Reclaiming Credit Card Charges

Reclaim Unfair Credit Card Charges »

Recently many people have been successfully reclaiming credit card charges. If you think that you have been unfairly charged for late or missed payments then you could begin the reclaiming process.

There are several steps you can take to start reclaiming credit card charges:

Ensure you have all your paperwork ready– you can reclaim for a period of up to six years (if you don’t have statements, you can request them for a small fee)
Contact your credit card company by writing a letter stating that you are reclaiming credit card charges that have been unfairly charged
After two weeks, if you haven’t received a satisfactory reply you should consider taking your complaint to the small claims court or the Financial Ombudsman

Remember, reclaiming credit card charges independently can mean you are liable for the court costs incurred. To avoid the hassle of doing the work yourself, we can put you in touch with Claims Financial, a company that will help you claim back unfair credit card charges by providing:

A No Win No Fee Service
Expert friendly advice
Handling your case from start to finish

Reclaim Unfair Credit Card Charges »

Select Top Credit Card Deals

Provider	Representative APR (Variable)	Purchases	Balance Transfer	Apply
AA Balance Transfer Credit Card	18.9%	0% for 3 months	0% for up to 41 months	Apply Now >
AA Balance Transfer Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% for 3 months on purchases 0% for up to 41 months on balance transfers, with 3.25% transfer fee No monthly or annual fee Must be aged 18 or over Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
Nationwide Select Credit Card (available to existing current account customers only) »	15.9%	0% for 12 months	0% for 12 months	Apply Now >
Nationwide Select Credit Card Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your representative APR will be 15.9% (variable). 0% on balance transfers for 12 months 0% on purchases for 12 months Unlimited cashback - 0.5% on all sterling purchases Fraud protection guarantee Must be 18 or older and a UK resident Nationwide Current Account holders only
Santander Everyday Credit Card	18.9%	0% for 30 months	0% for 30 months	Apply Now >
Santander Everyday Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% for 30 months on purchases 0% for 30 months on balance transfers, with 2.75% transfer fee No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over
Nationwide Credit Card (available to existing current account customers only) »	17.9%	0% for 12 months	0% for 12 months	Apply Now >
Nationwide Credit Card Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable). 0% balance transfer term of 12 months 0% on purchases for 12 months Fraud protection guarantee Manage card online Must be 18 or older Lived in the UK for the last 12 months No BT fee, transferring a balance is free in the first 90 days Nationwide Current Account holders only
Santander All in One Credit Card	21.7%	0% for 6 months	0% for 43 months	Apply Now >
Santander All in One Credit Card Representative Example: Representative 21.7% APR variable. Based on assumed borrowing of £1,200. 0% for 6 months on purchases 0% for 43 months on balance transfers, with 0% transfer fee 0.5% cashback on all purchases with no limit No monthly fee for 6 months on the All in One Credit Card if you have a 123 current account. Qualifying criteria applies Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers. £3 pm (£36 pa) Must be aged 18 or over
AA Low Rate Credit Card	5.85%	0% for 3 months	0% for 3 months	Apply Now >
AA Low Rate Credit Card Representative Example: Representative 5.85% APR variable. Based on assumed borrowing of £1,200. 0% for 3 months on purchases 0% for 3 months on balance transfers, with 0% transfer fee No annual fee Must be aged 18 or over Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
Natwest Reward Card »	23.7%	18.9%	18.9%	Apply Now >
NatWest Reward Card Representative Example: 23.7% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases and balance transfers 18.9% pa (variable) 18.9% pa (variable) for purchases and balance transfers 1% Reward in all Supermarkets (0.5% at their petrol stations) At least 1% at MyRewards retailers and 0.5% everywhere else you shop at home and abroad Refund of the annual fee if also have a Reward current account Must be 18 or older Must be a UK resident £24 annual fee
Santander Zero Credit Card	18.9%	18.9% pa	N/a	Apply Now >
Santander Zero Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee). No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over
Aqua Classic Credit Card »	35.9%	35.90%	N/A	Apply Now >
Aqua Classic Credit Card Representative 35.9% APR variable. Based on assumed borrowing of £1200. Aqua accept people with CCJs and with a low income No annual fee Flexible payment dates Annual credit limit between £100 - £1200
Natwest Clear Rate Platinum Card »	11.1%	6.90%	6.90%	Apply Now >
NatWest Clear Rate Platinum Card Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable) One low rate of 6.90% pa (variable) for balance transfers and purchases Manage your account online or with 24/7 telephone banking No balance transfer fees Must be 18 or older Must be a UK resident Balance transfers permitted up to 95% of credit limit only £24 annual fee
Royal Bank of Scotland Clear Rate Platinum Card »	11.1%	6.90%	6.90%	Apply Now >
Royal Bank of Scotland Clear Rate Platinum Card Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable) One low rate of 6.90% pa (variable) for balance transfers and purchases Manage your account online or with 24/7 telephone banking No balance transfer fees Must be 18 or older Must be a UK resident Balance transfers permitted up to 95% of credit limit only £24 annual fee

