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Vinted and Revolut Scam
I recently fell victim to a scam where the scammer imitated a Vinted add and advised that my item had sold. Payment was to be made via Revolut which I happened to have . Unfortunately instead of crediting my account they debited £250 via a push notification. I have now been advised by police that Revolut is not a fully…
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Paying off a NEXT account- which type of credit card?
Hi! I want to clear my NEXT account; on their website under “ Balance Transfer “ they have a section which says that you can do a balance transfer by paying into their NatWest bank account. However , do I need a balance transfer or a purchase card to directly put money into an account? I’m thinking purchase? Scared to make…
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Best credit card solution for big house renovation?
Hi everyone, We’re kicking off a big flat renovation next week, which will cost around £45k. My builder accepts credit cards, including AMEX, and we’ll also need to buy kitchen appliances, furniture, beds, a sofa—you name it. I’ve already got an Amex Cashback Everyday Credit Card that I’ve been using since March. I’m just…
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Using Barclaycard CC to pay a deposit on a car purchase
Hi. In the past when I've bought cars, it's been a local purchase, so I'm at the premises and I've used a credit card to pay £100 deposit and get my receipt. This secures the car and potentially offers me some legal protection down the road (S75 etc). But I'm looking at a car now that I want to secure with a deposit but…
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Barclaycard Transaction Dispute - Refused
Hello all. I'm hoping for some guidance and/or advice on what I should do next, as a transaction dispute, and section 75 claim have been refused by Barclaycard. I used the card for a car rental deposit, for an 8 or 9 day prepaid rental abroad, in late June of this year. When the charge was still showing in my account at…
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MBNA Money Transfer Con
This may be an old chestnut, but this just caught me out. Did you know that if you take out a money transfer with your card (MBNA), you may get the balance interest free BUT you get charged interest IMMEDIATELY on any other card purchases. The interest free period between statement date and payment deadline no longer…
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Vanquis Card arrived, not sure I can use it yet?
Hi, I recently applied for a Vanquis credit card, did all the checks they asked me to do and uploaded my driving license etc It says I was approved and that the card was on the way. It arrived today so I logged on to the app with it and I thought I was okay to start using it, I was going to transfer some money into my…
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Chargeback advice please
MBNA agreed to a Chargeback after a car I purchased wasn't fit for purpose. The car cost £4999. I paid £4400 on my interest free MBNA credit card and £599 on my RBS debit card. I have been waiting for 2 December when the 45 day waiting period is finished. Yesterday the merchant rang to say he would be taking back the…
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Balance transfer fee question
I am looking at doing a Balance transfer as my 0% offer is ending soon in my current card. The one with the longest term states 3.90% introductory transfer fee offer, thereafter 3,% (minimum £5). I am probably being thick but what exactly does this mean? Does it mean I will be paying extra each month for a balance…
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Minimum credit limit - explain
Can someone please explain minimum credit limit to me please. In easy to understand terms. I am looking to get a 0% credit card and have been offered one with a fixed minimum credit. Not sure if I should take it.
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Balance transfer error help
On Tuesday I initiated a balance transfer to my capital one account Later on the Tuesday I received a phone call from capital one fraud team asking about transactions I did not recognise The transaction was for .75p Because I said I didn't recognise it she cancelled the card and issued a new one I tried to explain I had…
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Creditcard late payment fee from Capitalone/Ocean when direct debit was setup
Hi I got a late payment fee of 12 pounds on November12. I had setup a direct debit and it used to go from my account as bill payment. When i login to my account now i dont see direct debit setup. What kind of scam is this? wont it affect my credit rating? I thought when we setup direct debit we dont need to worry about the…
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Limit on balance transfer not high enough
I have 3 credit cards that I've only just realised I'm paying high interest on. So I wanted to combine the debt of all 3 and do a balance transfer (for all 3 cards) onto a new one with a 0% interest free period. I was looking to transfer a total of just under £10,000 but even though I was pre-approved to transfer this…
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Tesco credit card 0% ending email
Hi I’ve received an email this morning to say my 0% interest offer comes to end in 2 months (11/01/25) when it should be November 2026 as I took out the 28 month 0% card in April this year. I owe quite a bit on it and am now freaking out as I can’t pay interest the balance I have alongside other commitments I have. I…
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Santander CC - approved, timed out due to bank error and then subsequent application rejected?
Hi everyone, apologies as this is a lengthy saga... I am 44yo, separated from my wife in January 2024. We had a small (around £4k) debt on an RBS credit card which was in her name and agreed to split this debt equally. In the short term I just paid my ex £100 pcm so she could gradually pay my share of the debt off. However…
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NatWest application online message
I went through MSE eligibility checker and got 100 per cent pre approved NatWest offer but when I go through to NatWest and fill in the first page name phone etc it immediately says: Sorry we can’t go ahead we can’t continue with your application online There is no follow up email or anything, is this a rejection or some…
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Premier Inn won't accept credit or debit cards not valid at check in date
Went to pay for a room with Premier Inn for July next year, but found that all 3 of my credit cards and debit cards have an expiry date of January and February next year. They won't accept any of them as they are not valid at the check in date. This means I will have to order a new credit card just to book my room, cancel…
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Credit card eligibility in the days of defined benefit pensions
Now I do have several credit cards, but I notice Amazon BarclayCard is offering quite good cashback (2% @ Amazon , 1% elsewhere) so I'm minded to get one. Now I actually have some annuities paying out, but for the sake of argument let's assume I don't. So many folks, moving forward, will have DB (Defined benefit) pensions.…
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Loyalty points and balance transfers
Hey everyone,I’ve got a major house refurbishment coming up, with planned spending around £20,000. I’m considering applying for loyalty credit cards, like the Virgin Atlantic or Barclays Avios, to take advantage of sign-up bonuses, loyalty points, and companion vouchers. My thought is to hit the spending thresholds to earn…
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Paid off Washing Machine with Credit Card and been charged a cash advance!
So, bought a washing machine from Currys, used buy now pay later 0% using their Creation Finance firm. Paid it using a virgin credit card in one hit so as not to incur any interest. All good, paid on time and my budgeting is on schedule to pay the CC on pay do, no problem. Today I see that there is a Virgin "cash advance…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
