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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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Worried about possible CIFAS marker
Worried about possible CIFAS marker
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Barclaycard interest rates notification
I've been a customer of Barclaycard for years. I received an email from them to say the interest rate on my card is increasing, from 11.8% to 21.8% ! I understand everything increasing but nearly double! I've always made payments on time. Has this happened to anyone else? I'm looking at changing cards, any recommendations…
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Which credit cards are currently the best 0% balance transfer?
Which credit cards are currently the best 0% balance transfer? Thanks James
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AMEX charges to Businesses
Does anybody know how much American Express charge businesses in the UK? The reason I ask is that I have a reasonably big purchase to make (£6,000) which if I do on my AMEX card I'll get £30 cashback. So I'm wondering how much the business will get charged for this because if its more (has to be, doesn't it?) then there…
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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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Credit card transfer to spouses account
Hi I want to transfer my credit card bill to a 0% and although my credit is fine I quite simply don't earn enough to get a 0% one. If my husband who is our main income got a 0% card could I transfer my balance to his card? Many thanks
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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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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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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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Credit Limit Increases - manual vs automated payment
Hi, Looking to increase my credit limit on a card I have. I pay it off in full each month. Does it matter if this is by direct debit or manual payment, or are both as well regarded as each other as long as I continue to pay in full each month please? Thank you
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AmEx PlanIt
AmEx have recently launched their buy now pay later feature in the UK. I decided to give it a go on a £150 purchase to see what it was all about, and whether it would be any advantage to use. I'm struggling to really see the point if I'm being honest! Sure, you don't pay interest on the purchase, but you do pay a fee…
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Are shorter term balance transfers paid off in priority to longer term ones?
I believe the answer is yes, but I can't find anything specifically to state it. Looking at Barclaycard in particular.
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Claim back cost of work carried out by a garage
I recently had some work done on my car to replace a stater motor. Subsequently, it has transpired that it didn’t need a new start motor at all and the garage essentially changed it without doing proper diagnostics etc to figure out the problem. They’ve also refused to take the car back to do the work that actually needs…
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Buying a used car on CC, extra protection?
I’m looking to buy a cheap used car to use for a few months, perhaps around the 2k mark. It’s hard to find any dealer who doesn’t have at least a couple of reviews “it exploded 500m down the road and they wouldn’t fix it” so I’m nervous. I’m aware of the 2015 consumer rights law (lemon law) but even so, you could end up…
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Barclaycard Android App CHAT missing
I needed to contact Barclaycard support to discuss some problems with blocked payments. Everywhere on their web site they tell you to download the Barclay Card App, go to Contact Us, then select Chat. I downloaded the App yesterday but it does not have "Contact Us" or Chat options, only Help? (at bottom of screen). Clicked…
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Did I get the right credit card?
Hi, New to credit cards, I got my first one 2 months ago with Capital One with a £1,500 credit limit. I originally got it as a "credit builder" card as I was just following suggestions that I'd seen online but it feels like the wrong decision. There are no benefits on it whatsoever, no cashback or points etc. and the…
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Upselling, cross selling charging card without authorisation
I bought some organic kitchen cleaning products and took out a subscription for 1/2 price intro. It asked me if I would like a bathroom set which I put into basket, but changed mind and didn't proceed to payment, but I was charged and sent the the unauthorised goods. As my card details were retained for subscription should…
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M&S Credit Card Application
My husband applied for an M&S credit card through MSE. At the end of the application it stated they had received it and it would take 5 working days for the decision. Over a week later he’s received no reference number, no correspondence, or email. How do we go about following up with no details at hand?
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Credit card within a week?
Have you applied for and
received a credit card within a week? If so, with which bank? Reason for asking: to rent a car, inexpensively, on an imminent holiday, overseas.
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Increasing Credit Card limit question
Hi I have been increasing my credit card limit every 6 months. I never miss payment and I have requested a 1k increase every 6 months which is granted. I am wondering what would happen if I request 2k? Is there a chance they decline and then I get no increase at all? Or would they decline and then I request 1k which they…