Fair Investment Company is independent and provides a selection of some of the leading credit card deals available. Our service does not compare or contrast all of the credit card deals currently available in the market.

* See Credit Card Provider Terms & Conditions

Latest Credit Card Deals

Provider	Representative APR (Variable)	Balance Transfer	Purchases	Apply
Santander All in One Credit Card	21.7%	0% for 43 months (no fee)	0% for 6 months	More Info >
Santander All in One Credit Card Representative Example: Representative 21.7% APR variable. Based on assumed borrowing of £1,200. 0% for 6 months on purchases 0% for 43 months on balance transfers, with 0% transfer fee 0.5% cashback on all purchases with no limit No monthly fee for 6 months on the All in One Credit Card if you have a 123 current account. Qualifying criteria applies Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers. £3 pm (£36 pa) Must be aged 18 or over
AA Balance Transfer Credit Card	18.9%	0% for up to 41 months (3.25% fee)	0% for 3 months	More Info >
AA Balance Transfer Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% for 3 months on purchases 0% for up to 41 months on balance transfers, with 3.25% transfer fee No monthly or annual fee Must be aged 18 or over Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
Post Office Balance Transfer Credit Card »	18.9%	0% for 37 months (2.49% fee)	0% for 3 months	More Info >
Post Office Balance Transfer Credit Card (Provided by Bank of Ireland UK) Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% on balance transfers for 37 months (2.49% fee) 0% on purchases for the first 3 months No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Santander Everyday Credit Card	18.9%	0% for 30 months (2.75% fee)	0% for 30 months	More Info >
Santander Everyday Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% for 30 months on purchases 0% for 30 months on balance transfers, with 2.75% transfer fee No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over
Post Office Platinum Credit Card »	17.8%	0% for 22 months (no fee)	0% for 3 months	More Info >
Post Office Platinum Credit Card (Provided by Bank of Ireland UK) Representative 17.8% APR variable. Based on assumed borrowing of £1,200. 0% on balance transfers for 22 months, with no fee No fees on purchases overseas No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
AA Dual Credit Card	18.9%	0% for up to 18 months (2.89% fee)	0% for up to 28 months £35 CASHBACK	More Info >
AA Dual Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. £35 Cashback when you spend £500 or more within 60 days of account opening 0% for either 28 or 22 months on purchases (depending on individual circumstances) 0% for either 18 or 14 months on balance transfers (depending on individual circumstances), with 2.89% transfer fee No monthly or annual fee Must be aged 18 or over Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
Post Office Matched Credit Card »	18.9%	0% for 16 months (2.98% fee)	0% for 27 months	More Info >
Post Office Matched Credit Card (Provided by Bank of Ireland UK) Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% on purchases for the first 27 months 0% on balance transfers for 16 months (2.98% fee) No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Transaction must be made with 3 months of account opening otherwise 0% purchase period reduced to 16 months Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Nationwide Credit Card (available to existing current account customers only) »	17.9%	0% for 12 Months	0% for 12 months	More Info >
