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Fraudulent transaction blocked on "Frozen" card - Should I get a replacement card?
I have a number of credit cards, and I keep them all "frozen" (via the option in their respective App) unless they are cards I use every day. I've just had a text message from Lloyds to say that they have declined a transaction on my credit card because the card is frozen. The transaction was of course denied, so the…
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Credit card application rejected.
I haven't had a credit card for many years, but I am looking at buying some expensive furniture, so I thought it would be wise to get a credit card to have some protection if there were any problems with the furniture. I have banked with Santander ever since they took over Alliance and Leicester. My salary and later my…
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Credit Rating Impact Question
Hi All. Here’s the situation: We are not in any financial difficulty & have ample funds to pay our credit cards each month. We use mostly travel reward cards to gain Avios etc and always pay off in full each month. This month, we bought airline tickets & a lot of stuff so the bill is in 5 figures. Normally we would just…
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Barclaycard freedom rewards credit card
Do the rewards points expire? I have 15000 points now,but cant see anything in the t's and c's,unless iv missed it
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Money Transfer
Thinking of doing a money transfer from my Barclaycard to my bank account of 1k Does this affect your credit score by any chance. Wanting to buy my Son a chain for his 21st and thinking rather than take savings out of an account earning 5.2% interest might as well just do a money transfer at 3.3% fee with interest free…
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Uploading to Barclays
Trying to get a reward card couldn't upload statements on their website - the Exmouth branch did it in front of me 6 times yet the powers that be say they still haven't received them!!! Exmouth branch have given up and I suspect my credit score will drop as a result of their systems failure. Am I the only one this has…
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options to tick when doing application
Please can anyone advise, on the soft search it never has the correct options, I can't be the only person who lives with their partner, and their partner owns the property, so as an applicant I'm not a homeowner (I just pay rent to my partner, so I'm not a private tenant either) but it goes onto a second option which says…
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NatWest Card Query
Hi all, A quick question. I was pre approved for a NatWest credit card so used the link in MSE and headed over to NatWest, it had prefilled in my name and address and then when I went to the next page it said the application couldn't be continued online. Do you think this did a hard search and then rejected me? or is this…
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closing credit cards
need some information I have 4 credit cards which are nearly paid off as I haven't been using them what is the best advice when they are all cleared should I close them or keep them open I have had them over 5 years although I have never had large balances as I rejected increases but always kept them under 20% credit…
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Balance Transfer Advice
Good afternoon, I am looking for a bit of advice. I have 4750 on my Barclaycard where I am paying 22% interest. I have another credit card with MBNA where they are offering a balance transfer: 0% for 12 months with a 5% fee. I have also looked at potential other options, NatWest are offering 0%, 23 months, 3.49% fee or 0%,…
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Section S75
My husband took out a funeral plan in 2020. He paid the deposit by credit card and the balance by Direct Debits. The company went into bankruptcy last year, leaving over 40 000 members without a plan. In addition, my husband changed credit card providers. We understand that he will be able to claim a full refund under…
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Pay off cards with available funds or continue paying minimum and invest available funds?
What to do?! I have credit card debt of around 25k, these are 0% until 2025. Through fortune I have available funds to clear these cards, but would it be better to keep the 25k in a high interest account and keep paying the min on the cards? Will hopefully be looking for a mortgage in the near future. Would this plan have…
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Nationwide Credit Card
I'm sure I posted this earlier but seems to have disappeared with no reason why. Anyway. My card was declined yesterday and decided to check it. High bill required to pay which made no sense, nothing showing on transactions. Called them, they claim its because I didn't pay last months bill. However, speaking through this…
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Can I pay for someone else to protect them with S75?
Hi, I’m dealing with a friend’s car at a garage and they don’t have a CC. There is potential that their work has been sub-standard or dishonest, which we will find out when the car goes elsewhere soon. Can I pay on my credit card for extra protection? And then submit a claim on my own credit card should there be any issue?…
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Rejected for credit card despite credit score of 1000/1000 - !!!!!!?!
Hi all The title says it all - I have a Barclaycard Platinum Visa credit card that I took out some years ago as it offered commission / currency conversion fee-free overseas purchases / ATM withdrawals - these are the only times I ever use the card - am not really a credit card person. This got withdrawn a couple of years…
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Credit Card Issued to Incorrect Address
Hi, I requested a new American Express card as my old one was giving me trouble. It never arrived and when I contacted American Express it appears they have sent it and other documents to an incorrect address. They have looked into the matter and advised that their agent input my address incorrectly to their system and…
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Should I close a credit account?
Firstly a short history of my finances. Had 2 CCJs, struggled to get a phone contract. I eventually got one and even a £1000 paypal credit limit. 2 years ago, credit karma said I'm 100% guaranteed a virgin credit card at a better interest rate (26.9%) than PayPal (39.9%). CCJs are no longer on my file and today was told…
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Do we need to change the way credit cards can charge interest?
Like many people I pay off the full balance of my card every month, the interest rates are so high (wish we could change that from the profiteering) I don't want to be charged interest. For my own personal reason, I do this payment manually rather than using the bank's automated system. Interestingly this last month, I…
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Mortgage/ Credit Card advice
Hello, We are fortunate that family have helped clear our credit card debt (we need to pay them back when we can though) and our mortgage is up for renewal in November 2024. Which I am concerned about because we currently only pay 1.69% interest. I have closed our credit cards but I wondering if it would be beneficial to…
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Can applying for multiple credit cards in short span hurt me?
Okay, so in a bit of a conundrum here... I'm going abroad for 3 weeks next month. While I travel, I want to use a credit card solely purposed for travel - better exchange rates, not having to "top up" a travel debit card, pay only for what I use etc. I'm totally clean - have a card with said main bank, paid with direct…
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: Are BT 0% offers usually on new cards? by kimwp
5 August at 9:57AM
