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Credit cards
Hi there 1 have 3 credit cards with balances on them 1 is interest free for 29 months (no spare to transfer others ) 2nd is 12 month’s interest free 3rd 11 months interest free with lowest balance should I pay the lowest balance first over 11 months and pay as much as possible to clear and pay minimum on the others or…
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Mastercard priceless refunds
Hi! Can anyone help with some advice please? I bought 2 tickets to the theatre through the London theatres and Mastercard priceless promo but cannot go because I live in the south and the trains are on strike that day. Can anyone tell me if I can get a refund through my credit card on these? The small print on the tickets…
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Personal cc letter arrived with business name on it
Today the other director of my business (& my other half) handed me a letter addresses to me with our company name on. As it had our company name on he had opened it as he's sorting financial papers in prep for the annual return. My name is the main one on our company bank statements. But this wasn't related to the…
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Credit limit
Hello, I have had an unpleasant situation yesterday where I got a sms from First Direct saying that two of my transaction have been suspicious, it turned out it was five in total. My Credit Limit is £3000 which I actually never use so I could easily reduce it to £500 to reduce the damage if this should ever happen again…
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Recurring payment query...
Not sure if this is the correct/best Forum to Post, but here goes - About 12 months ago I paid for access to a 'well known' genealogy (family tree) research website/app. I don't recall it being an 'automatic renewal' payment. First thing I knew was a few days ago, I spotted a 'Pending' payment in my credit card app. I…
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A bit worried about my AMEX DD (due today)
Happy 2023 to all! I am a bit worried about my AMEX DD, set up to pay my statement in full from my FD current account roundabout at the start of the month, specifically 2nd January (=today) this month. I know it's bank holiday, but does this mean it will only be deducted tomorrow? It's not showing in pending authorisations…
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Credit card advice - what to do next
Hi I have 3 credit cards. A tesco card with a balance of £1603 and a credit limit of £4900 A Sainsbury card with £2419 with a limit of £8000 however
ive just received a letter offering to increase this. A natwest card with £0 balance and a limit of £9200 A total balance of £4022 and a credit limit of £22100 The balance on…
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MSE Credit card club login
This is in wrong category as there didn’t seem to be one for the mse credit card club. I need to check my eligibility for balance transfer and after correctly filling in all the login details, message says thanks for application may take a few days . I’ve had the account for years. What’s the issue? im worrying that a…
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Halifax Clarity Card
well a bit shocked that halifax has forced my credit card to be closed. To be fair I only really use it on holidays abroad and have not taken much of those in 2022 but my annoyance is the way they did it. I get a text over the Christmas period that my credit limit is changing to £75 and a letter would follow and to call to…
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Natwest and RBS 0% BT / 0% Fee cards. Same parent company but it seems you can apply for both.
Hi. Just wanted to let any stoozers know that although Natwest and RBS are both part of the same banking group, I have had no trouble at all applying for both cards within the last 4 weeks. Both were approved and with exactly the same terms and exactly the same credit limits. Normally from past experience this often…
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What is your BC rewards credit limit?
For those who don't know, I recently posted about maybe closing my BC forward as no credit limit increases but they offered a change of card to a rewards card, well I got an increase of my limit doubled recently through app application, and changed to the rewards, and I'm probably going to keep it, I still need a limit of…
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Tesco Credit Card Clubcard Points
Am I correct in that If I spend £7.99 or less not in a Tesco store with my Tesco Credit Card I won't receive any points so I would be just as well accepting the new NewDay Pulse credit card to replace my Amazon credit card and getting .25p per £?
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Cashback cards
Hi - was thinking of taking a rewards / cashback credit card, but just wondered if still available. Looked at Lloyds and Halifax but nothing showing. Thanks.
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Secondary card holder on AMEX
My boyfriend has an AMEX credit card and has suggested he adds me as a secondary cardholder to help collect Avios by using for petrol and food shopping (which I do the most of). His credit history is good, while mine is recovering from an IVA (started Sep 2017 and completed Jan 2022). We have no joint financial products…
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I applied for a Tesco Credit Card, but did not provide ID. Should this be on my credit report?
A while ago I applied for a Tesco Foundation Credit Card. They then mailed me a letter asking for ID, to which I never responded. Now, I checked my credit report and this Equifax application was present as "Credit Card" which (from what I understand) means they performed a hard credit check against my report. I don't think…
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Seller said it's ok to do chargeback!
I've only ever been 50/50 if chargeback would work. However a weird thing happened in Live Chat. We were both being super polite and I dare say annoying each other. Item was faulty and we couldn't agree who'd pay return postage. At the end they said "It's ok if you want to submit chargeback to your bank". Now I don't know…
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Overcharged in a bar - debit card chargeback claim refused
I was scammed (overcharged) in a bar abroad. I stupidly used my debit card for the transaction (around £1200). The bank, who I have been with for 16 years, is refusing to take on the dispute claim because they feel I don’t have enough evidence. They said to me that I need a copy of the receipt, invoice or a picture of the…
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DD payment for Nat West Mastercard query
Hi, I recently set up a DD to pay a Nat West Mastercard, does anyone know what date they take payments? My statement is issued on the 12th and it says payment must reach my account by Jan 4th however it also states that DD payments are taken 25 days after the statement date which would make my payment late! Spoke to live…
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credit balance on tesco credit card
Thanks to a cancelled show, Ticketmaster have posted a refund to my credit card yesterday, which means the credit card is in a credit balance of just over £100. I know technically credit cards should not be in credit balance, but as this is a result of a refund is this ok. I am intending to use the card again for a larger…
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Section 75 and purchase from overseas
Hi - I am looking for some guidance about section 75 for a future purchase. I am looking at purchasing a Nixie clock from Millclock, which ships its goods from Ukraine. The value would be over £100 My research shows that the company presently does not have any issues in getting goods out of their country, however, due to…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Lloyds 0% overdraft by pecunianonolet
9 December at 4:32PM