Nationwide Credit Card Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable). 0% balance transfer term of 12 months 0% on purchases for 12 months Fraud protection guarantee Manage card online Must be 18 or older Lived in the UK for the last 12 months No BT fee, transferring a balance is free in the first 90 days Nationwide Current Account holders only
Yorkshire Bank Gold MasterCard »	18.9%	0% for 12 months 3% fee, min £3	0% for 26 months	More Info >
Yorkshire Bank Gold MasterCard Representative 18.9% APR variable. Based on assumed borrowing of £1200. 0% interest on purchases for 26 months from account opening 0% on balance transfers for 12 months from account opening Contactless card - for payments under £20 MasterCard Secure Code - for safer online shopping Must be aged 18 or over and resident in UK 0% interest period starts from the day you open your card account Credit limit subject to status
Clydesdale Bank Gold MasterCard »	18.9%	0% for 12 months 3% fee, min £3	0% for 26 months	More Info >
Clydesdale Bank Gold MasterCard Representative 18.9% APR variable. Based on assumed borrowing of £1200. 0% interest on purchases for 26 months from account opening 0% on balance transfers for 12 months from account opening Contactless card - for payments under £20 MasterCard Secure Code - for safer online shopping Must be aged 18 or over and resident in UK 0% interest period starts from the day you open your card account Credit limit subject to status
AA Low Rate Credit Card	5.85%	0% for 3 months (no fee)	0% for 3 months	More Info >
AA Low Rate Credit Card Representative Example: Representative 5.85% APR variable. Based on assumed borrowing of £1,200. 0% for 3 months on purchases 0% for 3 months on balance transfers, with 0% transfer fee No annual fee Must be aged 18 or over Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
Natwest Clear Rate Platinum Card »	11.1%	6.90%	6.90%	More Info >
NatWest Clear Rate Platinum Card Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable) One low rate of 6.90% pa (variable) for balance transfers and purchases Manage your account online or with 24/7 telephone banking No balance transfer fees Must be 18 or older Must be a UK resident Balance transfers permitted up to 95% of credit limit only £24 annual fee
Royal Bank of Scotland Clear Rate Platinum Card »	11.1%	6.90%	6.90%	More Info >
Royal Bank of Scotland Clear Rate Platinum Card Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable) One low rate of 6.90% pa (variable) for balance transfers and purchases Manage your account online or with 24/7 telephone banking No balance transfer fees Must be 18 or older Must be a UK resident Balance transfers permitted up to 95% of credit limit only £24 annual fee
Natwest Reward Card »	23.7%	18.9%	18.9%	More Info >
NatWest Reward Card Representative Example: 23.7% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases and balance transfers 18.9% pa (variable) 18.9% pa (variable) for purchases and balance transfers 1% Reward in all Supermarkets (0.5% at their petrol stations) At least 1% at MyRewards retailers and 0.5% everywhere else you shop at home and abroad Refund of the annual fee if also have a Reward current account Must be 18 or older Must be a UK resident £24 annual fee

