-
Natwest CC Application - Radio Silence?
I submitted an application for a Natwest CC on Sunday, got sent a pre-contract agreement and submitted the Liveness check/documents for Mitek ID verification. I received an email on Sunday saying that I’d hear from Mitek if they needed anything else, and if not, I’d hear from Natwest instead confirming that my card was on…
-
Is there an up-to-date list of how quickly credit card providers will deem you a new customer again?
I'm thinking of closing several credit cards and then reapplying to the same providers in order to take advantage of new customer interest-free deals. Is there an up-to-date list of how quickly the different providers will deem you a new customer? I remember seeing one online years ago, but I can't find it now.
-
Section 75 query (following successful claim)
After causing me nearly £400 of expenses, British Airways refused to refund them. They did not contest that their lack of duty of duty of care caused the extra expenses, but stated that they didn't believe they should pay me back. So I made a Section 75 claim with my credit card company (not a chargeback). The amount…
-
Can I balance transfer credit cards and my overdraft onto a new 0% credit card?
Looking to consolidate my existing credit cards and also my overdraft onto one balance transfer card. Is this possible and if so, what is it called? I'm unsure what exactly I'm searching for
-
Refund onto card
I lent someone some cash and they paid my council tax bill with their credit card in lieu of paying back the loan. I'm due a refund from for the council tax. Does it have to be repaid onto the same card?
-
M&S Data Breach Compensation
I received a text asking if I want to start a claim via. jointheclaim.co.uk I’m never sure about getting stung for charges with these firms if the claim fails so obviously a bit nervous about doing it.
-
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…
-
Moved: Inheritance Tax Split Help
This discussion has been moved.
-
Thoughts and advice please.
Hi all. I need to borrow £2000 for some home improvements. Rather than going down the loan or add it to the mortgage route I'm thinking of withdrawing the cash on an existing credit card and then transferring the balance onto a long 0% balance transfer card, obviously paying it off within the 0% time period. Would this be…
-
When to apply
I have a 0% credit card with a £1,800 balance which won't be paid off before card ends in January 26. Would like to shift debt to new 0% card if possible. Should I apply for new card now or wait till nearer the expiry date? Thanks for help.
-
Onmo APR increased without notification.
Hi everyone, I’ve been going through my credit agreement with Onmo and noticed something that doesn’t seem right. My original agreement shows an APR of 22.46%, but when Onmo contacted me in March about an APR change, the email they sent listed my current APR as 24.9%, and said it would be increasing to 44%, which I…
-
Avios to Nectar conversion changing
Just had email. Will change in March. Barclaycard avios card will now only pay 0.5% cashback equivalent!
-
Incorrect Tyres Fitted - Chargeback?
Hi Team MSE, I have question relating to Chargeback and Section 75. I had ordered two car tyres online and recieved confirmation via email confirming my selection (product and tyre size).On the the day of fitting, once the tyres had been fitted and payment taken, I went to inspect the tyres whilst the car was still on site…
-
HSBC Visa Credit Card - 10% cashback offer (1st Oct-31st Dec 2024)
Just received an email from HSBC offering 10% cashback for 3 months on groceries, fuel and UK travel (up to £50 per month) with my Visa credit card. 5 purchases or more on the above will be required too. Keep an eye out for an email as you have to opt-in by the 30th September 2024. You probably have to be an existing…
-
3 Credit Cards - Very Poor Credit Rating - most effective way to improve it?
Dear all, I have a 'Very Poor' credit rating (544 with TransUnion) and I am hoping to improve this as quickly as I can so I can apply for a mortgage. I have a question on my credit cards situation though and I'd just like to see what people's thoughts are. I have recently received a Barclaycard which has allowed me to…
-
Dangers of BNPL
There is an article in yesterday's NY Times about the dangers of Buy Now Pay later.I know it is based on the American financial system but I am sure some of the tactics used by the BNPL companies will be universal. The comments are interesting, especially those ones where the article's author has replied to the comment.I…
-
Credit cards whose app / website that have passcode (numbers) not password (letters) login
I am shortly going to apply for a new credit card with 0% spending. But I am dyslexic so really struggle with apps / websites where part of the login is to type in the 3rd, 5th, 7th etc letter of your password. I invariably write the password down and then count which letter is which. This kinda defeats the object of the…
-
Debt consolidation
I have come across a real conundrum. I have several credit cards that are zero interest amounts that mature soon and I wish to clear them by taking out a mortgage on an unencumbered property I own. I discovered to my amazement that although I’m only borrowing a fraction of the value of the property for the purpose of debt…
-
Moved: Credit card after death
This discussion has been moved.
-
claiming a refund under section 75 of consumer credit act 1974
I am in dispute with Anyvan.com I paid £1000 with Barclaycard for a very poor house move service,so I am trying to get some compensation. according to the letter from Barclaycard I am not covered ,Why?
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
