’s experienced similar with 118 118 Money. I apologies for the long post but need to get all facts down so it's clear. I am happy to post a copy of the termination letter and agreement with sensitive bits redacted if it helps. The situation:Used my credit card to do a few Western…
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: Are BT 0% offers usually on new cards? by Nasqueron
22 July at 1:10PM
