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  • FIRST POST
    • HappyUser
    • By HappyUser 7th Jul 18, 7:06 PM
    • 72Posts
    • 1Thanks
    HappyUser
    Complaint for Visa and Halifax
    • #1
    • 7th Jul 18, 7:06 PM
    Complaint for Visa and Halifax 7th Jul 18 at 7:06 PM
    Hello!


    I have made a couple of transactions with some dodgy merchants. While legitimate companies are happy to refund you if you are not happy, these will do whatever it takes so that you don't get a refund, even though their products/services are crap.


    Halifax particularly has been extremely unhelpful when pursuing a refund on your debit card. You are pretty much left alone and they often blame Visa's terms and conditions.


    In contrast, Paypal or Amazon (not Ebay), have been extremely supportive to unhappy customers.


    Is there a bank and debit card that can offer a service on par with Paypal in terms of refunds?


    I am far from a scammer consumer who rips off businesses, but at the same time, I don't want to feel like an idiot for paying and receiving crap, with no chance of refund.


    Thanks!
Page 2
    • masonic
    • By masonic 8th Jul 18, 3:12 PM
    • 9,823 Posts
    • 7,034 Thanks
    masonic
    S75 protection only kicks in where the total cost of the item/service is at least 100. How often does your tube journey cost that?
    Originally posted by Pun
    A lot of claims on credit cards are chargeback claims.
    • HappyUser
    • By HappyUser 8th Jul 18, 4:46 PM
    • 72 Posts
    • 1 Thanks
    HappyUser
    S75 protection only kicks in where the total cost of the item/service is at least 100. How often does your tube journey cost that?
    Originally posted by Pun

    You misunderstood, I didn't ask if protection is available for tube payments, I asked if credit card can be used for tube payments.
    • 18cc
    • By 18cc 8th Jul 18, 4:51 PM
    • 737 Posts
    • 493 Thanks
    18cc
    As others have said, you can use a credit card pretty much anywhere you can use a debit card, including tube journeys. Only thing you shouldn't use it for (because you will pay fees) is cash withdrawals and buying foreign currency.

    Otherwise, for goods purchases, your protection is much higher with a CC than a DC, at least for purchases over 100.

    For purchases under 100, Paypal has good protection.

    However, again as others have said, best not to make too many claims on any method otherwise it will start ringing alarm bells.
    • Terry Towelling
    • By Terry Towelling 8th Jul 18, 4:57 PM
    • 579 Posts
    • 488 Thanks
    Terry Towelling
    S75 protection only kicks in where the total cost of the item/service is at least 100. How often does your tube journey cost that?
    Originally posted by Pun
    It's personal choice what card type you want to use but it's usually best to spend someone else's money rather than your own - which can sit gathering interest (albeit small) until you then pay off the CC bill in full. Using a CC isn't always about S75 coverage and the Chargeback coverage for debit and credit cards is pretty much the same.

    Banks will use Chargeback rules to handle disputes wherever possible. Paying out when conceding a likely S75 liability always comes after using any available CB rules. The rules aren't complicated, but where so-called consumer-protection is the focus of the CB you should - as stated in a previous post - be aware that the retailer has a 'right to reply'.

    I very much doubt that any card issuer would downgrade its efforts to help a customer based on the card type used. Laziness or lack of knowledge are much more likely reasons. It is true, though, (or at least it was) that a card issuer will receive a payment from the retailer's bankers for every 'sale' transaction made on one of its cards. This payment will be a percentage of a credit card transaction's value but will be a fixed number of pence per transaction for a debit card.

    And, yes, unless you have no other choice, do not 'borrow' cash from ATMs or by over-the-counter cash advances on CCs because you will likely pay a handling fee and interest from day 1 regardless of whether you pay in full. Debit Cards for cash withdrawals every time.
    • JuicyJesus
    • By JuicyJesus 8th Jul 18, 4:58 PM
    • 3,280 Posts
    • 3,608 Thanks
    JuicyJesus
    I've literally never made a chargeback ever so this thread utterly baffles me. Where on earth is OP doing their shopping?

