We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

Suggestions for whicg credit card?

I have had a Barclaycard Visa for many years which I pay-off in full at the end of each month.  However Barclaycard recently decided to reduce my credit limit to a fifth of what it was previously which is not enough for my mointhly spend,  Have been in contact with Barclays head-office but they refuse to reconsider their decision to reduce said credit limit so looking for a new card supplier.  In the past I have always found getting refunds via VISA to be much easier than Mastercard but I don't know if that is still the case.

Any suggestions for a reliable and easy to work with card supplier?

Comments

  • MorningcoffeeIV
    MorningcoffeeIV Posts: 1,946 Forumite
    1,000 Posts First Anniversary Name Dropper
    There's no difference between Visa and MasterCard when it comes to refunds, as its down to the card issuer.

    Choose a card that has benefits you like and that you can get.
  • RomfordNavy
    RomfordNavy Posts: 703 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    edited 24 June 2023 at 2:23PM
    There's no difference between Visa and MasterCard when it comes to refunds, as its down to the card issuer.

    Choose a card that has benefits you like and that you can get.
    In that case any suggestions which card suppliers are best at allowing refunds when say a supplier sends incorrect or faulty goods?

  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 24 June 2023 at 5:24PM
    There's no difference between Visa and MasterCard when it comes to refunds, as its down to the card issuer.

    Choose a card that has benefits you like and that you can get.
    In that case any suggestions which card suppliers are best at allowing refunds when say a supplier sends incorrect or faulty goods?

    Sending incorrect or faulty goods isn't a valid reason for a refund  by the card provider.
    Only merchant's refusal to replace them or to refund you is.


  • RomfordNavy
    RomfordNavy Posts: 703 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Just signed up for an AMEX Platinum Cashback Everyday Credit Card.  However I now find that they charge a fee for sending monthly statements in the post.  I just assumed that all credit card companies did that for free but apparently not.

    So question is which card companies (other than Barclaycard) provide monthly statements in the post for free?

  • cymruchris
    cymruchris Posts: 5,512 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Just signed up for an AMEX Platinum Cashback Everyday Credit Card.  However I now find that they charge a fee for sending monthly statements in the post.  I just assumed that all credit card companies did that for free but apparently not.

    So question is which card companies (other than Barclaycard) provide monthly statements in the post for free?

    Is there a particular reason you need statements by post? You can print the PDF usually directly from your account if you want to keep records of spend in 'physical' form. I think most card providers now charge for any new accounts, and if they don't already, soon will. 
  • RomfordNavy
    RomfordNavy Posts: 703 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Is there a particular reason you need statements by post? You can print the PDF usually directly from your account if you want to keep records of spend in 'physical' form. I think most card providers now charge for any new accounts, and if they don't already, soon will. 
    Often don't have a printer that works.  Just like to deal with physical credit card statement like I do with bank statement.  When it arrives in the post I pay it, if I need to sign-on to download it it will probably get forgotten.

  • cymruchris
    cymruchris Posts: 5,512 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Is there a particular reason you need statements by post? You can print the PDF usually directly from your account if you want to keep records of spend in 'physical' form. I think most card providers now charge for any new accounts, and if they don't already, soon will. 
    Often don't have a printer that works.  Just like to deal with physical credit card statement like I do with bank statement.  When it arrives in the post I pay it, if I need to sign-on to download it it will probably get forgotten.


    Fair enough - Most of my accounts are paperless now - and I recall many of them stating that posting out a statement monthly as a service was now chargeable.

     I've just had a look through the accounts I have - the M&S credit card allows me the option of turning on paper statements and doesn't mention a charge. Tesco bank credit card also seems to have the option. Nationwide seems to have the option to also go non-paperless as a slide toggle.

    There's no mention of charges on any of those - but I do think it'll be ineviteble that it'll happen.
  • Is there a particular reason you need statements by post? You can print the PDF usually directly from your account if you want to keep records of spend in 'physical' form. I think most card providers now charge for any new accounts, and if they don't already, soon will. 
    Often don't have a printer that works.  Just like to deal with physical credit card statement like I do with bank statement.  When it arrives in the post I pay it, if I need to sign-on to download it it will probably get forgotten.

    Tesco Bank - you get a text to your mobile to advise when statement is ready, can be viewed in the app and then there is the facility to set up a reminder where you will get a text and email reminder 7 days before the payment is due.

    I get my statement the 21st, payment is due the 10th of the following month, paid within couple of days but still get the reminder on the off chance I get side tracked and forget.

    As an alternative to a reliance on post and printers maybe look to have access to a laptop / Ipad where you can view the statements full screen and then pay from your bank using bill payment or set up direct debit for the full balance to come out of your account 


Meet your Ambassadors

Categories

  • All Categories
  • 346.6K Banking & Borrowing
  • 251.4K Reduce Debt & Boost Income
  • 451.4K Spending & Discounts
  • 238.8K Work, Benefits & Business
  • 614.3K Mortgages, Homes & Bills
  • 174.8K Life & Family
  • 252K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.