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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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Barclays Credit Card
applied for the interest free card, used it happily for 6 months, then came in an interest charge, when we called and explained, we were told there were no offers on this card and must have been a late payment, although we had paid weekly amounts way over, i tried to check the information on the emails sent, but it says…
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Fraudulent Payments on my Credit card, so unhappy with TSB
I noticed two payments to amazon, one for £15 and another for £30. the TSB app didn't alert me to approve any of these payments, but later on it did alert for two further attempts to Amazon, through the app it said I should report the card as lost or stolen, which I did. I do shop at amazon alot, and they told me someone…
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Emergency cash
Apologies if this is the wrong category. It’s the best fit I could find. Hi, I always keep emergency money in various places (<£20 and always notes which is easier to stash and lighter) in case I lose, forget, break my phone. Examples could be car, weekend/going away bag, hiking rucksack,house etc. On the recent occasions…
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Contradictory advice from Credit Report Insights from MSE Credit Club
Does this make sense to anyone? You have 2 things to work on You aren’t using the credit available to you Try to pay down the amount of debt you have, if you can
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Section 75 claim goodwill settlement rejected, but paid anyway
Hi, I would be grateful for some advice on a section 75 claim we are in the middle of, after our charge back was rejected and escalated to a section 75 claim. We brought a car from an independent dealer in Nov 24 after our previous car was written off in a crash. We took out a 0% purchase credit card especially to do so,…
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Section 75 advice please (Reject Repair?)
Hi, I am after a little advice please. I have a TV from a large UK electrical retailer purchased Nov 2020, it has a 5 year warranty from the retailer which expires in Nov 2025, it is a 75" Samsung The TV has broken down on 3 occasions. Repair 1 - Nov 2023 - Screen replaced Repair 2 - March 2025 TV Kept switching off -…
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Debt collectors are chasing!!
Your account: Intrum UK Finance Limited Balance £8,401.12 Dear Customer, We have recently contacted you regarding your Intrum UK Finance Limited account now owned by LC Asset 2 S.a r.l.. We understand that you may not be able to clear the balance today, but you do need to contact us so that we can discuss your intentions…
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Halifax clarity credit card
Does anyone know if Halifax has announced any plans to remove the free fee element of spending abroad (goods purchases) using the clarity credit card? it's no longer listed on many websites that list fee free credit cards abroad
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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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Barclaycard Reward Foreign usage: Are fees just hidden in their Visa conversion rate?
MSE recommends using a Barclaycard Reward in preference to a Lloyds credit card abroad. But, I'm failing to spot a considerable difference between the cards if you look at their small print and how they calculate their FX and conversions. Is this correct? Or am I comparing apples and oranges? Apologies, very new to all…
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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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Clearpay/Credit card company
Good morning, I ordered an expensive watch (expensive for me anyway) The company says I would receive within 4 days and any delays they would keep me informed. Well, it's been over 2 weeks now and no communication. They have not responded to emails I've sent. I bought the item using Clearpay (this in turn gets paid off by…
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118118 Money credit card application
I've been approved for a 118118 credit card and have tried completing the application online however it asks for your bank details to verify yourself. I have 3 bank accounts, starling, zopa and revolut and I have tried all 3 but every time I click verify it just clears the text boxes and says I need to enter them again.…
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Credit card blocked when trying to hire a car - had to purchase additional premium cover
Hi all, Two weeks ago, I flew to Pisa in Italy with my family. I attempted to use my Virgin Money credit card to pay the deposit for the car hire at Pisa Airport. The transaction was blocked by the VM fraud team. I then attempted to call to find out why the transaction was blocked but I could not get through to anyone.…
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4 free airport lounge passes
If you take out an AMEX gold card (credit card) you get 4 free lounge passes. you can use 2 at a time. extra guests charged £24. The card is free in first year then £195 a year so remember to cancel if its not for you. You also get 2 x £5 deliveroo discount each month if you use these apps. If you spend 3K on your card in…
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John Lewis credit card - rewards reducing
Not sure if other people are aware, points going to the basement floor. Was 1 point for £4 eleswhere. Now 1 point for £10 elsewhere. https://www.theguardian.com/business/2025/jun/07/john-lewis-points-credit-card-purchases
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Debenhams credit card new points system
I've had a Debenhams credit card for quite a few years after a cashier in store suggested I get one to take advantage of the discount that was on offer at the time. I still have the Debenhams credit card, and recently they've brought back points, which can be converted to a voucher to spend online at debenhams.com. I just…
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using cards on line 2025+
I have become increasingly alarmed at a type of payment system used for online purchase of subscriptions. As members here will no doubt have experience the dirty tricks played with certain subscription services eg streaming, magazines, website services - especially AI and so on. Payment for goods is normally through a…
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Tesco Bank messages
I get emails saying you have unread messages but I cant find any way through the app or website how to access them?. The help sections send you round in circles. Anybody have access?
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What to do when the fraud squad sides with the fraudster? [Amex]
As per some previous threads on here... Someone got access to my account, used it, I contacted Amex & got the money back. FFWD some weeks/couple month (I forget the duration) and it happened again. Turned out to be a subscription - so 2 payments before I noticed. Raised this with Amex, told me to contact their fraud dept,…
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: 3% fee BT on Virgin Credit Card by Mcrib
9 August at 6:05PM
