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Over payment
Good morning, On 24th December I paid off my credit card in full. On 2nd January they took the minimum payment. I’m now a few pounds in credit. Should I recall the direct debit? Am I going to be penalised for this? Any other advice? Thanks
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Card clash: if you use contactless to travel, how do you organise your cards?
If you use contactless payment when travelling, how do you avoid card clash? Do you use RFID-blocking sleeves? Do you only carry one card with you when you go out? Do you take several cards but keep them in different places? Or do you use a virtual wallet on a mobile phone to pay instead?
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Post Office - Capital One
How often does your Post Office credit card get reviewed for a credit limit increase this just a curiosity question really.
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Unable to view my Barclaycard in the app
I've been facing an issue for quite a while where my Barclaycard credit card isn't showing up in the app. This is more of an issue now as I'd like to switch over to a different card, but based on chats with their support team, this is only possible via the app - which I'm unable to do because of this issue. Is anyone else…
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What happens when promotional period is over?
Do they offer you another promotional period?? How long does that take?
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Zopa
Twice I have tried to transfer my Zopa credit card balance to Barclays and Halifax and was told Zopa won't allow me to do so, the chat to an agent is very unhelpful and vague apart from stating that the banks are part of their NewDay providers that they dont allow transfers to be made to, please could you advise me as this…
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End of 0% promotion
I have a Tesco Credit Card that’s interest free on purchases until March 4th Does it all have to cleared for that date or will it be from the statement date it’s needs to be paid to avoid interest
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Barclaycard abroad
I used my Barclaycard freedom rewards and was charged a lot of fees about £20 total what did I do wrong
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Capital One - paid on time but they say I missed a payment
My Capital One payment was due on 5 January (as per the bill which says payment is due on 5 January). I paid on 5 January through the app using a debit card. Today I have received an email saying that I missed a payment and have been charged £12. I checked my bank and the money for the payment left my account on 5 January.…
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Downgrading Barclays Avios Plus before choosing reward
I’ve reached the reward bonus (BA upgrade voucher or 7500 Avios) on the Barclays Avios Plus Mastercard. The £20 month fee is quite steep so I’m keen to downgrade to the Barclaycard Avios (free Mastercard) but haven’t yet chosen my reward as i don’t know whether I’ll accrue enough Avios in 2 years to really make the upgrade…
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Amazon seller....faulty product.... section 75
Hi. Hoping this is the right place to ask this question, if not can the admin please redirect the message to the correct forum? thanks I purchased a product through Amazon from a UK seller, I'm UK too, item arrived has been good for a few months then parts fell off and got lost so I contacted the seller (product no longer…
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Can I transfer the balance of a closed account?
I'm currently repaying the balance on a barclay card credit card which was closed last year (due to persistent debt or whatever they call it) Because of the interest I'm barely making a dent into what I have left to pay (paying as much as I can afford each month). I've since acquired a 0% balance transfer card with just…
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Balance Transfer Card - Tesco to HSBC?
Could anyone advise please if it is possible to transfer a credit card balance from Tesco to HSBC? The balance transfer offer on HSBC stipulates that you cannot transfer from another HSBC account however I can't find any reference as to which bank Tesco comes under. But there is a mention of HSBC on the paying in slip at…
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Nat West Photo Id uptodate v old
I was preapproved today for a Nat West credit card, 0% transfer fee. They now require photo Id as well as financial . I submitted driving licence from 2 years ago, and I had to take a photo of my face as now, without my glasses on. After several attempts a photo was accepted but surprise surprise my application was then…
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New Day cards
I got an Aqua card a couple of years ago. It had £600 as a starting limit which remained the same until August 2023 when it was put up to £1100 and then again the other day to £1850. About a year ago, I also applied and got a Marbles card. Again, it has a credit limit of £600 and was then increased to £1350 the other day.…
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s75 CCA and Air tickets
So MSE says that you don't get s75 protection for purchases from a travel agent because using an agent breaks the 'direct link' between a purchaser and the supplier. So you have to rely on a chargeback. That's not great. If I book a £200 air ticket and the airline goes bust and it costs me £400 to buy a replacement ticket,…
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Is it better to stay in credit or pay off in full to improve credit score? (0% card)
My credit score is currently above 700. I recently took out a credit card for my groceries with a limit of £500 (0% for 12 months) Each time I spend on the card, I move money from my debit account to an easy access savings. To improve my credit score in the long term should I: a) Pay off in full each month b) Pay minimum…
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Vanquis CC -Why have they generated me a Purchase interest of £140 (in statement)when my balance =£0
Vanquis CC - why have they generated me a Purchase interest of £140 (in statement) when my balance was/is £0 ? To cut a long story short, my Vanquis balance was around -£4500 in November/December. I wanted to make this balance £0, to clear it all off so Paid + £4500 from my bank online banking to the Vanquis credit card.…
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Credit eligibility and scoring
Hi, I recently applied for a credit card and although I was accepted I was given a very low limit. So low it did not make it worth sticking with the card as I solely applied for the Sign-up Bonus to earn Avios. I am in an odd situation in that, in recent months, as a result of uncertainty in the economy, I decided to sell…
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Pitfalls using 0% Credit as a loan when you have the funds
We are about to embark on a DIY project and have £70k in cash funds. I'm currently getting almost 5% return on that cash. So I though for a few of the major purchases like the kitchen (12k) and Tiles (3k) where I am purchasing those items from a business that I could use a 0% 12-20 month credit card and then use the funds…
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: 3% fee BT on Virgin Credit Card by Mcrib
9 August at 6:05PM
