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Why am I not eligible for a balance transfer card
Hi all, I'm looking to find a balance transfer card for only £1,200 but when I do a search I don't seem to be eligible for any and I don't know why. My Experian score is just over 700, I've lived at my current address for 2.5 years and my previous address for 11 years. My income is about £1200 a month so can anyone tell me…
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Section 75
I have a query with regard to a “section 75”, I had booked our Holiday checked in online, and it wasn’t till we got to drop off baggage counter, the lady asked if I had another passport as mine only has 2 months before it expired and I wouldn’t be able to travel. I had paid most of the cost by debit card but did pay…
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Freelancer.com - Site took my money but the freelancer did not give me the goods asked for - Amex
Hello I agreed to pay £280 for computer generated photos I released £200 to the freelancer with the balance on hand over £200 was released but the freelancer has gone from the site I paid for these funds on my credit card The credit card company - AMEX - is not support my chargeback requested Any advise would be helpful
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Capital One credit card payments in their app - working?
Got a credit card that's run by Capital One. There was something on their app a couple of days ago about them changing payment providers. Tried making a payment using a Mastercard and refused with an "oops, something went wrong our end" message appearing. Tried a few times over the last 2-3 days and the same. Tried using a…
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Looking for a credit card that 2 people can access online balances
Hi there, This might be a very quick thing - it might be more convaluted... So my wife and I have joint bank accounts and we have credit cards linked to the same account (I'm the main account holder and my wife has the secondary card issued in her name - but only I can access online with my bank the status of the credit…
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CC or loan to pay for new heating
Just had new heating & I have a bill of £4.5k to pay. My question is would I be best doing this on a credit card or getting a loan. I'm slightly confused by the bill having bank details so I guess this would be classed as a cash advance by credit card company and attract high interest rates? Any advice would be most…
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Interest rate confusion
Hi, I am pretty good with numbers but am getting myself in a pickle with an upcoming 0% deal ending and would appreciate some advice from a wiser forumite please. Currently on the same credit card I have: £2062 at 0%, rate ending 27/02/24 £2816 at 3.9%, rate ending 19/05/25 £3273 at 5.9%, rate ending 06/11/25 I have a…
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Paying balance plus 0% BT
Can someone clarify my calculations please? CC offering me £1396 BT on 0% for 15m.I currently owe £2387 on the balance & am paying £100pcm (more than the minimum payment of around £60 so I can pay it off a little quicker). I can't see how I can pay the £1396 without paying the total off within the 15months. Is that…
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Large holiday refund returned to credit card
We recently had the disappointment of having a US holiday cancelled at the last minute (the river boat was in dry dock for longer than planned). The (large) refund was promptly processed at a point my card was £2k negative. This was not due to be re-paid until a month later as usual. The bank refused to transfer the whole…
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Santander blocked my credit card and online banking
Hi, I've been with Santander since September and recently opened a credit card - I went shopping yesterday I tired purchasing something for £400 with apple pay but it was declined, I then tried inserting my card and it was declined, I was no where near my limit. When I went to check on my online banking as I thought I may…
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Curve Metal to pay Credit card - how do I do it?
Ive just had a curve metal card and want to pay my NatWest CC (interest free) to get some points - may aswell! My Barclay avoid is connected to the curve..... However I can't find how to pay! Curve fronted is turned on, but when I phone Nat west they don't take payments over the phone and no option to use the curve debit…
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Natwest Credit Card - Changes
Has anyone else noticed that with the Natwest Rewards Credit Card (and
presumably other Natwest/RBS Credit Cards) spending marked as ‘pending’ is immediately
added to the balance amount as soon as the purchase is made? It used to be listed as ‘pending’ and only appeared in the balance once the transaction had cleared –…
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Charged £74.27 interest by Virgin Money Credit Card for underpaying by less than £8 !!!!!!!!!!
Hello All, I have got one credit card from Virgin Money, which I've had since July 2022. I have always paid the balance off in full, so I was surprised this month to get an interest charge of £74.27. Over the last six months I've used their instalment service to pay a large car bill. So last month I paid the final…
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Interest Charges Calculation
I feel like I have been overcharged interest but don't seem to be getting any definitive answers from Barclaycard about it. My credit limit is £5k, I never exceed that. I have a 0% promotional balance of £590. Therefore I should only be charged interest on an amount of £4410 or below. My monthly interest rate is 2.5688%,…
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When Does Interest Stop if I start paying in Full
I've asked on the providers live chat and they said I won't incur any more interest charges but they've shown me before that some of them don't know what they are talking about so here's the scenario. For a while I've been carrying a balance on a card and not paying in full so incurring interest. The due date to clear my…
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Credit Card for a Credit Newbie
Hello, I am keen on getting my first credit card. I have a good credit score as I have never gotten into debt but conversely it has meant I haven't had enough credit history to get an excellent credit score. However, I recently have a mortgage which has built up some credit history now. I have seen some credit cards are…
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Section 75
I have a claim with my credit card, under a section 75 the items purchased = £12k .. the company is no longer trading , I have had to supply a structural report and now 3 quotes I I submitted the claim in march this year .. am I entitled to all my money refunded to me or does the credit card company choose one of the…
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Section 75 rights
I have now had an update .. it apparently had to go through approval stage due to the time limit! They have now offered my the cost of the replacements at the lowest quoted cost , which is approx £1400 less than the full total I initially paid , I had to get 3 quotes and I chose well known reputable companies .. these…
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MBNA CC limit dropped by almost 12k to £75
Hi, As per title, got 2 CC with MBNA with combined limit of the two cards of just around 18k. One card had a ca 12k limit and has now been reduced to a limit of £75 without any warning or notice. Just got a text and the rate was applied over night. The other CC has a promotional 0% BT on that runs out on the 12th and the…
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BarclayCard: Downloading Transaction Files
Just a warning... I recently discovered that BarclayCard were unable to download some of my monthly transaction files that were over 6 months old. This was confirmed by BarclayCard customer service (on 19-Jan-2021), who stated that customers are expected to download their transaction files before they become 6 months old.…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Stoozing first time queries by Fingerbobs
1 September at 12:01PM
