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Duty of care
When a new credit card application is made what is the companies duty of care? I am going through my Mother's estate and have found she had several credit cards, her latest current one was issued even though she had 16K of debt with collection agencies, including a court order securing debt against her house on her death.…
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Refund on Debit card
Why does it always take 3 days to get a refund on a card payment - but paying is instant ?
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Overseas/new puchase credit card
Does anyone know of a credit card with a decent amount of 0% on new purchases offer, but also with no fees for using abroad please?
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Credit Card advice
I'm looking to obtain my first credit card. This is only for the purpose of booking holidays at which point the funds will be transferred to settle the bill. Of course, it will also give some comfort in the event being caught short just before payday. Any recommendations? I'm a nationwide customer.
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Barclaycard live chat is a joke!
Long story short a few weeks ago 20th May I used Barclaycard live chat on app to order some copy statements need them as moved & wanted to see what I spent over the years etc! Told me they would arrive by said date! Never turned up by that date so messaged again & they wouldn’t help & check if they were ordered so just…
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Credit Check
Should credit card companies use your Disability Living Allowance as part of your income when considering an application.
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Credit card dispute confusion
Ok a while back I ordered from Amazon, box arrived bashed about and so I returned items and got label from Amazon but it seemed lost in post, and another item ordered at same time I returned as it was part of the project I had planned to do they got this one back but claimed they didn't. I went to my card provider who…
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Credit Card Consolidation?
I'm having trouble getting my head around what my best option would be and I'm wondering if anyone had a simple solution. First off, I don't feel my level of debt (approx 7K) would require an IVA. In short, I have debt on 3 credit cards: MBNA: £2,000 (33.5%) Capital One: £2,800 (0% until September 2024 and then 22.4%)…
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What rewards credit card should I get? (spending £2k soon and amex not accepted)
Hi, I'm going abroad in august/Sep and my spending will include approx £900 flights and £1400 on a tour package trekking thing where they don't have amex listed as a payment method. I was thinking of being savvy this time and get a dedicated card for the points/rewards rather than waste it using my halifax clarify with no…
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Cancelled Account
I’ve just received a letter from MBNA my credit card company to say my account will be closed in 2 months time with no explanation as to why. After ringing them they said they didn’t know why but the account will definitely be closed. They also said I couldn’t make a complaint as ‘no banking error’ had been made. I haven’t…
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Credit Card company investigating my conduct
Hi, I was on the phone to my bank and came across an agent who was useless, I ended up losing my rag and made an obscene comment before hanging up. The bank said they're investigating. I have a promotional deal with them for 2 years. Can they void the contract on the grounds of conduct? Can they take legal action?
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Missing Bank Transfer
on Jun1 - I spoke with bank who were offering 0% interest for bank transfers from other credit cards. Never done before - but I asked for two of my cards balances to be transferred to this bank. All agreed. Was advised that it might take a while for these transactions to show up. One went through fine - the other - the…
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2nd Halifax credit card - hard search?
Hi all, I’ve had a Halifax current account for years, and at the start of the year took out a balance transfer / purchase credit card with them, applied through the app & was approved immediately but no hard search was ever recorded on my credit report. For the past few weeks when logging in to the app I’m getting a…
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Prepaid credit card for youth travel
Hi all, looking for some leads on getting a prepaid card for youth travel. Under 18 traveling with a youth group, so needs access to own finances. Prepaid and top-upable card seems like the ideal solution…but all the travel ones I’ve tried applying for are 18+ only…anyone got any pointers? many thanks
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Do I need to get a bespoke CC to use abroad or not?
I'm off to the States in August Very simply, I currently hold a First Direct (Gold) Credit Card that I can use. Is there any benefit to me applying for a bespoke Halifax/Barclaycard etc 'Travel' CC to use instead? TIA
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Question Regarding Euro Currency purchase
Hi all, just a quick question if I use my John Lewis Newday CC to purchase Euros from John Lewis is this classed as a money purchase and therefore incur any fees
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First Direct Purchases Gold Credit Card application
Some advice here for First Direct experts please! I have recently &applied for First Direct First Account and it was instantly approved🆒 I am now considering whether to apply for the Gold Credit Card via app. However when I went to the products section on app & selected Purchase Gold CC, the next page on screen appeared…
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Balance Transfer from TSB card to Barclaycard Twice?
I have a balance of just under £5k on a Lloyds TSB card, I was just accepted for a Barclaycard yesterday with 0% on balance transfers for 18 months, if I do a balance transfer from my TSB card over to my Barcalycard to clear the TSB balance down completely can I then then pay off something else with the TSB card and then…
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Section 75 time limit revised post
No time limit of S75 is mentioned MSE. I am exploring a claim concerning a roof installation over 10years ago paid wholly by credit card which had a 20yr Guarantee. The fault incident was in March 2023. Preliminary enquiries via Solicitor to take small claims route suggested 6yr limit (SofL) may preclude claim ? I had…
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Paypal credit balance gone and they are no longer taking payments from me ??
Hi so I owe around £650 in PayPal credit I couldn't afford the interest and min re payment so they put me on a plan I have been on for 4 months £12 a month no interest ect. Which has be paid by DD. However I noticed last week the past 3 months they didn't take the £12 out my back and also the PayPal Credit section and the…
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: 3% fee BT on Virgin Credit Card by TadleyBaggie
8 August at 8:22PM
