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Notice of Sum in Arrears
Hi all, I have recently received a letter from Tesco bank Credit Card stating that they did not serve me with Notice of Sum in arrears (NOSIA) in 2018 when I missed few payments. The letter attached a cheque with refund money. I have cashed it. Back in 2018, I also had a credit card with Nationwide Building Society. I…
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Retiree credit application
I am recently retired and drawing down my pension via UFPLS. For tax reasons I only budget to take £17K pa and then if need be take another chunk, I could easily withdraw a substantially larger amount each year but see no need to at the moment. When applying for credit cards I am unsure what amount to enter, I have entered…
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Pre-loaded debit card options?
I want to give a family member a sum of money on a debit card which can be used for day to day spending. Can anyone advise please.
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Section 75 - arson - insurance
Please can anyone help I have no idea where I stand. I purchased a car in August. The car developed a fault. This was over 30 days but less than 6 months so I was entitled to a repair. The dealers refused to repair the vehicle and refused to discuss my complaint with me in anyway. Aside from the initial replies saying they…
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Close account that is paid off
Hi all Should I close a credit card account that is paid off and will attract interest if I I use it. I have m and s card and a lloyds card that are both paid off I have two card that have a balance on with 0 percent deals needing next year which will be paid off then M and s 6k limit Lloyyds 7.5k limit Halifax clarity 4k…
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Amex Platinum - value for money or not £600 annual membership
My wife and I use our Platinum Amex for all purchases where they accept it. There is no APR as such as the conditions are the payment is cleared in full each month by DD so we only ever have 30 days or so credit. The annual fees are £600. We probably spend >£40k annually which includes holidays (2-3 a year), household…
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0% balance transfers
Does the transfer have to be from another credit card? Or can you transfer a balance from PayPal credit?
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Lost CC and the missing refund.
Problem solved. Please delete mods. Thank you.
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Barclays avios plus intro bonus
Hi everyone have a few questions about the bonus miles: My partner has main card and i have supplementary card If the spend threshold of £3k is reached before the 3 month time limit ends does it trigger the avios miles to be added or does it only trigger once the qualifying 3 months time limit has ended? I understand that…
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RBS Black Credit Card and Costco
Does anyone know if RBS Black credit card counts Costco as a supermarket and hence 1% cashback (versus 0.5%)? I have a large-ish one-off purchase coming up and need to decide on which card to use.
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cashback card or 0% purchase card?
I have always gone for cashback cards - 1% or even 2% (Santander Edge) wherever possible. Pay back in full every month of course. Just realised if I had gone for 0% purchase card and put what I would have paid back into even a simple savings account (eg Marcus 4.3%) I would have got the equivalent of 4.3% cashback (12…
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Are credit cards open to APR negotiation?
A bit like how they are open to increasing your credit limit, are they equally open to negotiating a lower interest rate? I don't think I've ever heard of this before, and by that I've maybe answered my own question, but it's a curiosity I wanted to explore anyway. Will they negotiate? Will just asking the question leave a…
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Pulse/New Change of terms
I have always paid my statement balance in full each month to avoid interest charges. I now find that New Day have changed Direct Debit payment terms, for users who pay their balance in full, to collect the payment 10 days before the payment due date
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M&S credit card balance transfer - used my card number not account number
Hello! slight panic here as I’ve had a balance transfer approved and finalised from my M&S card to Capital One to get 0% interest. however I’ve realised my card number if different from my account number on my statement. I’ve used my card number when I think it asked for account number? my other card they are one and the…
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Cannot get my head around credit cards
As someone who's only ever had a credit card, despite reading the credit card information on here, and watching YouTube videos, I'm still not sure how they work. I mainly refer to paying it off "IN FULL" and interest rates. How I think I understand it is, let's say I have a 20% interest rate (with no 0%), and I purchase…
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Barclaycard freedom reward points.
As anyone else fallen foul of the closing of barclaycard feedom reward scheme. I was contacted by e-mail in February to say scheme was closing and we would be issued with new cards. From that day I have not received any further communication , either by e-mail , letter or notification on my log in page. In late May I…
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How are credit cards funded?
I was going to post this on one of the Creation thread but decided that I would not sidetrack those threads. This is me speculating as I have no actual evidence. This post is countering the arguments made by those who say credit card companies are making lots of money from the interchange fees. As demonstrated below, I am…
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Apple Pay payment…six months late!
Good morning. I had to check my online bank this morning and I noticed a transaction from the company (that I have used on and off regularly a small business) It came out of my account yesterday, the only thing is I placed an order online and used Apple Pay but the date of the order which I had received was on the 16th of…
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Barclaycard account credit - can I send it to another bank account etc?
Hi I don't know if there's a workaround but if you don't ask... :) I'll have a largish credit going into my Barclaycard account soon, and as I owe money to someone for the original payment, I'd really prefer to send the money to them (without it going into my bank account and then back out again) Any ideas please? Thanks
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Does using a credit card abroad have a negative impact on your credit score?
I've been offered a Nationwide Credit Card and it comes with no exchange commission. I am abroad for at least 10 nights a month for work so this would be ideal. However, I was told by someone, or heard it somewhere (honestly can't remember) that using a credit card abroad can negatively impact your credit score. I've been…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