* See Credit Card Provider Terms & Conditions

0% on Purchase Credit Card Deals

Provider	Representative APR (Variable)	Purchases	Balance Transfer	Apply
AA Dual Credit Card	18.9%	0% for up to 28 months £35 CASHBACK	0% for up to 18 months	More Info >
AA Dual Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. £35 Cashback when you spend £500 or more within 60 days of account opening 0% for either 28 or 22 months on purchases (depending on individual circumstances) 0% for either 18 or 14 months on balance transfers (depending on individual circumstances), with 2.89% transfer fee No monthly or annual fee Must be aged 18 or over Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
Santander Everyday Credit Card	18.9%	0% for 30 months	0% for 30 months	More Info >
Santander Everyday Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% for 30 months on purchases 0% for 30 months on balance transfers, with 2.75% transfer fee No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over
Post Office Matched Credit Card »	18.9%	0% for 27 months	0% for 16 months	More Info >
Post Office Matched Credit Card (Provided by Bank of Ireland UK) Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% on purchases for the first 27 months 0% on balance transfers for 16 months (2.98% fee) No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Transaction must be made with 3 months of account opening otherwise 0% purchase period reduced to 16 months Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Yorkshire Bank Gold MasterCard »	18.9%	0% for 26 months	0% for 12 months	More Info >
Yorkshire Bank Gold MasterCard Representative 18.9% APR variable. Based on assumed borrowing of £1200. 0% interest on purchases for 26 months from account opening 0% on balance transfers for 12 months from account opening Contactless card - for payments under £20 MasterCard Secure Code - for safer online shopping Must be aged 18 or over and resident in UK 0% interest period starts from the day you open your card account Credit limit subject to status
Clydesdale Bank Gold MasterCard »	18.9%	0% for 26 months	0% for 12 months	More Info >
Clydesdale Bank Gold MasterCard Representative 18.9% APR variable. Based on assumed borrowing of £1200. 0% interest on purchases for 26 months from account opening 0% on balance transfers for 12 months from account opening Contactless card - for payments under £20 MasterCard Secure Code - for safer online shopping Must be aged 18 or over and resident in UK 0% interest period starts from the day you open your card account Credit limit subject to status
Santander All in One Credit Card	21.7%	0% for 6 months	0% for 43 months	More Info >
Santander All in One Credit Card Representative Example: Representative 21.7% APR variable. Based on assumed borrowing of £1,200. 0% for 6 months on purchases 0% for 43 months on balance transfers, with 0% transfer fee 0.5% cashback on all purchases with no limit No monthly fee for 6 months on the All in One Credit Card if you have a 123 current account. Qualifying criteria applies Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers. £3 pm (£36 pa) Must be aged 18 or over
AA Balance Transfer Credit Card	18.9%	0% for 3 months	0% for up to 41 months	More Info >
AA Balance Transfer Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% for 3 months on purchases 0% for up to 41 months on balance transfers, with 3.25% transfer fee No monthly or annual fee Must be aged 18 or over Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
Post Office Balance Transfer Credit Card »	18.9%	0% for 3 months	0% for 37 months	More Info >
Post Office Balance Transfer Credit Card (Provided by Bank of Ireland UK) Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% on balance transfers for 37 months (2.49% fee) 0% on purchases for the first 3 months No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Post Office Platinum Credit Card »	17.8%	0% for 3 months	0% for 22 months	More Info >
Post Office Platinum Credit Card (Provided by Bank of Ireland UK) Representative 17.8% APR variable. Based on assumed borrowing of £1,200. 0% on balance transfers for 22 months, with no fee No fees on purchases overseas No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
AA Low Rate Credit Card	5.85%	0% for 3 months	0% for 3 months	More Info >
AA Low Rate Credit Card Representative Example: Representative 5.85% APR variable. Based on assumed borrowing of £1,200. 0% for 3 months on purchases 0% for 3 months on balance transfers, with 0% transfer fee No annual fee Must be aged 18 or over Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
Natwest Clear Rate Platinum Card »	11.1%	6.90%	6.90%	More Info >
NatWest Clear Rate Platinum Card Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable) One low rate of 6.90% pa (variable) for balance transfers and purchases Manage your account online or with 24/7 telephone banking No balance transfer fees Must be 18 or older Must be a UK resident Balance transfers permitted up to 95% of credit limit only £24 annual fee
Royal Bank of Scotland Clear Rate Platinum Card »	11.1%	6.90%	6.90%	More Info >
Royal Bank of Scotland Clear Rate Platinum Card Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable) One low rate of 6.90% pa (variable) for balance transfers and purchases Manage your account online or with 24/7 telephone banking No balance transfer fees Must be 18 or older Must be a UK resident Balance transfers permitted up to 95% of credit limit only £24 annual fee
Natwest Reward Card »	23.7%	18.9%	18.9%	More Info >
NatWest Reward Card Representative Example: 23.7% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases and balance transfers 18.9% pa (variable) 18.9% pa (variable) for purchases and balance transfers 1% Reward in all Supermarkets (0.5% at their petrol stations) At least 1% at MyRewards retailers and 0.5% everywhere else you shop at home and abroad Refund of the annual fee if also have a Reward current account Must be 18 or older Must be a UK resident £24 annual fee
Santander Zero Credit Card	18.9%	18.9% pa	N/a	More Info >
Santander Zero Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee). No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over

* See Credit Card Provider Terms & Conditions

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