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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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Old Llloys TSB Duo Avios
Hi, I had tens of thousands of Avios points accrued since 1995 when Lloyds parted from TSB and replaced the Duo with the Cashback Credit Card. As a result my Avios points have vanished. I've spoken with Lloyds Customer Service in December last year who promised to resolve within 72 hours. Theey've done nothing since.I cant…
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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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Creation Curry’s Finance
Not sure if this is in the right place so apologies if not, but I’ve just applied for creation finance with curry’s did the eligible checker and it said yes and showed me a credit limit, anyways further in the application it asked for my passport for identity which I found strange as never had this before unless opening a…
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Lloyds Ultra credit card
I've been reading about this new cashback card - 1% unlimited for a year. But according to the eligibility calculator on the website I have zero chance of being approved - and so no link appears. How does this calculator work - I have £90,000 pensions and other income, zero mortgage, home owner? All other cashback cards…
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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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M & S Sparks Pay - does it still exist?
Apologies if this is the wrong place to ask. I can't access my M&S sparks pay account. The website has a notice I'l post below. I think I don't owe them anything but I've tried phoning the number twice and been in a queue for 30mins. The one time they answered and transferred between 3 staff that didn't understand my…
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Lloyds credit card swap
Hey, I've had my generic Lloyds credit card since 2010. I have a perfect payment history and excellent credit score, paying it in full every month, which means I'm not paying interest. I got a notification about the new Lloyds Ultra credit card, which has a decent cashback offer/perks, plus a lower APR. I'm pre-approved,…
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Merged: Chargeback?
This discussion has been merged.
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Booking. com Holiday accomodation and host issues with a twist
My situation is as follows My holiday accommodation in Portugal was booked via Booking.com in good faith and paid for in advance, arrangements were made for a late arrival between 2359 - 0100. This was due to the flight arrival time and also factoring in the collection of hire car and then driving the journey to the…
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0% credit to earn interest on savings
Hello, We are about to purchase our new kitchen. We have been saving for a couple of years and have more than enough to buy it cash. However the savings are giving us a nice little return every month and we would like to keep it that way as long as possible. Could we use a 0% purchase credit card and repay every month…
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How can I find what card was used on Amazon account
In a bit of a pickle, I brought items in May from my Amazon account, I have since returned them and the refund has gone back onto the card I paid with. the problem I’m now having is I cannot find that card, all I know are the last 4 digits and that it’s a Visa, other than that I cannot find the card. Is there any way I can…
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Not received all goods from a what seems to be a fake clothing website, Amex refusing to pay me bac
Hi I ordered £495 worth of clothes from a website I clicked on from Facebook and I am usually careful but got caught out for the first and last time hopefully! I explained to American Express what happened and I had to send evidence, so I sent the order and pictures of the website now closed down and giving security…
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Dangers of BNPL
There is an article in yesterday's NY Times about the dangers of Buy Now Pay later. I know it is based on the American financial system but I am sure some of the tactics used by the BNPL companies will be universal. The comments are interesting, especially those ones where the article's author has replied to the comment. I…
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M&S Credit Card £25 offer
Hello there, am I dreaming or was there an offer for a reward on MSE for the M&S credit card and a reward of £25....... I thought it was in the last month but I can't finid it anywhere.... Many thanks Lachie.
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Dead authorised regular payments
This month I was surprised to see an unexplained PayPal
payment to Patreon for £3.60. After some
effort I found it was the result of an innocent mistake. During the pandemic we paid a monthly subscription to Byline
TV. When Byline TV stopped, they ceased
taking payments. However, when they
restarted recently, they…
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M&S Bank Rewards Credit Card Vouchers
Hello, I signed up for M&S Bank Rewards Credit Card and didn’t expect to receive the rewards so quickly. If you cancel within 14-days, do they cancel the vouchers? If yes, I may just pay for one month at £10. Thanks in advance.
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Barclaycard finally on Google Wallet
Today I received a replacement Barclaycard Visa Cashback Card (still on the old 0.5% cashback offer), thought I'd try adding to Google Wallet - and wow, it actually worked!!!! After adding it, I had an email from Barclaycard saying it had been activated successfully. Quite amazed it putting it lightly. I was ready to ditch…
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Pre approved on clearscore
Hi First up, I know pre approved generally doesn't guarantee anything, from a personal point though I've found before that being pre approved on there got me when I needed at the time Looking for a balance transfer card, the eligibility checker for a NatWest card on MSE said 0%, Clearscore said pre approved. If I go…
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Missing balance transfer hsbc/sainsbury
I made a balance transfer from my hsbc credit card on the 15th November to my sainsburys card. I noticed it never come off my sainsburys card so I done it again in 2 payments. When I checked my hsbc credit card I noticed double the amount on the card. When speaking to hsbc on numerous times nothing was really done untill I…
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Length of Residency
I have LPA for my 92 yr parent. They have been resident in UK 2yrs : previously in France. Permanently resident in UK now but always maintained UK bank account. My issue is I would like to transfer her ( UK) credit card to 0% but we seem to fall at the hurdle of address in UK less than 3 years. Anyone know of any out…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