    FWIW I use a credit card (either Amex or Barclaycard for places that don't take Amex) for literally everything, so on top of extra protection I also get paid to spend money.
    urs sinserly,
    ~~joosy jeezus~~
    • Lisbon
    • By Lisbon 8th Jul 18, 6:00 PM
    • 355 Posts
    • 321 Thanks
    Lisbon
    How about egg sandwiches?
    • JuicyJesus
    • By JuicyJesus 8th Jul 18, 6:42 PM
    • 3,280 Posts
    • 3,608 Thanks
    JuicyJesus
    How about egg sandwiches?
    Originally posted by Lisbon
    No I have to buy those in groats and shillings.
    urs sinserly,
    ~~joosy jeezus~~
    • TheShape
    • By TheShape 8th Jul 18, 6:59 PM
    • 1,399 Posts
    • 1,270 Thanks
    TheShape
    Can I use a credit card to completely replace my debit card?
    Ie, I can use it at the takeaway, tube, online, etc?
    Originally posted by HappyUser
    I very rarely use my Debit Card, the Credit card gets used for pretty much everything that isn't a cash withdrawal or a payment into an investment/savings account. I use it at the takeaway (if they accept it), the tube, bus, train, tram etc in London, online, shops, restaurants, to access a public toilet in Oslo etc.
    • Terry Towelling
    • By Terry Towelling 8th Jul 18, 7:53 PM
    • 579 Posts
    • 488 Thanks
    Terry Towelling
    I've literally never made a chargeback ever so this thread utterly baffles me. Where on earth is OP doing their shopping?

    FWIW I use a credit card (either Amex or Barclaycard for places that don't take Amex) for literally everything, so on top of extra protection I also get paid to spend money.
    Originally posted by JuicyJesus
    I'm not surprised you've never done a Chargeback. You and I don't do Chargebacks. We have disputes with retailers and sometimes we ask our credit/debit card issuing banks to intervene for us. They have rule sets (as already described in several posts) that in certain circumstances allow them to send the debts back to the retailers bank. That process is called the Chargeback Process.

    Not sure that Amex has quite the same level of dispute protection as cards branded with Visa or MasterCard. Is your Amex card a Charge Card or a Credit Card? Traditional Amex was always a Charge Card, meaning you had to pay in full every month. Legally that isn't a Credit Card and so you don't get S75 CCA coverage. If you have one of the more modern Amex Credit Cards you do have the protection.

    I hope there is no fee for your Amex Card. You can buy a lot of egg sandwiches with that fee.
    • HappyUser
    • By HappyUser 8th Jul 18, 8:10 PM
    • 72 Posts
    • 1 Thanks
    HappyUser
    OK I am convinced to get a credit card then, although I don't understand how these people will make money of me as I don't want to pay any interest.


    From my understanding, it is either 0% for many months or rewards that you get, right? The 0% would be interesting, but they still want you to pay each month the balance (if not, you pay a balance fee to transfer it each month), so I don't see any benefit with that.


    Is there a list with the other rewards I can have? And is there any who provides protection for less than 100?
    • Emily Joy
    • By Emily Joy 8th Jul 18, 8:25 PM
    • 187 Posts
    • 76 Thanks
    Emily Joy
    From my understanding, it is either 0% for many months or rewards that you get, right?
    Originally posted by HappyUser
    You haven't done your homework


    With 0% for many months you just need to pay a little over the minimum payment, which is usually the maximum of 1% or 2% of the balance and a fixed amount you are expected to pay (e.g. 25 for Virgin Card, 5 for Lloyds).


    There is a thread dedicated to credit cards discussions in the credit cards area of this forum.
    • Terry Towelling
    • By Terry Towelling 8th Jul 18, 8:40 PM
    • 579 Posts
    • 488 Thanks
    Terry Towelling
    OK I am convinced to get a credit card then, although I don't understand how these people will make money of me as I don't want to pay any interest.

    From my understanding, it is either 0% for many months or rewards that you get, right? The 0% would be interesting, but they still want you to pay each month the balance (if not, you pay a balance fee to transfer it each month), so I don't see any benefit with that.

    Is there a list with the other rewards I can have? And is there any who provides protection for less than 100?
    Originally posted by HappyUser

    There may be some misunderstandings here. Firstly, you shouldn't care if the card company makes no money out of you.

    In any case the credit card issuing companies do make some money even if you pay no interest. I believe they call it 'Interchange Payments'. The retailer's bank has to pay a small percentage of the transaction amount to your card issuer for every sale transaction you make at one if its retailers.

    If you have a 0% interest card (fixed for however many months) that just means you are borrowing for free. You still have to make monthly payments towards the balance you owe - either the minimum payment, the full amount, or anywhere in between (pretty much like a normal loan). To take proper advantage of the 0% rate you will probably not want to settle in full each month - but don't let that stop you if you want to instil some discipline into the way you handle the card/payments.

