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Eligibility when unemployed
Hello All I would be grateful for some advice. I am currently unemployed (through sickness) but I do receive an "income" (critical illness insurance). I have two credit cards, one attracting interest per month of c£60. I pay off the balance in full on one and make in excess of the minimum payment on the other but, ideally,…
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Dependants
My son is on PIP and universal credit. Lives at home. Aged 24. He pays me an amount every month towards bills/food from his benefits. It is not as much as rent and bills would be if he was on his own. I am applying to transfer my cc balance to a 0% deal. Would my son be classed as a dependant still or can I say no and…
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CREDIT CARD/TRAVEL CARDS
I am going to Aus/NZ next year. I have never had a credit card before but plan to take one for emergencies. I will also take a separate card and have been told not to take my current debit card? Does anyone have advice as to which credit card to take. Can I have a temporary one linked to my account - I have a strong fear…
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section 75/ chargeback claim for transaction under £100
Hi I have a transaction from a website whereby the item is defective. I've reported it to the website and they pretty much send back the same copy and pasted response obliging me to post it back at my own expense and then they'll refund the original payment (but not the postage fee). Considering I'd need to send it…
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Visa Chargeback
Hi. Had a situation at the end of July whereby a car hire provider forced me to pay £500 for damage that was already noted on the car. Long story, but I had no choice as felt threatened. I have complained to Nationwide (card issuer) and have requested a chargeback. I appreciate that the claim must be initiated within 120…
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Does section 75 apply when buying multiple items under a single order which together exceed £30k?
We are buying replacement windows and doors for our house. The total order cost will exceed £30k. However, each item on the order will be in the region of £900 to £2500. My understanding is that we will be protected for each item individually, rather than for the order as a whole, meaning we will not violate the £30k limit…
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0% Balance Transfer Card - Paid off. Keep or Close ?
Paid off my 0% Balance Transfer Card. Should I use it as a Credit card with a high credit limit, but currently the rate stands at 25% apr changes with bank rate or should I cancel the card now. If I should need another 0% balance card in future.
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Can chargebacks or Section 75s affect your credit rating negatively?
Just that really. If I issue either for a credit card or valid debit card, is there any scenario it can lower my credit rating? Is the worst case that you just don't get the money back? Thanks.
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change of credit card repayment date - will this mean 2 payments?
Hi I have changed my credit card minimum payment direct debit from 10th to 28th of each month. The August Direct debit left my account on 10th this month. Payments will be taken on 28th from now on. Does this mean that I will pay on August 28th as well as the payment I have already made on Aug 10th, or will it be September…
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Does a default count as total credit usage?
Got one defaulted credit card that I'm paying back bit by bit (going to start reducing this quicker from next month's payday as I'm getting some overtime at present and will throw more at it). The outstanding balance is around 75% of the limit i.e. £1200 of £1600. I got myself a new credit card back in January that had a…
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Credit card / personal loan help
Hiya, In my younger years I racked up quite a bit of debt on credit cards - and got into a cycle of paying off the min while still using the cards. As a result they accounts were closed but I’m now in a much better position paying off more than the min each month / saving as well. But the question is would it better to get…
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APR
Hello everyone. Please accept my apologies for being naïve however I really don't know what I'm doing I'm afraid. I'm looking to reduce my payments on 3 credit cards so looking at balance transfer. I'm looing at Nat West 28 months 0% however it says APR 23.9% which has confused me. Is the APR just for purchases? I don't…
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Interest on a "cash" transaction through PayPal
So on the 25th July I paid for a market place item using PayPal f&f. I used my credit card as this is what I have always done with no issues. I then put £1000 across to my cc on Payday, well in advance of my statement closing on 9th August. Every month I pay off my statement balance. When I checked my statement I had been…
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NatWest credit card
Hi, I applied for a NatWest credit card online yesterday. I had an email this morning saying “your credit card will be up and running soon and we will text you to let you know the card is on its way”. Does this mean the application process is done and I have been approved? Or is this a general email they send out to all…
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Got sent new CC but not the BT offer applied for 😞
Hi, After checking the 0% offers on BT on the main website I applied for the 0% no fee at HSBC (for 16 months). It all seemed to go through very quickly (approved and card sent). When I went on the app today I realised that the offer had not been included. (I have double checked this with customer services). Although they…
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Balance Transfer issue with Zopa
Hi there, I have made a balance transfer through Sainsburys Bank from Zopa which has been accepted and apparently completed according to Sainsburys Bank, however, the sum of Money that Sainsburys now has added is still also showing as a balance in my Zopa account and has been for almost 2 weeks now. I have phoned both…
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Credit card full balance payment
Probably a really obvious question so apologies. I know it’s better to repay the full statement balance of your credit card each month, my question is if you do this but the next day spend the same amount on it - does that affect the positive benefits of paying in full? I.e. if I had £250 on a card, pay the full £250 at…
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Amazon gave my Child’s go Henry card details to audible and they made withdrew £7.99
Hi I’m looking for some guidance in find out if something is actually legal and if I can and who do I complain to. The situation is my 11yo son comes home from camping and complains that Audible have taken out £7.99 from his go Henry card account. my first thought is he’s brought a book or credit by mistake but it turns…
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Advice Needed on 0% credit
Hi all. I am a single parent to twins and they are just about to start nursery and I am returning to work after maternity leave. The nursery ask for payment half termly upfront which is £3000. I will be claiming this back through universal credit. I am not entitled to any advances through uc so have to find this money…
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M and s credit card end date.
Hi I was panicking the other day that my credit card end date would be coming up soon but it never says on the statements the end date of the 0 percent deal like other credit cards I've had. Nothing also on the app ethier. I had to contact them via the chat facility and they said they would remind me 21 days prior to end…
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 Nasqueron
22 July at 1:10PM
