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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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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…
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Moved: Consolidation
This discussion has been moved.
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Cannot add credit card to Apple Pay
I have been told by Halifax Clarity that they will not allow my credit card to be added to Apple Pay because my IMEI of a phone I bought brand new has apparently been associated with fraud Having first wrongly claimed it was Mastercard who kept the data base they now refuse to tell me who has misinformed them and sent a…
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Sainsbury's to Natwest transfer
My Sainsbury's Bank credit card is moving to Natwest. The Natwest website says that I should have been invited to register for online banking during September (whether by email or letter). I have received no such invite. Do I need to speak with Sainsbury's or Natwest at this point? The Sainsbury's app now appears to be…
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Sainsburys to Natwest credit card migration
Hi please help! my credit card was with Sainsburys, i’ve had no correspondence whatsoever to say it’s migrated to Natwest. I’ve tried 3 telephone numbers to apeak to a person. All cut off when transferring me. My credit card bill is due on the 10/10. My Sainsburys app is no longer working. Does any one have any info on…
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Sainsburys to Natwest woes & troubles
Hi thought I would try and collate any issues others have had with this transfer, I am currently on hold to Natwest (25 min wait so far) to complain. So Oct 3rd, changeover day starts and I can't access my Sainsbury app anymore and also can't access the Natwest one until Oct 7th. Well that's fine if the card still…
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Anyone else had their Creation credit card cancelled without explanation?
For the past 8-10 years I've been the happy user of a Creation credit card which I took out because, at the time, it offered foreign currency transactions without the usual 2.75-3% exchange fee (and thank you again Martin & team for alerting me to it way back then). I've always paid the card off in full every month, and to…
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Onmo APR increase
Just a quick heads up, Onmo just sent an email telling me that the APR is going from 34.2% to 47.99%. Wow. I am going to get shot of that, its just such a huge increase. I have had other credit cards previously and the APR has never gone up by that much. Theres a button to repay the minimum at my current APR and close the…
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Sainsbury's Bank sold to Natwest
https://www.about.sainsburys.co.uk/news/latest-news/2024/20-06-2024-sale-of-core-banking-business-to-natwest-group Unlike Barclays purchase of Tesco Bank, it doesn't seem this deal includes ongoing usage of the Sainsbury's name, so Sainsbury's Credit Card customers will become Natwest (or I suppose maybe RBS or Ulster…
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Co-op bank phone lines
I have been on hold to the Co-op Bank 0345 600 6000 number now for TWO HOURS and SEVENTEEN MINUTES and counting. It is simply inconceivable that there are enough people waiting who are prepared to wait for more than two hours. I can only assume there are no staff at the other end. This really is a deplorable example of…
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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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Flexiloan balance transfer
Hi I have several credit cards I want to balance transfer to a 0% credit card. I also have a flexiloan with HSBC which I was hoping to transfer to a credit card as well. Does anyone know if a 0% balance transfer credit card deal who will transfer the flexiloan as well?? Thanks
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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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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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Balance transfer credit card
I have two MBNA credit cards and would like to clear one of them with a balance transfer to my new Nationwide credit card. Is this allowed?
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"Ethics" of credit card spending
Morning, Are there any ethical or moral concerns when it comes to credit card spending? If you use reward cards for example and do all your spending on these (paying back in full each month of course) is there any net negative either to yourself, or the greater society? Thanks
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Credit Card & PayPal - Cash or Purchase?
Hi All, Hope you can help. Does anyone have experience of sending money to friends and family via paypal from a credit card - and whether it was treated as a purchase, or as a "Cash-Alike" transaction? I've asked paypal and they've basically ignored my message, and I can't call. Their FAQ just says "We don't charge cash…
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Vanquis settlement fee
Hello looking for some advise. I have a £4k debt with vanquis, currently not missed a payment in 65 months, no late payment either. I have called twice in the past 6 months to raise my worries around not being able to manage it. I have received some money from parents to try and clear debts. Called vanquis and they advised…
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Sainsbury Card to Nat West, now two accounts. Combine? New Card.
My Sainsbury credit card will move to Nat West at the beginning of next month. I allready have a bog standard NW credit card issued many years ago. This card does not have charge free use overseas. Just asking this question before contacting NW. I'm looking to try to convert both cards to just one of the newer Nat West…
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Moved: Credit Card Debt
This discussion has been moved.
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Tesco 22 month interest free credit card
I have just got this card, as i had a large purchase i wanted to make, I am now thinking about making another purchase using the card, but can not find out anywhere , If there is a date when the purchase that will be eligible for the interest free period, ends, on another card i have it is purchases with in 30 days, Is it…
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: Lloyds 0% overdraft by pecunianonolet
29 September at 8:42PM
