Suggestions for whicg credit card?

RomfordNavy

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?

MorningcoffeeIV

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

MorningcoffeeIV said:

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

RomfordNavy said:

MorningcoffeeIV said:

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.

>> Chargeback refunds

RomfordNavy

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

RomfordNavy said:

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

cymruchris said:

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

RomfordNavy said:

cymruchris said:

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.

martinbainbridge1975

RomfordNavy said:

cymruchris said:

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