    I'm not sure where you are coming from with the balance transfer stuff. You just make payments to the card issuer each month to reduce the balance that you owe. If your 0% deal comes to an end and you still have a debit balance outstanding you would then start paying interest on what you owe unless you pay it all off.

    Forget all about balance transfers for the time being.

    You just want one credit card to put your spending on, make at least the minimum monthly payment during the 0% period and make sure you pay the full balance off before the 0% deal ends. From that point onwards you would ideally always pay your card bill in full each month every month to avoid being charged interest - and never use a credit card for withdrawing cash - unless you really don't have any alternative.
    • 18cc
    • By 18cc 8th Jul 18, 9:30 PM
    • 737 Posts
    • 493 Thanks
    18cc
    There are lots of different credit cards but one you could consider is the Tandem credit card which gives you 0.5% back on all your spending it is a Smartphone app based credit card though
    • Westie983
    • By Westie983 8th Jul 18, 10:01 PM
    • 4,553 Posts
    • 15,077 Thanks
    Westie983
    There is a thread dedicated to credit cards discussions in the credit cards area of this forum.
    Originally posted by Emily Joy
    Hi Emily Joy,

    Just adding a link to the credit card board you mentioned.

    https://forums.moneysavingexpert.com/forumdisplay.php?f=11

    Thanks for directing HappyUser to this.

    Westie983
    Save 12k in 2018 #10 Total (25000)+14800/12000 = 123.33%
    Sealed Pot Challenge ~ 11 #97 Total (410) + 40/500 = 8.00% ( x 11)
    Xmas 2018 1 a Day #2 Total 62.59/365 = 17.14%
    Virtual Sealed Pot #1 Total 1200/1000 = 120.00%
    2 Savers Club 2018 #16 Total (1500)+-470/2000 = 51.50%

    Total 18132.59/15865 = 114.29%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • HappyUser
    • By HappyUser 8th Jul 18, 11:18 PM
    • 72 Posts
    • 1 Thanks
    HappyUser
    There are lots of different credit cards but one you could consider is the Tandem credit card which gives you 0.5% back on all your spending it is a Smartphone app based credit card though
    Originally posted by 18cc

    Does it need NFC? My phone doesn't have it.
    • Zanderman
    • By Zanderman 8th Jul 18, 11:48 PM
    • 1,799 Posts
    • 4,455 Thanks
    Zanderman
    Does it need NFC? My phone doesn't have it.
    Originally posted by HappyUser
    No!
    Tandem is a normal plastic card.
    You log into your account via the app, you don't pay for things with the app.
    https://www.tandem.co.uk/credit-card/

    Edited to add: And, just for info, we do nearly all our spending, large or tiny, on credit cards - Nationwide or Tandem. We pay both off in full every month, so never pay interest. Sometimes we pay them back several times a month. It's all a matter of seeing the CCard as a convenient way to spend, not as a convenient way to run up debt. Once you get into the habit it's easy - we can assign different spends t different budgets, they are just initially paid off on the CCard. But you do need to be disciplined as if you're not you can start to get into debt as the CCard balance doesn't show in your bank account!
    Last edited by Zanderman; 08-07-2018 at 11:53 PM.
    • Marcon
    • By Marcon 9th Jul 18, 1:17 AM
    • 495 Posts
    • 353 Thanks
    Marcon
    OK I am convinced to get a credit card then, although I don't understand how these people will make money of me as I don't want to pay any interest.
    Originally posted by HappyUser
    Do yourself a favour and don't get a credit card. If you can't even remember if you have a joint account, you haven't a hope of keeping track of spending on a credit card.
    • Marcon
    • By Marcon 9th Jul 18, 1:18 AM
    • 495 Posts
    • 353 Thanks
    Marcon
    No I have to buy those in groats and shillings.
    Originally posted by JuicyJesus
    I buy mine in M&S.
    • HappyUser
    • By HappyUser 10th Jul 18, 9:36 PM
    • 72 Posts
    • 1 Thanks
    HappyUser
    Is there a credit card that provides protection for lower than 100?
    • masonic
    • By masonic 11th Jul 18, 8:28 AM
    • 9,823 Posts
    • 7,034 Thanks
    masonic
    Is there a credit card that provides protection for lower than 100?
    Originally posted by HappyUser
    All of them participate in the same chargeback scheme that's also offered for debit cards. My experience of claiming on this (on my Halifax Mastercard) was very positive.
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