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Is it the right time to get a credit card?
Hi everyone. I have a current account with a well-known bank here in England. I used to have a credit card, but after a while I paid it off and stopped using it - this is about ten years ago. I am thinking about getting a credit card again. My credit score is good and I'd use it only to pay for shopping and perhaps flights…
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Credit card not used for a long time - Direct debit not on bank account
I have an MBNA credit card that I haven't used for a long time but I might start using it again. I have checked the direct debit settings on the card account and it's correct. However the MBNA doesn't show up in my list of authorised DD on my bank account. It's possible that I might have deleted it when doing some…
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What would you do?
Hi, I was hoping some one smart about credit cards may be able to help me! I am currently selling my flat and there is a Section 20 for works on it. I will be covering this bill, putting the amount into a retainer to be used when the work is done. The original full quote was quite high and after contesting the leaseholders…
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Section 75...business purchase on a personal credit card covered or not??
Section 75 is an amazing protection that has helped millions[?] of people to get refunds. know that Section 75 protection doesn't work on a Business Credit Card. If I purchase something business related for my 'side hustle' on a personal credit card, do I get Section 75 protection?
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Avios Barclaycard is allowing a balance transfer, but how do I separate paying purchases in full?
So I would like to pay the minimum payment for the BT, but obviously would want to pay off any purchases I make in the meantime in full to avoid paying interest. But how do I set up the DD to do this?
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My Solar install and Section 75
I had a solar installation fitted at my house, it wasn’t done very well and didn’t comply to regulations (both BS7671 and the MCS). I complained to the MCS (after the installer wasn’t very helpful) who forwarded my complaint to the NIEC as they investigate their complaints. I also complained to NatWest under section 75.…
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Barclaycard claim under section 75
Hello everyone, I am wondering if there are other people trying to make a claim under section 75 and have experienced the same frustration as I am having. It has been months since I made the claim and Barclaycard has still not settled. Instead, they are asking for more information from me and ALL communications that I had…
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Can you apply for credit card with same lender if you close previous card?
Hoping for some advice! I have had credit cards with most of the main lenders over the years - all but one are now paid off. However I now need a new 0% purchase card for some new larger items I need to pay for. Can I close some old credit cards and re-apply for new ones with the same lender? Would that negatively affect…
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Post balance transfer
Hi, little lost here! I have transferred my credit card balance yesterday. It has cleared onto the new card today and my old card balance is showing as NIL. success! My query is what happens with my direct debit on my old card. The next one is due on Friday and is currently showing the full amount. I’m with Halifax for the…
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Balance transfer card question
HI all If I have a credit card (0% spending) for say £7k and want to do a balance transfer what happens if the transfer amount is less than the original amount owing? Would the amount remaining on the 0% spending card continue as is or would the account be closed down meaning immediate payment? Thanks
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Help! Zopa balance transfer
Hi all, Thanks for taking the time to read. My promotional period with Zopa is coming to an end. I saw a good deal for a sainsburys card to transfer my balance to. After having the card approved, it turns out they won’t process a balance transfer from Zopa! I had another credit card with capital one already so I thought I…
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75% write off - Cabot. Statue barred soon
Hi I owed over £5k. The company then sold by debt to Cabot . After hounding me for years they reduced amount to £1250. I think this will be statue barred in December. However im thinking of my credit rating. Is it better to have 'settled ' rather than statue barred on my credit file?
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Spending on cc and PayPal
I figured out I can pay it back with still leaving money over each month. Thanks
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Amazon refund sent to defunct credit card account
Hello All, Amazon issued a refund for a returned, faulty iPad to the credit card account I had originally purchased the iPad with but which is now defunct. The credit card was with John Lewis who changed their banking providers from HSBC to New Day in autumn 2022 . As a result all J.Lewis card customers were issued with…
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Barclaycard don't allow additional card if not "close family member" or at same address.
This morning I rang Barclaycard with a view to obtaining an additional card for my partner. I've had additional cardholders in the past with no problems. This time, they can't issue one as my partner doesn't live with me and they can only provide additional cards for "close family members". This never used to be the case…
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If you're eligible on the credit checker...
...are you still guaranteed to be successful if you apply for the same card through top cashback? TIA
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Uber
Are there any reward cards out there that I could earn points or cash with for using Uber?
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Section 75 - Solar company lost MCS
In May 2022 I paid a deposit for a Solar install at £6000. The install took place on 30th June 2022. Two weeks after I placed the signed order, the installer lost their MCS accreditation but never informed any customers. After 10 months of broken promises about how they were getting back their MCS they went out of…
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Amex declined too often - need a new credit card
My Amex card is not accepted by too many places so I am looking for a new or 2nd card. I did a search on MSE and nearly all the answers came back as AMEX cards...??? does anyone have any credit cards that they think are particularly worthwhile? I am not looking to transfera balance, I just want either rewards or cashback…
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VM '23-'24 Latest Transfer Offer....
Removed. aks Deleted
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: Stoozing first time queries by surreysaver
30 August at 3:55PM
