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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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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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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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Cancelling my Netflix subscription and UNSUBBY got in the way with £9.95 from my CC.
Well I've been in the past very careful to avoid Scammers and fake web sites etc. until this evening. I wanted to cancel my Netflix subscription and could not find how to on my Netflix website so put a search in my Browser for Netflix cancelation and by accident got the Unsubby website. Yes I was stupid but a little tired…
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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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Halifax Clarity card moving from MasterCard to Visa
I've had a Halifax Clarity card for many years, originally acquired for its cost-effective handling of transactions when abroad. One additional benefit I have perceived with this arrangement in the past is that it is on MasterCard, thus providing an alternative clearing infrastructure if Visa isn't working for some reason.…
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NatWest needs IT staff
I started life with a Sainsburys credits card. Recently it was taken over by NatWest. I have to say at this stage that the changeover was straightforward and fine. I even helped my friend to transfer. The card continued as a master card until earlier this year I was informed this was changing to Visa. Fast forward until…
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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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Monzo Flex Card Payment request letter
Morning All, Odd one here I have had a letter from monzo bank stating that there are 2 overdue payments on my monzo flex account. I do not have a monzo account or a flex card. The letter shows no account numbers or the like. I have called monzo and they do not have me on their system at all. Anyone else experienced this??…
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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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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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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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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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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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£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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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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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.
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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