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Credit cards

A place to discuss all things credit card-related with other MoneySavers.

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…
Chase launches new credit card with spending perks – but is it worth getting?
Chase has launched its first ever credit card offering 15 months at 0% on spending, as well as being fee free to use overseas. However, it's only available to customers with its current account. So is it worth getting? Our analysis shows it can be beaten – here's what you need to know: Chase launches new credit card with…
What to do when the fraud squad sides with the fraudster? [Amex]
As per some previous threads on here... Someone got access to my account, used it, I contacted Amex & got the money back. FFWD some weeks/couple month (I forget the duration) and it happened again. Turned out to be a subscription - so 2 payments before I noticed. Raised this with Amex, told me to contact their fraud dept,…
Barclaycard Rewards Card CPAs
The dental practice that I use has introduced new computer software. Previously, monthly subscriptions were taken by Direct Debit. The new software does not support that. They can now collect monthly subscriptions only via credit or debit card Continuous Payment Authorities (CPAs). They wanted me to set up a CPA up over…
Son used my credit card without permission, even after card replaced
This discussion was created from comments split from: Has anyone ever made an unaffordable lending claim?.
Halifax Credit Card - Interest Charges
Ok, help me with this question! I have several credit cards, barely used and if they are they are paid in full when the statement is issued so I do not pay interest. It was my understanding that: You buy something You get a statement showing your purchases weeks / days later You pay in full before the due date You don’t…
Can we have a credit card on a joint account?
My partner and I have a joint bank account for household bills and each have a personal account with the same bank - Nationwide. We each have a credit card for our personal accounts. Sometimes we want to buy stuff for the household on a credit card and my partner usually uses his card but it would be more convenient if we…
0% interest rate - Minimum Payment
Hello! I'm very new to the world of credit cards and am exploring a 0% interest rate card for large payment soon. I am getting my head around the minimum payment rules and have been confused by some. There is a barclaycard one that I am eligible for which states: "always pay at least the monthly minimum repayment (1% of…
HSBC Caffe Nero offer
I got an email just now: "Make your everyday spend pay Turn everyday credit card spending into Caffè Nero drinks All you have to do is use your credit card 5 times a month – from 1 April 2025 to 30 June 2025. Each time you make 5 transactions you’ll get a handcrafted hot or cold drink at Caffè Nero. And you can get up to 3…
Festival Cancelled – CC Refund Claims Being Rejected
I purchased a ticket for a music festival in Nov 2024, to be held Jun 2025, but it was cancelled circa 1 month prior to the event. (It seems that it was due to financial viability as the organiser cancelled several festivals, but their company status is still “Active” at CH.) I paid with my Mastercard and bought the ticket…
Argos store card repayment plan
I couldn’t find a topic category for store cards so chose credit cards. Hope that’s ok! I have an Argos store card and have been struggling to bring my balance down because the interest is so high each month. I called them in February and arranged a repayment plan for 6 months which freezes the interest and allows me to…
Late payment
I checked multiple times and my Lloyds credit card statement definitely says . "We'll take your Direct Debit of £3.58 from your bank account on 30/06/25." Payment due to reach account by 30/06/25. It wasn't taken. On the afternoon of the 30th I paid it manually from the current account. It's dated 30/06 on credit card…
Virgin Atlantic Rewards Card
Some friends were raving about this card saying that they put all their spending through it and get free flights and holidays etc. Also it looks like you can use points to get flight upgrades to higher classes of seat. Does anyone have experience that can back this up? I was looking on the web site and it looks like it…
Barclaycard - 0% Balance transfer offer - with Avios
Barclaycard has a very interesting offer this month – a balance transfer offer with Avios. It’s not something I’d consider atm, but if someone is looking to transfer their balance, they can get Avios for their transfer. Barclaycard Avios 1 Avios for every £1 you transfer Barclaycard Avios Plus 1.5 Avios for every £1 you…
Hitting Amex 3k spend
Hi took out a amex gold rewards card for the reward points as I am going on holiday this year and thought I would easily hit the spending in 3 months. However as I found out some of holiday expenses won't accept amex like certain hotels. What other ways are there to manufacture spend.? I have already looked at utility…
Got turned down for credit card
Hi I dont have a credit card at the moment and applied for a Barclaycard which I got turned down for. i have a Barclays Bank account which is in good order, I’ve not had any overdrafts, debts, CCJs, poorly managed loans or anything else I can think of that might consider me a bad risk. I’ve had credit cards, loans and…
Credit card application
Hi, I've just been on the MSE website to check my Halifax credit card is still a good option to use abroad. I see it charges nearly 3% above the exchange rate, so I checked my eligibility for Barclaycard, as recommended by MSE. I have just retired. If I put my income from employment as £0 and my pension amount in other…
Sustainability for Smartphones
The EU Sustainability Regulation (EU 2023/1670 for Smartphones, Tablets & other mobile phones) should be coming into force about now. This regulation applies to all ‘new’ products (in the above categories) released in the EU. It mandates that these devices should be properly supported for 7 years from the last date of sale…
Using Barclaycard Reward Credit Card cash withdrawal to transfer money to current account
Hi, Can I withdraw GBP cash using my Barclaycard Reward credit card at an ATM and then deposit that cash into my current account, using it like a money transfer? Are there any fees or interest I should be aware of? Thanks
Unidentified Credit Card Charges
nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. Is Nationwide obliged by its terms and conditions to identify…
Warning: MBNA 0% for 22 Months credit card.
This was entirely my fault, but in case anyone else sometimes fails to read the small-print then the 22 month interest free offer from MBNA is not entirley what it seems. So when you see the following.... ...you may (fairly reasonably) expect to be able to make purchases on the card for 22 months @ 0% interest. But that's…

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MSE News

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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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