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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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Time for Virgin to Complete a Section 75 Claim
Hello all This issue has been dragging on since early March and I feel that Virgin Money are purposefully dragging their heels on a Section 75 Claim. What are other people's experience with them? I submitted all the documentation, around 100 pages against a company that were to produce some windows for me. The was around…
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The co-operative bank Membership Cashback Credit Card
I never see it mentioned but if someone has a co-op membership they are eligible to join the cashback credit card with no fees. I thought that this may come in handy alongside the existing Santander Edge Credit Card and Barclaycard Reward Card in getting cashback for those that will lose the Chase 1% cashback on purchases…
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Barclaycard CSV exports
In anticipation of the closure of the Barclaycard Online Servicing web facility on 19th August, I decided to investigate the current Barclaycard facilities in Barclays Online Banking. As a long-time user of the CSV export facility of transactions, I tried the facility on the Barclays site. Not only are the columns in a…
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Expedia and Hotels.com currency issues
Just bought some accommodation in the USA through Expedia and Hotels.com (separately). They quote the price (and its breakdown) in GBP and it shows as GBP at the checkout. When I pay, the debit to my card shows in USD for which I get charged a forex fee. As I do have a fee-free card, I would have of course have used that…
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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 with low limit to use a secondary card
I'm looking for a credit card to use as a secondary card when I'm buying things online from a company/organisation I have not heard of I'm reluctant to give details of my normally used credit card and I want to set a low limit such as £200 so if anything goes wrong the damage is limited. One example is a roku streaming…
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Getting a credit card in retirement
Hi, We have a number of credit cards, but all are in my name with my wife as an additional cardholder. If I predecease her, she will be left with no access to a credit card. Any advice on how to get a card in her name? She has decades of history as an additional card holder. Her current pension income is only £5k as we are…
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First Direct credit card *targetted* 5% cashback offer
Received an email from FD a day or so ago with the subject line "[Groat Counter], fancy 5% cashback?". I almost dismissed this as I initially (and wrongly) assumed this would be retailer specific cashback offer - but it's not that. It is however a targetted offer, plus it also requires a proactive opt-in by…
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I thought that if I paid off my shopping, with in a week I would not pay interest
I have a credit card that I took out a £2000 transfer to my bank account at an interest rate of 4.9% and I pay the monthly minimum plus £100 on top. I go shopping and put it on my credit card and settle the shopping bill on my credit card with in 3-7 days at most. I understand the the 4.9% rate but for the shopping I do,…
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Fees when paying by cc
Is it legal, when paying by cc, for the agent to charge a fee where they state it's for Merchant acquiring fees, payment gateway fee, Specific service charges and VAT and will be between £33.54 and £69.09.
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0% credit cards
Hi I am buying a couple of high value items in the order of few thousand pounds and came across zero percent credit cards; applied for the Natwest card and within mins email from bank saying new shiny card on the way, btw I am premium Natwest customer so would have been v disappointed if was declined, I have no issue with…
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Credit Card in Credit
Are all Credit Card companies happy if you have your Credit Card in credit? I spend a couple of months overseas in the winter, and for a long time I have added around £1000 onto my Halifax Clarity Card, and use that when purchasing goods, supermarket shopping etc. without any problems. I have became very dissatisfied with…
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Uni student having difficulty opening a starter credit card
Second year Uni student has been refused a starter credit card from their bank, Nationwide because they currently only have sporadic part time work. They have tried for another card but have also been refused. They are on the electoral role. Will they need to have a more permanent part time job before they can begin to…
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Keep old AMEX open or close it down?
I just applied for and was accepted for an AMEX Gold card. I have an AMEX BA card which I have had since 2017. It's actually currently my oldest running card. But as I rarely fly BA / use Avios anymore, I have no need for it. My question is should I keep the BA Amex open just for the tenure of the card. Or just close it…
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Flight refund on credit card after job loss
Hi, My wife and I were due to fly to Corsica on 28th June with easy jet and Air Corsica. I have just lost my job and was wondering if i can claim the flight costs back on our credit card?
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Merchant name on statement
I recently bought new glasses from Vision Express in-store at Tesco. Everything was fine until I checked my American Express statement. The two transactions I expected had gone through but the Merchant name was a Drama group that I know to be located about a mile up the road, no reference to Vision Express. I contacted…
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Section 75 Help - Fraudulent item
I bought a Tag Heuer watch as a gift in 2023 it was still under the original warranty and was bought from an online watch shop. It came with all warranty documents, all the tags, stickers the works. The warranty also was registered with tag confirmed on their now defunct (because it was worthless) warranty checker. It was…
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Existing Customer Transfer Offers
What Money or Balance transfer offers are existing customers getting and where from? I’m especially interested in the percentage fee. For example Lloyds are currently offering me 24m BT with 3% fee.
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BARCLAYCARD MONEY TRANSFER OFFERS DRYING UP?
Husband has had a Barclaycard for many years (with me as an additional cardholder) and we use it for most of our spending and normally pay it off IN FULL 😄every month. Whenever he logged in there were offers for 0% balance transfers and money transfers. Last year we were buying a house and he also needed some expensive…
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Using HSBC Credit Card
I've just received an HSBC Credit Card, however the paperwork says nothing about the 3 year transfer at 0% mentioned on the newsletter, the main reason I applied, only an expensive 24.9%. It seems like a standard piece of paper though. Has anyone explicitly received the 0% rate? Second question is, can the card be managed…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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