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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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Duped?
I'm completely new to this. I recently checked my eligibility for a transfer to a new 0% deal on the MSE site. Santander was top of the list and it indicated 100% likelihood of acceptance. I applied, indicating how much I needed to transfer and the details of the relevant card. I was accepted and it wasn't until I logged…
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Not quite understanding the Barclaycard Rewards C/C
I opened one of these as we were going abroad in August. Spent on it while away & had the D/D setup to take payment in full because as I understand it there's no 0% on purchases & I didn't want to be charged interest. Since then direct debits have been taken but they never clear the balance. I seemingly continue to earn…
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0% balance transfers with HSBC pre approved but they still need to decide if accept my application?
I suppose i have two questions. Firstly, I was apparently pre approved using a comparison site, yet when I was taken to HSBC and filled in my details, it said it would be in touch if I'm accepted. I thought the whole point of having a comparison site to do a soft credit check means that I dont have to risk a hard credit…
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Credit Cards - Fees on Gift Cards
For the second time I have been charged a cash transaction fee on a Caffe Nero gift card. The first time the card company and vendor blamed each other so I decided to use a different card this time - with the same result. I called MBNA to query it - expecting them to blame Caffe Nero - but instead the representative…
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Sainsbury’s credit card transfer to NatWest
I have a Sainsbury’s credit card and have received various communications regarding the transfer to NatWest - I’ve received security info and activation codes from NatWest - l have registered for the app - I’ve had confirmation that my details have now transferred to NatWest but when logging in to the app the message says…
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Argos store card
I have recently received a letter from Argos store card stating that as from January 2026 my account will be closed and any outstanding balance will be wiped off and my account shown as settled. This is due to Argos financial services not managing Argos cards. Does anyone know if this is true as in effect the letter is…
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Pre-approved vs Application?
I recently applied for a credit card and got declined and have a few questions regarding the process. So i was 100% pre-approved for this credit card on all 3 credit reference agencies (using TotallyMoney, Credit Karma, Clearscore, Credibility and Experian). I even checked the credit card website eligibility checker and…
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Buying a "new" Car...CC advice please
Originally, I was simply going to use savings and pay off instantly. However, I am thinking of getting a 0% interest CC, and paying it off monthly? Would I get accepted for £7000, income of £85k? I have all the money in place but I also wonder if there are any CC that give a little cashback alongside 0% - if anyone has any…
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New to Airline Reward Points
We're going to start saving points, probably towards upgrading flights to Australia in a few years. We plan to a get the Amex Gold for a year to start us off and then review the perks against second year fee to see if we keep that. We also plan to get the Avios Barclaycard to use where Amex isn't accepted. Looking at MSE…
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Section 75 Claim to Tesco Credit Card
Following Tesco Bank’s failure to address my section 75 claim against NowTV I made a DSAR to Tesco Bank. I’ve had no response from the ICO regarding Tesco’s not dealing with my claim. Any advice or what I can do next? I really don’t want to go through the courts as I don’t have the time or the patience to travel to sort…
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Mattress Purchase On CC.
Bought a new mattress using my credit card but through klarna, I’ve had problems with the mattress which they replaced but the second one is having the exact same problem again but they are not offering to do anything else going forward despite the mattress having a 5 year warranty, I’ve called my credit card company and…
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Curve
Lloyds is buying Curve. HFP says it's the end of Curve https://www.headforpoints.com/2025/07/13/lloyds-bank-in-talks-to-buy-curve/ .
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Santander Zéro unexpected charges
I've had my Zero card for years and never incurred any charges. On my last 2 statements there are Quasi cash interest charges. I can find no explanation for this on Santander's site. Any ideas?
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Should I keep my Credit Cards open?
Hi there, hoping for some advice please. After years of credit card debt, I finally paid them all off this year - woohoo! :* I currently have several credit card accounts open as a result of multiple balance transfers throughout the year, but my balance is £0. My total credit limit is £42,100 spread across seven cards. All…
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Barclaycard Reward card foreign transaction refund different to original payment (not exchange rate)
A hotel in Australia charged my account with $800.19 and then refunded it 4 days later with $800.19. However the Sterling amount came out at £399.43 and £393.31 respectively meaning I lost £6.12. Why is this? It can't be down to exchange rate by that much in 4 days and Barclaycard rewards say no foreign transaction…
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Barclaycard Rewards
Just received email from Barclaycard We’re relaunching our Barclaycard Cashback Rewards service in the app and changing the name to Barclays Cashback Rewards. Keep an eye on your inbox for more news and updates soon. Wonder what other changes are in the pipeline beyond the name change ?
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Cancelled a service paid by credit card but refund offered to my current account (what protection)
I'll try to make a long story short.. I contacted a very small company just over two weeks ago who provide a service as their product. Their service costs £600 initially and later another £400 for the second part. After an initial free consultation, my daughter paid the first payment over the phone with her Mastercard…
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spending abroad
Is it better to use a credit card which has no foreign transaction fees or my tesco clubcard - which although incurs a transaction fee of 2.75%, appears to earn me 1000 points for each £100 spend.
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Can i use a spending credit card to pay off a car loan?
Good evening I have just read the article about spending credit cards and balance transfer cards. I wondered if someone could explain to me the following please. I wish to make the end payment on my car which i had intended just putting on my credit card then paying off. I still wonder though if i could use a 0 per cent…
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Unknown debt / fraud ?
My son has just received a letter from Lowell , for an unpaid credit card from Capital One. Looking on his credit report , it was opened / created in 2022. He didn't live at that address then , and has been at his current address for the last 6 years, and he was 16 when he moved to the current address. What can I do to…
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: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
