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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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Total Credit Card Confusion
Hello! It turns out I am a complete novice with credit cards and all things money. I have had several in the past and paid them all off. I currently have a Nationwide CC at £0.00 and a Virgin Money CC at £0.00. They have both run out of 0% and I want to book expensive flights so ideally want to open a new one. 1) would I…
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Barclaycard Persistent Debt situation
Hi all, I have had a Barclaycard since 2018, kept it fully paid on time every month, as I have with all my debts, but early last year (Jan-Apr 2023), they told me they were suspending it because I was in persistent debt, so I told them I didn't want it suspended and reminded them that I've never missed or made a late…
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Balance transfers
Hi all Scenario is that OH can Halifax money transfer but Natwest Group not offering BT cards. Theoretically, is the below possible: 1. OH money transfer from Halifax 2. I balance transfer OH Halifax to my Barclays (that allow partner transfer) 3.I balance transfer from Barclays to Natwest 4. Repeat 1 and 2 5. I balance…
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Santander Edge Credit Card 2% Cashback
I've just received and started using my Edge credit card. Is there any way to see a running total of Cashback earned? I've looked in the app and online but can't see anything. I'd like to know when I reach the £15 maximum so I can use my Chase account for the rest of the month.
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Credit card usage affecting credit scoring
For a number of years now I put all my expenditure on my credit card and then have a direct debit to pay it off in full each month. However, it appears Experian credit scoring is old fashioned/unsophisticated and does not recognise this increasingly popular usage of credit cards because many provide reward points or air…
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Creating a credit history
Hi all. For the last 4 or 5 years I have taken no loans and have kept my Credit Card statements clear at the point of creation. I realise now that this now means I have no record of being a good customer who can borrow responsibly and pay back reliably. My question is, is the information sent to the credit reporting agency…
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0% purchase cards and foreign transaction
I'm looking up getting a new credit card to help pay for our honeymoon this summer. I've done Martin's eligibility test and we've been recommended Natwest or Barclaycard, they have excellent term 0% on purchases which would give us an extra 19 months to pay off the expense which is perfect for us after just paying for a…
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0% money transfer/balance to pay off loan?
Hi there everyone, I have loan with first direct that is roughly £300 a month, I’m looking at options to lower that monthly payment for a few months, there is £7000 left to pay but I’m thinking of some options to pay it off like a balance transfer or money transfer card. I have a NatWest purchase and balance transfer card…
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Capital One Transfer Limit
On the balance transfer card for capital one it says (We’ll let you know if your full transfer amount is within your credit limit, before you apply). I’ve put in £1,000 and it says accepted and the credit limit on the page says up to £1,500 so I’m guessing I’ve been approved for a £1,500 limit on that card, I’ve called…
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Did anyone get a sensible credit limit offer on the MBNA 0% card?
I've just tried applying for one of these and was offered a miserly £500 credit limit. Other cards I've had in the past have had limits in the low tens of thousands, and it's a fraction of my monthly income. Is the offer actually serious and have others received a sensible limit? I've got an 'excellent' score on Credit…
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Eligibility checks - third party vs bank's website
Just a useful nugget of information to confirm what's often said on these boards. I've got a credit card where the 0% rate is due to end soon. I have the money stashed away to pay it, so no problem, but I thought I'd see if I could transfer it somewhere else just to carry on earning a few pennies interest on my savings.…
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Firm goes bankrupt will also making a Section 75 claim - What happens, where do I stand
I tried to reject my caravan back in January, due to poor quality repairs and ongoing water ingress issues. As I had rejected the caravan while it was still at the suppliers workshop, I left it there and gave them 14 days to refund me but the company disputed my Statutory Final Right to Reject, saying they "felt' they did…
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Does Virgin Money tend to offer good existing customer balance transfer/money transfer offers?
My existing balance transfer on my Virgin Money card will expire in a couple of months' time (I will repay it before then) and it'd be helpful to know whether Virgin is likely to offer me a good "existing customer" BT offer.
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Paying off my Very buy now pay later balance with a credit card
If I do as per the title, will the credit card (Santander Edge) treat it as a cash withdrawal? If not, would I earn Cashback on the transaction?
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Chargeback or section 75 claim?
Goods ordered from Germany over 1k on barclaycard Never received them It appears courier simply left them by the back door with no authorisation from me and left in plain sight to be taken. If the retailer does not refund me this week then should I do a charge back or a section 75. Just wondering which is the best…
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Credit Card Partners
Hi All Having searched the forum before asking this question, I cannot find what I'm looking for? Do we have a list of CC companies, and their parent companies which lists who we can/cannot transfer a balance to?
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Sainsbury's card being declined
Just a heads up in case anyone else is in the same situation. I have a letter dated 1 March 2024 saying that Sainsbury's are sending out a new card but to continue using the old one in the meantime. No new card has arrived but on from 12 March my old one is being declined. I have just spoken to customer support and…
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Used car chargeback what do I do now?
So I bought a used car back in September 2023, within 14 days faults appeared, tried to reject (merchant assaulted me and police were involved) consumer helpline advised that I went to my bank (starling) and perform a chargeback. I filled in the form which was accepted 31st October 2023. I supplied all my evidence and the…
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Am-Ex - For refer-a-friend to work do they have to have the same card/account?
My friend has an British Airways Am-Ex card/Account. I want to apply for the Preferred Rewards Gold Credit Card. Is there a way that he can refer me via refer-a-friend even though I want a different account to what he has? (and if so, how?) I'm going for the gold card as it gives the best benefits in the 1st. year and we…
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Money Transfer and then Balance Transfer
HI, looking for some advice on if this is a good idea or not. i currently have some debt which is being dealt with. Although I’m coming to the end of a Balance Transfer period on Lloyds and Tesco. However I last night got accepted for a Tesco card with a significant credit limit (enough which will allow me to merge my…