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Service or purchase?
Hi I have just been informed by Virgin (credit card company) that my car repairs class as a service not a purchase and therefor will be charged interested is this normal or correct (i have always used my credit card with other companies for car repairs, MOT etc and never been charged or told classed as service.)
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How many people depend on you financially?
How do you answer this, it's a standard question on CC and loan applications. It says include people you live with, spouse and children. My wife has a job and no debt so she can provide enough for our children and I don't support her other than paying half the bills and mortgage so they aren't 100% dependent on me.
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Jaja credit card
Received email today saying they are closing my credit card account.My account has been open since Jaja took over the Post Office credit cards. I have always paid my account in FULL everything month without fail. Card is used on a regular basis. Help needed. What the hell is going in at Jaja .
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John Lewis Partnership Card
Hello All, I got a letter over the weekend advising that my Partnership card is essentially going to be shutdown since John Lewis is moving away from the HSBC offering to a new Credit Provider called New Day.I have had this card for many years and I liked the fact that you got John Lewis Gift Vouchers on the money you…
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Refund to old John Lewis Credit Card
I booked a flight with British airways in February 2022 on my John Lewis credit card. British Airways now need to make a refund to me and will only refund back to the credit card I originally used. This has now moved from to the new provider NewDay so my old card John Lewis credit card is invalid. I spoke to John Lewis…
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Amazon refund to closed credit card
In July 2022 I bought item on Amazon Marketplace using Amazon (Newday) credit card. Nov 2022 Amazon credit cards ceased, card account with Newday settled and closed. 31 Dec 2022 received safety recall for item via Amazon, contacted supplier, they agreed return item and refund. 28 Jan Amazon acknowledge supplier has…
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I am a fraud
Looking for some advice over the mess I have inflicted on myself. I had a single credit card for years and managed it well. My fixed term contract at work came to an end just before xmas 2019, me and my wife decided I could take xmas off and get a new job in feb/march. We are private renters with no assets. Of course…
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American Express refund into bank account
I cancelled a green card a couple of weeks ago, replacing it with a different AE card. I’m doing so, I made a manual payment of the balance. Three days later, AE took the same amount out of my account using the DD mandate. They are obviously happy to return the money. However they want me to send a copy of my latest bank…
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Creation Credit Card
Be aware - Creation Credit Card charges 2.99% conversion fee. Pretty sure when I took this card out in 2016 it didn't. Seems the tool on this page moneysavingexpert credit-cards/travel-credit-cards is outdated.
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Barclaycard reward confusion
So we are due to go away soon and we need Bulgarian Lev. I have just got a Barclaycard reward card. I looked the leaflet but was confused about the rate of interest as it states 26.18 percent per year if o do cash withdrawals and buying currency. But it says 0 percent fees on cash transaction and non sterling purchase so…
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How to pay M and S credit card when it fails confirmation of payee checks.
To avoid interest, I need to pay off my card today using faster payments. This ought to be simple, but neither Nationwide nor Virgin money will allow me to make the payment since M & S Bank fails their 'confirmation of payee' checks. Is there a way round this? And yes, I know I can make a debit card payment but they say…
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Applying for Credit Card and current credit card utilisation.
Hello, I currently in the process of a mortgage and completing end of this month. After I complete I will be looking to take out a credit card. I've done some shopping around and have been a good approval chance for mutiple credit cards and in particular Sanatander. So I have two credit cards and a overall balance of…
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BarcleyCard Statement Cut Off
My Barclaycard statement date is today. If I make a transaction today will it get onto this statement and become payable in April, or will it go onto the May payment? I know it's a slightly grey area and even a transaction yesterday might not make it. But as planning a large purchase want to push the payment and get most…
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Credit Card Closier
Hi All, I've had a so-called card with an available line of credit of £500 (not a lot but is enough for me). I used mainly when I'm running low on funds to purchase the usual things like fuel grocceries etc. and when I have some monies the balance of not more than £270 gets paid in full at the end of the month, and the…
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ccard or dcard to make it easier or get better check
has anybody just used their credit card for everything and paid it off at the end of the month? is it worth it or best just use debit card and just creditcard the expensive items if there might be a problem? - which would increase your credit score better- creditcard or debit card?
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Pulse Credit Card "LOST" my payment, found it and won't credit me
My wife had her Amazon card transferred to Newday's Pulse. On the 2nd December she transferred some payments from her bank account - all worked as they should, so the details she has on her bank account are correct. Using the £400 energy credit money and £250 she had been saving up for oil she transferred £650 to her…
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Balance Transfer for Positive Balance to Withdraw to off loan?
Hi all, I can do a balance transfer of £4000 to pay off my current credit card and potentially my loan for 0% 31 month if this way is okay. I have a CC with a balance of £700 and a loan of £3400 left with an interest rate of 9.9% APR. I was thinking of doing a BT of £4000 which would bring me to positive £3300 and I call…
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Amex Platinum Charge and Section 75
Hello I paid for some flights with Amex with Qatar airways. After booking the flights, I paid for excess baggage. When I arrived at the airport in Dubai (flight was Dubai - Doha - London), my flight had been cancelled. After 2 hours on the phone, they managed to reinstate the flight. Except no excess baggage. I showed all…
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Credit card default
a friend asked me re his options on default by lender. he opened an account, declared income and lender gave him a credit card. two month later they asked for his payslips, he explained he has a company so pay's himself small salary and takes bonus quarterly which adds up to the income however lender wrote back stating…
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Credit card with cashback
A friend was surprised I get cashback on my Barclaycard credit card. To help her I've tried to find a comparison of credit cards with cashback but can't seem to crack it. Anyone know the best credit card with cashback at the moment?