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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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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…
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Dangers of BNPL
There is an article in yesterday's NY Times about the dangers of Buy Now Pay later. I know it is based on the American financial system but I am sure some of the tactics used by the BNPL companies will be universal. The comments are interesting, especially those ones where the article's author has replied to the comment. I…
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Booking. com Holiday accomodation and host issues with a twist
My situation is as follows My Holiday Accomodation in Portugal was booked via Booking.com in good faith and paid for in advance, arrangements were made for a late arrival between 2359 - 0100. This was due to the flight arrival time and also factoring in the collection of hire car and then driving the journey to the…
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Length of Residency
I have LPA for my 92 yr parent. They have been resident in UK 2yrs : previously in France. Permanently resident in UK now but always maintained UK bank account. My issue is I would like to transfer her ( UK) credit card to 0% but we seem to fall at the hurdle of address in UK less than 3 years. Anyone know of any out…
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Sainsbury's to Natwest transfer
My Sainsbury's Bank credit card is moving to Natwest. The Natwest website says that I should have been invited to register for online banking during September (whether by email or letter). I have received no such invite. Do I need to speak with Sainsbury's or Natwest at this point? The Sainsbury's app now appears to be…
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Dead authorised regular payments
This month I was surprised to see an unexplained PayPal
payment to Patreon for £3.60. After some
effort I found it was the result of an innocent mistake. During the pandemic we paid a monthly subscription to Byline
TV. When Byline TV stopped, they ceased
taking payments. However, when they
restarted recently, they…
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When is best to apply for a cashback credit card
Hi all, I currently have 3 credit cards ( a balance transfer card and 2 other normal cards) which are paid off in full every month. My credit score has incredibly significantly compared to what it was and I'm.now at the point where I'm thinking of getting a cashback credit card but didn't want all these cards active so I…
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Not received all goods from a what seems to be a fake clothing website, Amex refusing to pay me bac
Hi I ordered £495 worth of clothes from a website I clicked on from Facebook and I am usually careful but got caught out for the first and last time hopefully! I explained to American Express what happened and I had to send evidence, so I sent the order and pictures of the website now closed down and giving security…
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M&S Bank Rewards Credit Card Vouchers
Hello, I signed up for M&S Bank Rewards Credit Card and didn’t expect to receive the rewards so quickly. If you cancel within 14-days, do they cancel the vouchers? If yes, I may just pay for one month at £10. Thanks in advance.
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Paying off Skoda VMFS finance agreement with Lloyds Ultra credit card
So I've got a PCP with Skoda VMFS and I'd like to pay it off with Lloyds Ultra credit card and I have two questions. 1. Will I get the 1% cashback? Have any of you tried it? Most probably not but I want to double check if any of you have tried and had the luck. 2. Will I be charged for it? It does say free cash withdrawals…
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Lloyds Ultra Credit Card
Just seen that Lloyds have released a new Cashback CC with both no FX and 0.25% cashback. https://www.lloydsbank.com/credit-cards/ultra.html What are people's thoughts in comparison to the Barclaycard Rewards offering that is so often discussed around here?
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Prepaid Visa/MasterCard "Gift Cards" from shops/supermarkets - does anyone still sell them?
These used to be for sale in most supermarkets and places like WHSmith, Boots and Argos alongside the normal gift cards, usually in £25 and £50 denominations (although Morrisons had £100 ones), but I haven't seen any for a while. Does anyone know of any shops still selling them? Just to pre-empt the obvious comments - I am…
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Complaint-worthy? Overdraft vs. Credit Card
Am I right to feel miffed by Barclays that I am considered ineligible for a £500 interest free overdraft with my Barclays Premier account, and yet in the same month receive from them a proactive offer to increase the credit limit on my Barclaycard from 3.5k to 5.5k? Seems nonsensical to me that I am denied a fee free…
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Clearpay/Credit card company
Good morning, I ordered an expensive watch (expensive for me anyway) The company says I would receive within 4 days and any delays they would keep me informed. Well, it's been over 2 weeks now and no communication. They have not responded to emails I've sent. I bought the item using Clearpay (this in turn gets paid off by…
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Offer with Halifax
Is it possible someone could help me out with some maths please I’m shocking lol I currently have this offer available It’s also the same offer for money transfer I have £1000 left to pay on my closed Zable card that doesn’t except balance transfers currently paying £65 a month so my thinking is do the money transfer pay…
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Flexiloan balance transfer
Hi I have several credit cards I want to balance transfer to a 0% credit card. I also have a flexiloan with HSBC which I was hoping to transfer to a credit card as well. Does anyone know if a 0% balance transfer credit card deal who will transfer the flexiloan as well?? Thanks
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Cannot add credit card to Apple Pay
I have been told by Halifax Clarity that they will not allow my credit card to be added to Apple Pay because my IMEI of a phone I bought brand new has apparently been associated with fraud Having first wrongly claimed it was Mastercard who kept the data base they now refuse to tell me who has misinformed them and sent a…
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Student loan and credit card balance transfer
Hi, I'm on have a student loan on plan 1 and as at today owe £6820.07. I borrowed 4k in 1999 and I'm making very slow progress paying it off. I've considered paying it off with my Halifax credit card, then doing a balance transfer to my new HSBC 0% for 31 months credit card. Take the £200 ish fee and get the lot paid off…
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Sainsburys to Natwest credit card migration
Hi please help! my credit card was with Sainsburys, i’ve had no correspondence whatsoever to say it’s migrated to Natwest. I’ve tried 3 telephone numbers to apeak to a person. All cut off when transferring me. My credit card bill is due on the 10/10. My Sainsburys app is no longer working. Does any one have any info on…
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Moved: Consolidation
This discussion has been moved.
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Sainsburys to Natwest woes & troubles
Hi thought I would try and collate any issues others have had with this transfer, I am currently on hold to Natwest (25 min wait so far) to complain. So Oct 3rd, changeover day starts and I can't access my Sainsbury app anymore and also can't access the Natwest one until Oct 7th. Well that's fine if the card still…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.3K comments
Most recent: Lloyds 0% overdraft by pecunianonolet
29 September at 8:42PM
