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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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How does an interest free period actually work?
Apologies if this is a simple question but I haven't had a credit card for a long long time. I've applied for a card with "15 months interest free" on spending. Does this mean I can spend up to the credit limit over 15months, save the cash to get interest and then pay it off? I was hoping so but I might be making a big…
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new DD
hi all can anyone advise ive currently got a card with 2500 on 0% min payment something £27 so ive been paying the straight £30 this is with virgin so to save me sending payment every month ive set a DD for the £30 email confirmed all setup from virgin, question is the dd payment is taken 1 day before due date, is that…
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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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JaJa & ASDA Money
Hi All, I've got a ASDA Money credit card with a small limit of £500. I put all my spending (Inc Asda petrol) through the card to accumulate generous cashback but I find myself having to pay it off twice, sometimes three times a month. I called them yesterday and they said that JaJa are not offering any increases at the…
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MBNA Switch from Mastercard to Visa
I have an email from Lloyds telling me my MBNA card will be switched from Mastercard to Visa in the coming months. One of my reasons for having the MBNA card was the fact it is Mastercard, where all my other cards are visa. Having all eggs in one basket can be a risk, even if small. Also this used to be an affinity card,…
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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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£10 mastercard reward from Money Super Market fraud
I received a money supermarket reward for £10, which I converted to a Mastercard prepaid card, which is showing in Great British pounds as £10 available. I added it to Google wallet. Every time I try and spend it on multiple sites, including Marks and Spencer's online, for the exact amount of £10, it is constantly…
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Mastercard users may be eligible for up to £70
https://www.bbc.co.uk/news/articles/c14kkjyrk20o am I reading this right ? Claim form here https://mastercardconsumerclaim.co.uk/ (Not live yet but soon will be) You could be eligible for up to £70 from the Mastercard settlement - even if you never used the provider Millions of Britons could receive up to £70 each…
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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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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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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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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…
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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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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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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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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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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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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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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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