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Credit cards

Archives for April 2008

Payments to Egg Money?
I've been trying since Saturday to make a debit card payment to my Egg Money account. It has always worked before, but since it started to ask for the secure code authorisation (Saturday), the final stage then fails after I input the password. I've used it ok on another credit card, so it appears to be an Egg problem, but…
Interest Charge & Late Fee
Last month I forgot to pay my credit card bill on time and so was charged the interest which was due. Not happy - but my fault, so can't complain. However, this month's bill also included a £12 late fee. I rang ask for an explanation and said that you can take one or the other but not both, the answer was always "it's in…
is there a way to verify a refund on a debit card?
just a couple of questions about a refund on a debit card.. first question is when a refund is made to a debit card, is there a way of verifying it? is it instant, ie check online line banking etc.. or is there a delay of 24hours.. or can i check via streamline/bank? also would i need to goto the store and collect the…
Does any where do a 0% BTF with no fee?
Can anyone advise if this is avaliable. Really trying to get sorted. Thanks.
Nationwide CC - Changing?
I've just been telephone surveyed on my NW credit card. They wanted to get customer reactions to suggested changes to the T&Cs. These were, AFAIR, £2 pm fee, £10 pm fee but with extra benefits like insurance, no fee but no 0.25% cashback and only £500 pa of commision free foreign transactions. I said in such event I would…
Fraud - Lloyds TSB
Hi. Wonder if anyone can help. During March, my Lloyds TSB Amex card was used to make payments to an Italian energy company to the tune of £3k (Lloyds TSB allowed this to happen even tho my credit limit is £2k and continued to allow it to happen after I reported it!). I have made umpteen phone calls to them and each time I…
Lloyds Air Miles Duo Cards
Hi Do you know what the charges are for using either of the duo cards in restaurants/shops etc abroad?is it a fixed charge or a % of the value of the transaction? Thanks.
Attracting "good" junk mail
Martin loves the stuff and, to be honest, I don't much fancy my chances of being accepted for many ideal credit cards given my employment status so I'm hoping the answer drops through my letterbox. Is there anything I can do to attract credit card junk mail?
First Time Credit Card Help
Hello everyone. I'm 21 and I'm looking to get my first credit card. Always avoided cards and loans through fear of racking up debt like a lot of my mates. About 12 months ago I tried getting a loan for a new car but got turned down everywhere so my Dad eventually took the loan in his name and I'm paying the repayments to…
Removal of Interest free facility - your help needed
I wonder if anyone has any advice for me? I took an interest free credit card out with halifax, purely to buy a car, and to not use for any other reason. My 1st payment went through, however my 2nd payment which should have been made by standing order from the Internet did not go through due to an internet error. When i…
Card fraud - reasonable care?
Guys, I'm hoping someone can offer some advice here. Not sure where to post this - so picked this bit. Last week I had my other half call me and tell me my debit card details so I could order something over the phone. I wrote the details down on a piece of paper on my office desk. While I was on the phone, I stashed it…
Capital One 'cash back' card
Hi everyone, Just thought id warn you of my experiences with Capital One. I applied for their cashback in january as it claimed to be paying 1% cashback. I went from a link on this site and applied and was accepted online. I was also called about other products and while this operator was on i thought Id just confirm it…
Reclaiming credit card charges
Does anyone know if I can still reclaim the charges if the debt has been sold to a collection agency???????????
Overdraft to credit card
I've just been reading about the credit card shuffle. I've an existing Barclaycard credit card with not much on it but a £5000 limit. I want to move a debt from another CC to the cheaper rate. I also have a bank account with Barclays but am currently up to my limit (and over) on my overdraft. Is it possible to take…
Splash Plastic Problems
*sigh* Splash Plastic seem to have blocked my card. On Tuesday some money went on to my card £744.09 and £304.03, I took out £20 and then jumped on a train to Birmingham. When I got to Brum I bought 3 things in shops and then my card stopped working. Logged into my account and the card status shows as "Refer to Customer…
Card Protection - Sentinel Gold
Just received renewal notice for Credit Card Sentinel service, which has gone up from £39 for 3 years to £70 for same period, with excuse of additional benefits and change of name to "Sentinel Gold". Naturally, you cannot have the old benefits at the old price! Scanning the web and these forums for alternatives, I can find…
Travel credit card
I am looking for some advice. I have never had a credit card but as i am going traveling for 5 months in a months time i thought it would be sensible to have a card just incase. So far ive realised i dont need to worry about balance transefer rates, but i think 0% on transfers would be beneficial for me, and i am thinking…
Best card for international travel
Hi guys, I'm new here so please forgive me if I've missed a blatently obvious section. I am leaving the UK (I'm a UK resident) for a month round Europe on the 6th May. Myself & a friend will then be heading out to S.E Asia including Laos, Vietnam, Thailand & Singapore. I am looking for a credit card that would be best…
Pay off my credit card or overdraft first?
Hi everyone, I'm hoping for some advice. I'm desperate to clear my debts and clean up my credit history in the hopes of buying a house sometime in the next century. I have an overdraft of £2500 on my bank account that is maxed, and have an £800 on my Egg card that they kindly closed for me earlier in the year. Both have…
Anyone else's Asda CC not working?
Hiya folks, Got myself an Asda CC a couple of weeks ago to save the 2p a litre on petrol... First their online payment system was unavailable for days so I couldn't pay my bill off.... E-mailed them and they said "yes we know there is a problem but don't know when it'll be fixed..." Now to make it worse my card has stopped…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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