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American Express or not
HI Newbie to the site. I am going on holiday to America this May and was wondering if anybody could give me any advice on American Express credit cards. As is there any benefits in getting a Amex credit card (if so which one) to use while on holiday or do I just get a Chase card or other credit card instead. Thanks in…
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When Doing a Balance Transfer, Is the Fee Due Straight Away or Added to the Balance?
Hi, I've recently moved four credit card balances to TSB with total fees around the £200 mark. They've added the fees to the first statement produced after the transfers went through. Is this normal practice? I thought the fees went onto the balance so you could pay the debt off over time. Thanks.
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S B
Hi all Out of the blue I got a letter from Lowell saying they have a debt in my name they say they had a CCJ but it was over 14 years old and the number on the CCJ don't exist I done a search and not a thing on the court regester any ideas please.
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How to build credit file for 18 year old
Hi everyone My daughter turned 18 today and we have been discussing finances and budgeting for some months now. She has just over 3k in a child trust fund and we are transferring this directly to a LISA for her to start saving towards a home. We have changed her bank account to an 'adult' one, but we are keen to start…
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Credit card transaction annotating?
Hi all, Is anyone aware of a credit card that allows you to put notes against transactions (preferably in the card app rather then full website)? TIA.
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NatWest are stopping their Buy Now Pay Later card , any alternatives?
I was invited by NatWest to take this out last year. Nice small limit of £750, great for smaller purchases that I could spread interest free over 4 months. Last week I got a letter saying they are closing BNPL for everyone. Do other banks offer something similar? It was great for me as I only needed one app for all my…
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s75, Paypal, Shopify, Sum Up etc.
Hiya. Been a member of MSE for years but only just joined Forum so I could post this. Can someone help me with the up-to-date position on s75 and so-called intervening payments. I’ve seen the reports here and on Which? of the FOS ordering s75 compensation where the credit card companies had declined in the case of PayPal.…
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Money transfer cards
Hi I have been getting letters and promos about money transfer and we are thinking about using it. We are looking to get our driveway done and would need it asap so that we can benefit from the cheaper charging rate for an electric car. I want to ask about getting a money transfer to fund it. Would it harm my credit file..…
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Seller sent items week after chargeback dispute settled
Good Morning all, I'm not sure if this is in the right forum so apologies, as I wasn't sure where this fits. I purchased goods from the tiktok shop that were meant to be delivered before Christmas in December 2023. On February 9th, the items still hadn't arrived so I contacted my credit card company and raised a dispute.…
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Interest free credit cards
My interest free period ends in May. Should I get a new credit card and cancel this one. is it good practice to do this or can it negatively impact your credit score?
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Barclaycard declined Credit Card application despite being pre approved, appeal or apply elsewhere
Applied for a Barclaycard 0% charge and 0% transfer in order to pay off another credit card that I was about to pay off with a bonus but was (quite rightly) convinced by the Pension forum to sacrifice the bonus in to my pension and to pay off the CC another way. All good up until Barclay Card declined me despite being…
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Credit card scam with same IP address
I fell for a scam on IG last week and foolishly gave my credit card details. They took £7.87 and a non sterling transaction fee of 22p. It was only when I saw this and the name for the transaction that I realised it was a scam. It was supposed to be £9.95 and a different name. I filled in an online form to get my money…
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John Lewis partnership credit card with HSBC
Its not meant to be hard yet it appears so. Had a card with JL around 2016 which appears was in conjunction with HSBC, Im needing to make a claim but the numbers Ive been given are for the wrong departments, numbers ive been given are 03301233396 and 03301759829. I dont have the card ( card not been used since 2022 so its…
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Low credit limit and 70% chance - I have an good credit score
Hi, I've been trying to get a credit card of around £5k over the last couple of months to balance transfer another card (with £4.5k on it) - as 0% balance ends soon. I've done MSE's credit card check a couple of times- firstly got a card that only went up to £2k, which paid off another card. All I am getting is 70% offer…
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Nothing but a scam!
Hi all, this situation is ongoing so I may yet be sorted out but for now, I am fuming. We recently cancelled a holiday and the money was paid back into my Lloyds Credit card account from whence it came. I then attempted to transfer the money to the current account but there was no direct option to do so. However the site…
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Credit card S75 Claim and amount due in damages
Hello Scenario: I had an existing solar thermal system with a single panel on roof. I decided to swap it for solar PV. Installer and I agreed spec and I paid a 20% deposit of £2000. Installer arrived to survey property and disconnected solar thermal panel without permission and left on the ground floor - he was only there…
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Vanquis Credit Limit Increase Claims
Hi all, I hope someone can help. I had a Vanquis credit card and the credit limit was increased several times over many years, never at my request. I saw an advert on social media about claiming for this. I don't want to claim via the company advertising it, as you often lose more than the claim.! Has anyone done this and…
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I need to get £8K this year for a holiday - worst bad credit cards wanted
My credit score is 848 but I have some problems? can't get a bank or descent credit card. What are the worst credit cards for bad credit besides thimble and kimble or something? Will take them slowly and rebuild credit. One girl said pay my cruise on paypal credit. how does that work? what is the borrowing limits? she said…
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Chargeback/Clawback
Hi all, After raising a chargeback dispute over a holiday disaster, after a long review, my Nationwide Visa Credit Card refunded the claimed amount on 04/12/23, stating the merchant had 30 days to contest the chargeback. After the 30 days I moved the refund into another account. I then heard nothing until last week…
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UW cashback card fraudulent transactions
Received an email from Utility Warehouse today (subject "We’re sending you a new Cashback Card") saying: ... We’re replacing your card because we’ve seen some suspicious transactions at a range of merchants using our customer’s cards, and our analysis shows that your card was used or tested at one of these retailers. ...…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Buying discounted gift cards with credit card by Nasqueron
1 April at 10:41AM
