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Cash on credit card by mistake
I took the wrong card out of my wallet yesterday and draw cash on my Nationwide credit instead of debit card. I'm stuck with a £3 fee, but is there a way to pay it off to stop the interest ticking up without paying the whole balance six weeks early?
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Can a credit card refuse to return funds if the account is in positive credit
In order to obtain some low cost funds I took out a new credit card with 0% transfer rate for 2 years. I then completed the transfer to a card with little balance putting the card into a positive balance. I have done this in the past several times over the last decade but not for a couple of years. Normally I have just…
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Second credit card
Is it better to apply for a credit card whilst already having one with a £0 balance or closing that account and then applying for a new one?
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Section 75 Settlement Offer
We had a bathroom fitted starting in 2021 and paid with credit card. The merchant messed us around but they finally finished the work in early 2022. By late 2022 defects started to show and we contacted them to fix things but they ignored us. I lodged a section 75 claim in December and (after much back and forth including…
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AMEX - 2 or more cards
Reading some info about AMEX on HfP, it seems that multiple cards with them (from differing categories) is allowed, however, has anyone successfully applied for 2 at the same time (one after the other on same day). I'm looking to make use of the additional membership rewards and £70 cashback via TopCashback for the…
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AQUA Fraud - Account locked incorrectly.
Hello, Strange one here, been with aqua around 3 years now, (and had a fluid account that I have closed) had a good experience usually and recently Balance transferred away from them. I still use it, and since then I am having been currently sitting with a positive balance on my Aqua card, of around £1000. Yesterday I went…
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Is this the latest rip-off when using credit cards abroad?
I
have always been aware of the Dynamic
Currency Conversion (DCC) rip-off when using my credit card abroad. i.e. always select/ ask to pay in the local
currency, therefor avoiding their terrible currency exchange rate and loading
fees. However, with the increasing use of “tap and pay” over “chip
and pin”, simply asking to…
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Alert of Hellofresh scam
FYI I was scammed. I have a Lloyds Credit Card. Hellofresh took money on 20/09/23 in two transactions, and again on the 27th in two transactions, nearly doubling the amount. I've contacted Fraud and am getting a new card and a refund.
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Tesco Bank Credit Card
Evening all Anybody have any previous experiences of Tesco giving 0 per cent offers after the end of the initial promotion period. My initial promotion runs out today and whilst the card is cleared completely, I have a fairly expensive purchase to fund within the next 2-3 months. I have the funds in savings to cover what I…
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Halifax Clarity vs Nationwide Member Credit card
Hi all, I know this has been asked before but I can't see anything specific or recent about it so I thought I would ask. What is the current thinking on which of these Credit Cards is better to keep for holidays (+ occasional spending to keep it active)? I have another credit card for day to day spending and also have a…
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Bad credit history due to a company advising me to let an account go unpaid!
Hi, so this is an unusual situation. Last year I was diagnosed with terminal cancer and set about closing all my credit card accounts due to being on end of life care. It was around December last year to March when I dealt with several companies and getting my accounts in order. All bar one company were very sympathetic…
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John Lewis credit card changes to verification
I received an email from John Lewis credit card (Newday) today saying that as of 20 June online purchase can’t be verified by an OTP to my phone, verification will have to be done by their app. Thats fine for me as I have the app but my wife is a second card holder and doesn’t have the app. I called Newday support and was…
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Credit card problem at Tesco Pumps
Hello All, Anybody out there who has experienced using Lloyds Trust card at a Tesco Pump and the message ` You have taken card out too soon` when the card is still in machine. I punch in my number then get the message and can go no further. Card works everywhere else and at the kiosk. Always worked at the pump before.…
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Old JL Partnership Card
I am unable to get On-Line access my old John Lewis Credit Card. Customers services gave me a login address which does not work. All they said was keep trying! The address was: http://serving-card.hsbc.co.uk/gateway/api/portal/hsbc/login I need to clear the account balance because all they're doing is taking their interest…
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Balance transfer from a foreign credit card
Can you transfer a balance from a Canadian card, to a UK card, to make use of 0% balance transfers?
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Amex nectar
When I opened my amex nectar last year. I given them my nectar card number , so all the points went in there, now I'm coming up to year 2 and thinking of cancel the card. Am I right in thinking the nectar card points I have saved are separate to the amex nectar credit card. I am only cancelling the credit card and all the…
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Balance Transfer
My wife has managed to accumulate £10000 on her M & S bank credit card. She hasn't worked for the last twenty years and is 75 yrs old. First thing how did she get a credit limit of £11900 on her card, with just a retirement income on a reduced State Pension as she didn't accumulate enough NI contributions, and can I…
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Barclaycard claiming for credit card debt from my deceased fathers estate
Hi - hoping for some advice - my father died suddenly in January of this year and wasn't until I was trying to sort his estate that I knew of a credit card he had had for over 20 years. He wasn't savvy with bank cards (always preferring to withdraw cash) to pay for stuff. I have found out that he died with an outstanding…
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Lloyds and Halifax cashback credit cards are back
They went away for a while and you weren't able to get them but they're back now, with the same 0.25% and 0.50% cashback terms as before. There's also a new World Elite MasterCard credit card which gives you 0.50% cashback up to £15k spend and then 1% after that, plus Priority Pass and airport security fast track. This…
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Virtual credit card
Hi, I want to make regular payments to a website (piano lessons) that charges in USD but doesn't use Paypal. My debit card doesn't handle foreign currency and I don't have a credit card. I'm thinking of a virtual credit card where I top it up to the required amount from my UK bank account in GBP just before the monthly…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
