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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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Santander Edge Credit Card - Using it Abroad
Hi, my new card is on it's way and with 2% cashback for the first year I expect to use it extensively. A significant amount of my spending will be made in Euro. Has anyone had a chance to use it overseas yet and can confirm the 2% cashback applies to non sterling transactions ? Were you happy with the exchange rate and was…
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Hard Searches - How long affect?
I've been foolish and did several searches for loan deals direct with lenders all at once. I also opened several accounts to make use of the offers, but have very little actual debt. I'm now trying to secure a reasonable personal loan and being turned down because of this activity it seems. There are various answers as to…
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Credit cards: what issues should MSE be raising with the industry?
Hi all Here at MSE we sometimes have the opportunity to talk to industry bodies, and one of our colleagues will be talking to representatives of lenders very soon. We've already scoured the forum to spot recurring issues that would be worth highlighting, but if you've had a recent experience of dealing with a credit card…
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Santander credit card blocked
I just got a Santander Edge credit card and after four transactions (one chip and PIN, one contactless, two online) they have blocked it as they were worried about fraud. I am glad they are cautious, but this seems excessive. The only thing that could trigger a warning is that the contactless and first online were for…
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VM Payments via Apps
This is my preferred way of repaying CC's in addition to DD's. VM is one example of linking their App to personal banking Apps. This ensures I have more control in reducing CC's at my convenience and affordability. Does user's think Apps are positive addition.. thanks
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Fraud on a card I have never used - Barclaycard
Hello, Woke up this morning to repeated calls and texts from Barclaycard as they have blocked a transaction of £2300 on my card and they wanted to confirm this was me. Explained it wasn't, no money had gone from my account, and organised my replacement card. My question is however, as Barclays couldn't answer, is How did…
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Experian Report Reporting a Loan I don't have - Identity Theft?
I signed up for the free version of Experian last week and the report was clear. I had an email from them today to say "Your Experian Account has been updated" I logged in to see the following:- Stating I have a loan of £193 3 accounts and 2 credit cards. I have checked the three bank accounts and two credit cards and…
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MSE News: Barclaycard's cutting minimum repayments – you could be in debt YEARS longer
If you've got debt on a Barclaycard, it's likely the minimum you have to repay each month will be cut from July, as the bank is changing how repayments are set for millions of customers. If you're unaware, and don't act, you could stay in debt for many years longer and pay possibly £1,000s more in interest. Read the full…
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HSBS Expat Credit Card
I am trying to arrange a balance transfer from my HSBC Expat credit card(Jersey) to another banks credit card and have already had a first attempt rejected by Barclays - is there anyway to find out what cards are accepted for balance transfers by the banks?
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Will balance be automatically transferred when account is approved
I applied for a virgin credit card to get a balance transfer offer. They phoned me to confirm more details ( was the fraud team just checking details). I think at the time of application I just put the total amount of debt I have. The amount they have given me is less than my total debt on my two cards. I then got a…
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Interest free CC and obtaining a 20 to 30k credit limit at application
Hi We currently have a mortgage circa 220k around 50%LTV. This includes a Further advance for home improvements currently undergoing. We want to raise some further capital for Windows kitchen etc. Can see barclaycard and Marks and sparks have 19 or upto 21 months Int free. So the big question how can we achieve a high…
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Buying a Car on Credit Card?
Hi, My Credit Card has £5000 limit with 0% Interest on it for 12 months I think. If a find a used car for £5k, I know its gonna be tough to find for £5k because used car prices have nearly doubled in price after covid & inflation however Inflation will make my £5k debt cheaper over time. Does the 12 months 0% card offer…
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HSBC - Section 75 doesnt cover our OPB with debit card payment???????????
We recently purchased a car from Car Store (won't ever do it again!) and we paid £99 by credit card to reserve car. We then decided to buy it and asked if we could put £100 of the balance on a credit card. They first said no but to get the sale said yes (we thought this would give us cover for the debit card payment of…
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Too many new accounts opened, how long does affect last?
I've been a bit foolish and opened multiple accounts/cards at the same time taking advantage of various offers. This is despite there is virtually no credit being used on them. I have just tried to get a personal loan at a reasonable rate and been declined several times, along then with having the Hard Searches. My 'credit…
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John Lewis Card
Hi, Received an email from JL saying that for online purchases we would have to enter an email address as well as the OTP sent. They will be using biometrics to analyse how I have entered my email addess ( which doesnt need to be the one registered with the card ) to authenticate. Have you heard of this before ? How will…
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Card that can be used straight away?
I've been disorganised/too organised depending on which way I look at this! Last year I had a credit tidy up and cancelled unused credit cards. I thought I still had one kicking around for emergencies but turns out I didn't keep one open after all. I was hoping to pay a few quid of a holiday balance on one for the section…
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Paying council tax bill at post office using American express
Has anyone been successful in paying council tax bill at post office using American express?
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Unauthorised conversion into Sterling
What to do if a merchant makes an unauthorised conversion of a payment into Sterling on your card? Naturally, it's at a very poor rate. I have screenshots which show the EUR amount which I agreed to. I have complained to the merchant, who just keep referring me to their useless chatbot, and to curve, through whom I made…
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Debit Card with nominal balance
Is there any way you can have a DC with only a small balance. This would be used for buying coffees etc. when at a swimming pool. The fear of having card stolen from locker prevents my wife from taking hers with her. But is seeking an alternative for small purchases with little liability if lost/stolen.
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Can I Balance Transfer from my spouse's credit card?
I have just received my first ever 0% fee 13 month BT card. I have a monster balance to transfer over at the end of this month. Can I give the number of a card owned by my spouse? I can't see anything in the T&Cs saying I can't!