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Onmo APR increase
Just a quick heads up, Onmo just sent an email telling me that the APR is going from 34.2% to 47.99%. Wow. I am going to get shot of that, its just such a huge increase. I have had other credit cards previously and the APR has never gone up by that much. Theres a button to repay the minimum at my current APR and close the…
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Sainsbury's Bank sold to Natwest
https://www.about.sainsburys.co.uk/news/latest-news/2024/20-06-2024-sale-of-core-banking-business-to-natwest-group Unlike Barclays purchase of Tesco Bank, it doesn't seem this deal includes ongoing usage of the Sainsbury's name, so Sainsbury's Credit Card customers will become Natwest (or I suppose maybe RBS or Ulster…
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Co-op bank phone lines
I have been on hold to the Co-op Bank 0345 600 6000 number now for TWO HOURS and SEVENTEEN MINUTES and counting. It is simply inconceivable that there are enough people waiting who are prepared to wait for more than two hours. I can only assume there are no staff at the other end. This really is a deplorable example of…
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Balance transfer credit card
I have two MBNA credit cards and would like to clear one of them with a balance transfer to my new Nationwide credit card. Is this allowed?
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"Ethics" of credit card spending
Morning, Are there any ethical or moral concerns when it comes to credit card spending? If you use reward cards for example and do all your spending on these (paying back in full each month of course) is there any net negative either to yourself, or the greater society? Thanks
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Credit Card & PayPal - Cash or Purchase?
Hi All, Hope you can help. Does anyone have experience of sending money to friends and family via paypal from a credit card - and whether it was treated as a purchase, or as a "Cash-Alike" transaction? I've asked paypal and they've basically ignored my message, and I can't call. Their FAQ just says "We don't charge cash…
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Vanquis settlement fee
Hello looking for some advise. I have a £4k debt with vanquis, currently not missed a payment in 65 months, no late payment either. I have called twice in the past 6 months to raise my worries around not being able to manage it. I have received some money from parents to try and clear debts. Called vanquis and they advised…
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Sainsbury Card to Nat West, now two accounts. Combine? New Card.
My Sainsbury credit card will move to Nat West at the beginning of next month. I allready have a bog standard NW credit card issued many years ago. This card does not have charge free use overseas. Just asking this question before contacting NW. I'm looking to try to convert both cards to just one of the newer Nat West…
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Moved: Credit Card Debt
This discussion has been moved.
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Tesco 22 month interest free credit card
I have just got this card, as i had a large purchase i wanted to make, I am now thinking about making another purchase using the card, but can not find out anywhere , If there is a date when the purchase that will be eligible for the interest free period, ends, on another card i have it is purchases with in 30 days, Is it…
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2 default notices for same debt?
Hi all I have a small forgotten credit card debt from years ago, which ive just been contacted about by a dca. I issued a sar to the lender and dca The results were that the credit card company issued 2 default notices ( which are not on my credit file) 1 in early 2019 and the other in late 2024 The last payment on the…
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Braclays Balance transfer credit card
Hi, I was wondering if it is possible to get a balance transfer credit card from the same bank that has provided the mortgage. The credit card will be used for some house related purchases. I currently have a bank account with Lloyds and a mortgage with Barclays. Ideally, I would like to get the Barclays card which has the…
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Section 75 claim for used car
Hi, I purchased a car November 24 using my credit card for the deposit, traded in my car and paid the balance by debit card. ( the one I used was my husbands but it's a joint account. The bulk of the purchase was the car we traded in. There was 6 months warranty provided, the card had been having issues and I contacted the…
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Virgin Money Section 75 Claim - Car Purchase
Hi, This might be slightly long but it has been 7 months and I just want to try and give all the facts :) My partner was having twins last November and we both had 5 seater cars and another 4 year old therefore I went out and purchased a used 7 seater for around £3000 on November 22nd 2021. All was fine with the car until…
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Close credit card?
I have a card with a high limit, and I almost never use that card, as I have others that I use. Are there any advantages or disadvantages to closing it? I would still have Visa, Mastercard, and Amex in existence. I make occasional non-UK purchases (mostly software) but travel outside the UK is unlikely. The limits on my…
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Amazon Barclaycard, are people closing their normal Barclaycard for this?
There is a lot on here who have the card, but there is a limitation that you cannot apply if you have a normal Barclaycard. So curious if people have found a way round it, or they just cancelled and waited 6 months to apply?
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FLUID CREDIT CARD (NEW DAY)
Has any fluid Customers been affected i rang fluid as i wanted to make a payment (they have just closed totally they have removed the app (The answer phone says that they have sold My account pleaser do not make any payments to them but it doesnt say who has purchased the account they did not notiffy me before hand and if…
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LOVEHOL-DOM
I saw a post on your website and faced similar issues with the same merchant, LOVEHOL-DOM. As the post mentioned, I am in a similar situation. On 22nd July, LOVEHOL-DOM made three transactions on my HSBC credit card: one for £0.30 and two for £750 each. (None of these transactions required OTP verification or triggered a…
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Trying to get a refund from Amex
I have had my Amex card for a while, never had an issue, never needed to get a refund. Until this year. I had to cancel a trip and the hotel refunded me £1200 to the Amex card. I contacted Amex and requested this money was sent from Amex into my bank account. I have a few bank accounts. According to Amex the money would…
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Balance left on deceased relative's credit card
HI, my uncle in law passed away some time ago and his wife is now living in a care home. The solicitors dealing with his estate have gone incommunicado due the only solicitor now being unwell. A couple of months ago we managed to get some of the details of my uncle's assets and liabilities, and I noticed that he had an…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
