-
New to the Credit Cards board? Start here
💳 Useful threads on this board * Best Balance Transfers Discussion Area 💳 Related content on MoneySavingExpert.com * Our main Credit Cards page * Our Getting your first credit card guide * The Credit Card Eligibility Calculator * Credit Club * Our American Express tips & tricks guide 💳 Other boards on this forum * Our…
-
Spam Button
Hi Everyone Just a quick reminder for long term users and a heads up for new users: if you spot any genuine Spam on this board, could you all please hit the spam button - it helps the forum team deal with it much quicker if we all work together to get it bashed. Please don't reply to the spam as this will just keep it at…
-
Credit card refund
In September 2023 I booked flights for June 2024 on a Canadian airline using an HSBC credit card. In February I had an email saying the airline had ceased operating with immediate effect. I called HSBC, who said that since the transaction was made more than 90 days earlier I could not claim a refund. I looked into it, and…
-
Pre Approved, Maybe?
Kept getting emails from capital one saying I’d been pre approved for a classic or balance transfer card, think it’s cause I did a quick check a few months back maybe, anyways I wasn’t interested but they kept sending the emails so I decided to go for the capital one balance transfer card as it was 6 months interest free I…
-
Selling a car privately, How do I make sure they don't use a CC to transfer money?
I'm selling a car privately to someone. I've read on things to watch out for and one of those is someone paying with a CC because they "could" do a chargeback at some point? If I was about to sell it and they went on their phone to do the money transfer to my bank account, how do I know they aren't using a CC without…
-
JaJa Credit Card Interest
I'm sure I have been overcharged interest on my Jaja credit card. At the start of the month I owed £1467. I paid off £315 and spent another £132. I have been charged £44 interest. The interest rate is supposed to be 23% pa. I think I shlould have been charged £28. In the past when I have complained about the amount of…
-
Paying off a Barclaycard cash transfer
16 months ago I made use of a 0% interest promotional offer and took out a £5,000 cash transfer from my Barclaycard to my current account. Since then the money has been sitting in my offset account, reducing my mortgage interest payments, so that's all good :) However as the end of the interest free period approaches (1st…
-
Credit Cards vs Debit cards rewards/ interest
Hello! We have about 20k in the bank ready to spend on our house - namely White goods, decoration, sofas etc (no building work) Is it better to keep the money in a high interest savings account, and get a credit card with rewards - pay for the goods through the credit card - which we would pay back monthly IN FULL via the…
-
CCJ entered but process not followed?
Received a CCJ notice for about 3 grand, one of these bulk Mortimer Clarke ones (on behalf of NewDay? I do owe the debt, but I believe the process in regards to the PRE-ACTION PROTOCOL FOR DEBT CLAIMS has not been followed. I was not sent Annex 1 or 2 as listed in the process, nor is the date of the agreement listed as per…
-
Credit Card Options for House Renovation
Hello! Very new to this so apologies if I say anything silly! We have saved up for 10 years(!) and finally brought our first house. It is a wreck and needs about 40k-60k worth of renovation on it. Family members have very kindly offered 20k as a gift to help and have also offered to loan us the remainder interest free. I…
-
Worried about possible CIFAS marker
Worried about possible CIFAS marker
-
Did anyone get a sensible credit limit offer on the MBNA 0% card?
I've just tried applying for one of these and was offered a miserly £500 credit limit. Other cards I've had in the past have had limits in the low tens of thousands, and it's a fraction of my monthly income. Is the offer actually serious and have others received a sensible limit? I've got an 'excellent' score on Credit…
-
Credit card security blockage abroad - due diligence failures - have you been caught out?
Halifax clarity credit card is promoted as the "bees knees" when traveling abroad - it can be a disastrous failure On a cruise this line this year Halifax blocked the card when the cruise line attempted to set up payments for onboard incidentals using a $1 deduction. Halifax knew we were abroad by the trail of card usage…
-
Credit Card Direction
I'm looking for some thoughts on credits cards. I currently have 3 credit cards, listed below. At the moment I am just paying more than the monthly minimums to reduce them over time. However this is pretty slow going as you can imagine due to added interest and only paying a small amount over the minimum i.e. approx.…
-
0% transfers drying up?
Noticed recently that 0% transfers (for existing customers) have started to dry up. Barclaycard in particular has had zero offers for the last few years. Credit score is excellent - but I do have a few loans, wondered if the balance on these needs to reduce before offers appear again? Is that the sort of thing credit card…
-
118 118 Money will not let balance be moved to another provider
I have a credit card with 118 118 money and would like to move the balance to another card (FLUID) who are offering a 0% on balance transfers. I have the FLUID card set up but when requesting the balance transfer 118 188 money are saying no, saying that personal data information does not match - we have checked and 118 and…
-
0% transfers
We have two current credit cards (Vanquis and Barclaycard) in my wife's name, and a loan from Zopa in my name. We are able afford the payments, and have been paying slightly more than the minimum on the credit cards. However, we have a remortgage imminently and are looking to make a bigger monthly dent in the debt to…
-
S75 claim - no invoice provided by merchant
Hi all, Recently had some cosmetic work carried out on my car and the standard of the work was poor. Sent the car back to have the issues rectified and it came back pretty much the same. Merchant unwilling to help so I lodged a S75 claim with American Express. I was never provided with an invoice and American Express are…
-
Credit Card - Default and future Payment
Hi all I hope someone can help. The debt in question stems from a Capital One credit card, and due to unforeseen circumstances including job loss, my last payment was made in March 2018. Subsequently, I have had no further communication or transactions with Capital One. I understand that a default was placed on the account…
-
Balance transfer to credit card
Hi, Does anyone know how you can pay off a loan with a bank to a credit card, that I got specifically to do this for, to cut my interest payments. I have tried through the bank, they won't accept it, and I have tried it through the credit card, they too won't accept it. Any suggestions
-
Temporarily cashflow problem, and Barclaycard.
I have some cash locked away on some fixed term higher interest accounts, and currently having some cashflow issues. I could forgo the internet on these, but figured I could also take advantage of one of the zero interest cards. I took out a Barclaycard with an "upto 21 months" interest free on purchases for help with the…
-
Can I stop pre-approved payments?
Hi, Is it possible to stop pre-approved payments on a credit card? By that I mean when a car hire company takes your credit card details months later they start taking amounts from your account - the amounts they are taking are in dispute and I want to withdraw my authorisation for them to take any more.. is this possible?…