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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…
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M&S Credit card rejected with excellent credit
I’ve just been rejected for an M&S credit card even though I have an excellent credit score low debts and pass all pointers so must be M&S algorithm think I’m not worthy..? I pass all of the “How to get a good credit score” etc and my ClearScore account shows I have no issues. completely perplexed at being refused ? would…
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Amex preferred rewards gold - new cardholder eligibility
My OH has an Amex Rewards Credit Card (blue one) and has had it for some years, after he downgraded from Gold a few years back. Several days ago he received an invitation via online banking to apply for a Gold Card with some extra bonuses. Based on the Amex website, I deduce that he won't be treated as a "new customer" and…
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Lloyds credit card is unusable due to overzealous security algorithm
I am fortunate in that I have never been out of work or had any financial problems, and have an excellent credit history. That is not good enough for Lloyds whose automated security algorithms have twice stopped me from buying something with my Lloyds so-called 'Ultra' credit card, and then blocked the card. This is…
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Unable to log into Nat West (ex Sainsbury's) credit card
i had been able to log into the account since since the switch, including this week to pay but this morning am getting this error, anyone else having issues? Have deleted and reinstalled app for no joy Thanks
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NatWest £30 cashback
I've a NatWest 0% interest purchases card. The 0% expires next month, and I'm going to pay it off before then. I've just had an offer of £30 Cashback if I spend £600 - £300 per month, in the next two months. It looks like a targeted offer, but worth watching out for in the app.
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Barclaycard ‘Scam’ - not taking full amounts by Direct Debit
I have a Barclaycard and have set a Direct Debit to pay the statement amount in full every month. For the last three months, I’ve been getting texts, just before the payments are due, stating ‘We’re taking xxx.xx amount as a direct debit. Please note this does not cover the full statement amount’ is this a scam - just to…
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Barclaycard PD question
Hi all, newbie here, looking for some advice. I am paying the minimum monthly payment off my Barclaycard each month via DD. They contacted me to say that I am in a Persistent Debt situation and it will take 35 years to pay off the £8166 by just paying this amount each month. The suggested amount to pay it off in 3 years…
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Seconds Card - Yes or No?
I took out a Credit Card about 6 months ago. I've never had a balance of more than about 10% of my credit limit. What would be the pros and cons of a second card? What would the extra credit limit do to my credit rating?
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M & S reward credit card
We have had a m & s credit card for some years. (and 2 others- all low limits - our choice because we use them for shopping and pay in full) I see that now there is one that comes with 36 coffees a year! I checked soft eligibility and it said "approved" by m& s, tesco and others. Then it showed "not approved by the same…
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Barclaycard Online Servicing now closed
Did have a search - didn't see any mention of this in the last two weeks……..went to print off latest statement from the PC Online servicing portal - and basically now shut……use the app…..
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Credit Card Account Activity After Closing
Hi, I had a Creation credit card which was closed over a year ago. I was surprised to receive a statement this morning showing a credit in June and a debit for the same amount a week later. I have contacted Creation who advised it was an internal error as someone had applied the credit internally. Can they do this when the…
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BT lack of offers
Are credit files ( hard searches) checked when offering BT? I've opened 3 CC of late for 0% purchases (M&S, Lloyds & RBS) all now maxed out, but now my BT offers have dried up (Natwest, HSBC & Barclays) where before I has having them every month.
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Switching from Smile cc to Coop members cc
I've had a Smile cc for many years but when I switched my Smile current a/c to elsewhere to get a switch bonus I became no longer entitled to cashback with the cc and no new Smile current a/c can be opened anymore. So I want to switch to a Co-op members cc operated by Coop bank where I have a current a/c already. This will…
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New Santander 3% cashback card
Santander have launched a new credit card, paying up to 3% cashback, with no f/x or annual fees. Details at https://www.santander.co.uk/personal/credit-cards/santander-rewards-credit-card
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Vanquis Credit Card Fraud - Issues resolving
Wanting some advice please Daughter has a Vanquis credit card. Overnight on 12th May there were 12 transactions all for slightly different amounts amounting to over £600 debited against her card and all of which were to Vinted. She does have a vinted account but the card is not linked to that account and she only makes…
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Which address should I use on Credit Club?
Hi everyone, So MSE's credit score checker here seems to have pretty limited options to select in terms of addresses and living situations. I am a student and have been renting a student property (sharing with others) for a year with another year or so to go until I move back home. We're all jointly responsible for the…
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PRA Group pursuing mystery debt
I've just received a letter, claiming to be from Bank of Scotland, telling me that they have sold my credit card account to PRA Group. Now, I do have a Bank of Scotland credit card but I haven't used it for years and it should have a zero balance. The letter says I have an outstanding debt of £23,057.65. For a start, the…
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Card Renewal Refused - Annual Fee Refund?
Today I received an email from Virgin Money telling me that my Virgin Atlantic+ card is due to expire soon and that they won't be issuing me a new one (no idea why because my credit score is excellent and I've never missed a payment or gone over my limit or anything). But my real gripe is that I paid £160 annual fee in May…
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Natwest: how to freeze a card when both the card and phone are lost
I'm with NatWest, and I tend to keep my card with my phone inside a case. If my phone got nicked, I'll need to freeze my card pronto. It used to be that I could login to online banking to do that, but now that is impossible because I have to first confirm my identity in the phone app. This seems rather stupid. Instead of…
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2 x Visa cards, £6,788 debt
I have two Visa credit cards with debt totalling £6,788. The first is a Halifax Visa Credit, on which I owe £3209.14. It has Purchase, Cash and Balance Transfer rates of 23.84%. I have one monthly subscription on it that costs less than a tenner but I do try and use this cards for occasional work train fares (less than…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.5K comments
Most recent: Anyone else getting less offe… by Jemma01
18 July at 9:02PM
