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best reward credit card that is easy to reconcile
Hello, I'm looking for a recommendation for a reward/cashback credit card which is really easy to reconcile with receipts. APR is not an issue as we pay off in full each month. We have been using sainsburys bank for all household spending to max rewards, but you cant download the statement easily to excel which i normally…
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Purchase not appeared on statement after a year
In over 40 years of using credit cards I’ve come across something that I’ve never encountered before. I use my credit card for virtually all purchases and pay it off, around £1500, in full each month. Over 12 months ago I made two purchases, one via a website the other in person using my PIN. Neither has yet appeared on my…
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Pay in full (Not Sainsbury's!)
took out Zero % CC in 2022 due march 2024, forgot to pay off, Incurred full Intrest charge (my fault) paid off in full Apr 2024, now just recieved latest statement, incurred full Intrest (again), customer support tell me that I have to pay in full for 2 consecutive months to prevent intrest charges, so if I pay the 2nd…
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Refused credit limit increase
Hello, I was trying to get an increase in my credit limit and I was declined with the reason being "you recently took out a payday loan or short term loan" Finding this odd as I have never taken out a loan (except mortgage) I did a credit check and found out that my phone contract includes 24 x £8 listed as a loan on my…
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Next Store Account Nor showing interest rate Next.co.uk
Hi, Hopefully I have posted in the correct place as this is a store account question rather than a credit card one. Do store card / account statements need to display the interest rate that you are being charged? I can not see it anywhere on my next.co.uk accounts and it says I should get in touch.... TBH I thought I was…
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Monzo declined transaction
Bought something on a TUI flight last week using Monzo and now I'm getting notifications that it has been declined as it wasn't done with chip and pin. The flight attendant took my card, tapped it on the reader and handed me the receipt. There's no way of authorising the payment and I've left the money in the account in…
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Balances
Do balances on credit cards or any credit you have on your report affect ability to get future credit or does it not matter as long as your paying the minimum payments and sticking to the terms, I know it costs more etc with interest but purely want to know if it affects a lenders decision, I mean if all the balances was…
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Settling old debts
If a dca can’t locate a credit agreement for a credit card debt that’s been with them for 20 years and is therefore currently not enforceable (as per their reply), even though I’ve been paying them £5 p/mth for 10 years is that the end of it, can I stop paying the £5, can they still chase me? The debt is also not showing…
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Travelling abroad soon - how can i use banking apps to withdraw cash and monitor card spend?
Will be travelling soon outside UK/Europe. I've got some travel credit cards e.g. Barclaycard, Clarity and well Chase Debit... I want to know when i arrive whether i can just stick the card in an ATM and just withdraw cash? Secondly, as I have apps tied to the cards, will i be able to login and monitor spending on them? I…
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Amex cashback scenario question
Hopefully some helpful member(s) can advise on the following.I have £75 (ish) accrued cashback on the Everday Cashback Credit Card due to be paid late July.We are very unlikely to use these cards in the next month or two and I just wondered how Amex will action the refund if the balance due is less than this amount at the…
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0% transfer options
I currently have about 11,000 spread across two credit cards and Next. And would like to transfer to a 0% balance transfer card. The eligibility checker on here looks promising, but it doesnt tell me what the limit will be? Also, has anyone done a balance transfer with a nextpay account? - is that possible?
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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…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
