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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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Paying credit cards off with a debit card
I've received recent notifications from my Barclaycard and M&S credit cards they'll no lokge accept payment by debit card. Is there anything going on behind the scenes anyone knows about?
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Prepaid cards for a charity [Merged]
Hi For years our charity has been using two Equals prepaid cards to purchase stuff abroad. We used Equals because they waived the fees for charities. Today they have ceased the waiver and will charge £25 per month. So please advise me on an alternative company which can provide two prepaid cards without such a huge fee. A…
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Credit card refund on closed account - help!
I'm hoping someone can help me as I'm coming up against a brick wall. To cut a long story short: I booked a villa through Expedia for later this year. It has been cancelled by Expedia as there has been an apparent breakdown in communication between them villa owners. Full refund issued. The problem that I have, is that I…
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Barclaycard Balance not adding up correctly on app
A strange one this. I still use Microsoft Money for my accounting, so I can get an up-to-date view of my finances. All has been balancing fine against the official log on the site for years now, but I have noticed a difference of £34.62 for a couple of weeks now. This just happens to be exactly the same amount as a…
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1% minimum repayment credit cards
Hi all, just wondering if anyone knows a quick way to identify 1% of monthly balance repayment cards? It’s quite hard to find which ones are. Unless I’m missing something, it seems that you have to get quite the way through an application before you can find it-and it’s always in the small print. Anyone know of a quicker…
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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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Credit card and debit card for travelling
hi I’m not a terribly experienced traveller and was wondering - is it best to just have a debit card (I have a starling card) or a debit card and credit card (which I would have to apply for) to travel with? Thank you.
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American Express (Amex) Preferred Rewards Gold
In the blurb about the benefits of this card it says that the £5k doesn't have to a cash spend but could be a balance transfer. Where does it say this in the Ts&Cs and also does a balance transfer not incure a fee of 3% which eats into the benefits?
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AMEX Eligibility - Cashback Everyday Credit Card
I've been thinking for a while that an AMEX card would be useful and we need to pay for our new sofa soon so I thought the introductory offer (5% cashback) would be helpful. I used the AMEX eligibility checker and it indicated a negative response. I think because the salary I entered was too low compared to the AMEX…
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NatWest 0% Balance Transfer Incentive and HooYu Video Identification Process.
Martin's recent headline is: New! NatWest 33-month 0% debt shift FOR ANYONE. I imagine thouands of people will be applying, but no one realises what's in store for them. I just applied, got accepted by NatWest and then was asked to follow a process of identification by a company called HooYu. They wanted to take a video of…
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Money transfer from existing credit card account
First off, I’m in the lucky position of not needing to do this, as I have savings. And I fully understand the argument/question of “why bother then”? But I have expenditure coming up and am one of those who likes the ‘comfort’ of a cash balance. However, with that out if the way - does anyone know if I were to accept a…
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Can we do this to switch to Amex Nectar and still get the new customer bonus?
Hey all, We've been using an Amex card for our standard spending for years (paying in full each month of course), and have noticed the cashback rate getting worse and worse as time goes on. Meanwhile we've just spotted the Amex Nectar card with its 20,000 point bonus for new customers and, as we do our grocery shop at…
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Natwest reward card interest charge
Interested to know if anyone else are having the same issue as me with their Natwest credit card(reward card), we have used this card for many years with no issue, it is set up with a D/D monthly of full amount therefore no charges, but in the last two months we have been charged over £400 'interest' for no apparent…
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Fast delivery for replacement Credit Card
Hi All I have recently had the need to replace a Credit Card, the fastest delivery the company can offer is 5-7 days by Royal Mail 2nd Class! Hence I'm looking for a Credit Card that can offer 2-3 days guaranteed replacement delivery. Thank you
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is 0% balance transfer cheaper than my current daily card?
I have a Cap 1 card with the following rates: Purchases interest is 30.34%, Cash withdrawals is 30.34%, Balance transfers is 30.34% Of course I'm aware it's a crap rate and I'm trying to improve my rating. If I do a balance transfer on a 0% transfer card, will my payments be cheaper? so that would mean instead of paying…
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Section 75 claim advise
Hello, Have timeline as below. I feel like the bank is going around in circles and putting the onus on me to reach a resolution. In brief sofa's delivered May 25 purchased from high street furniture store. Reported a fault by email and personal visit same day. That began a long process with no help from trader so made…
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A company called Newday started a direct debit for £0, not sure why.
Hey everyone, Like the title says; a company called Newday has started a direct debit for £0.on my father's Barclays account. He received a text message and email from Barlcays which I then confirmed by looking at the direct debit on the banking app. The company seems to handle credit for businesses so I'm guessing it has…
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Purchase Cards
I have two new credit cards for purchases, an M&S (about 12m) plus Lloyds (about 22m). I am just about to max them both out. Would I be right in thinking once I make the min payment for each of those cards I can then spend again on them to the limit and basically keep them maxed out till the interest free period ends? I…
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Additional cardholder unable to make purchases with Barclaycard due to online verification
It's bonkers. My other half is the main cardholder. In order to make an online purchase I need to either receive a code by text (OH mobile number, they can only have 1 mobile number for verification texts) or in the Barclaycard app (only main cardholders can log in so as an additional cardholder I can't use this). Going to…
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How long does it take to get a refund?
I used my Visa card to buy some goods from Asda on Saturday afternoon, 3:05pm total £75. I returned one item as it was priced wrong on the shelf. Returned £11 at 3:10pm. I have both receipts for the purchase and return. Both receipts say "payment approved", "Refund approved". On the same credit card number. Only the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
