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Credit cards

Archives for January 2009

Alternative uses for credit cards
I've recently been thinking about credit cards and the potential alternative uses for them. The obvious one is an ice scraper - anyone got any other suggestions?
Credit Agency Experian Data
Hi Guys I know some of you will know a lot about how Credit agencies keep data on your credit files etc. I am hoping some of you will help me out here: I have asked Experian who for some reason do not know the answer to my question. I even looked on the net and there is nothing i could find relating to the answer I want.…
cashback or tesco clubcard credit card?
hi all, it looks like i'm going to be spending about £100 a week on diesel for most of this year (working in london) and i want to make sure i'm getting the most for my money. I'm not sure which would be best, the tescos clubcard card (I buy most of my fuel from tescos), or a generic cashback card, since we get most of our…
Balance transfer Q
Hi, Is it possible for me to apply for a credit card and use the balance transfer facility to pay off my wife's credit card?
First Credit Card Question
Hi, I just got my first credit card today and have a question. What happens if I try to buy something over my credit limit? Will it go through? And does it lower my credit rating? Thanks
Lloyds TSB Air Miles Duo Credit Card
Hi Guys I just wanted to know how long will i have to wait to find out whether I am successful getting the Air Miles Duo Credit Card. I applied this morning and it said that they will call me if they need additional info or write a letter to inform me if I am successful. I am applying for this credit card solely to take…
Anyone with an M&S cc had their M&S vouchers through?
I am due at least £10 worth of vouchers and I messaged them to ask and they said they were imminent but I haven't received them yet. Just wondered if anyone else had and how regularly you received them Thanks:D
New Job
Hi I have just been refused a CC. I am wondering if this is becuase I have just got a new mortgage (remortgage), 1month ago, and started my new job (3 months ago). Should I wait until at least 6 months (just a guess really) before re-applying? I appriciate that it could be other things as well but I don't usually get…
Help - Best time to apply for new card
Hi there, I have a balance on a credit card that I want to transfer for low interest rate. I have no credit problems but did move house/mortgage on 3 december 2008. Is it better to wait for 3 months before applying for credit score or would it be ok to apply straight away?
Barclays Credit Builder
Hi all, Does anyone know if Barclays accept Tenants with CCJ's on their file for the Creditbuilder card. I doubt I will get the initial card! Thanks for your help in advance. Matt
free flight credit card! i dont think so
Ok so i want to apply for the cards that I can get airmiles or flights. Am i right in thinking that the lloyds Tsb duo 1500 has been withdrawn? and the bmi business to Turkey they dont even fly to Turkey so I guess I wont be going there. I'm new to all this but it all seems a bit too much hassle - any help would be…
Can I claim?
As part of a long running saga, I recently paid £2000 on my credit card for another (reconditioned) engine for my car. It had to go back to the garage as they had mucked it up badly and had to sort the problems. 7 weeks later it seems the garage has gone bust. We cannot contact them at the moment, but are trying. They…
Abbey national is offering me the new Zero
credit card. I have just cancelled another i had with them which was run by MBNA (I believe) a couple of weeks ago and as i went into the branch they said i had been already selected for this card. does this definitely mean if my credit rating is alright that i can therefore get a new card with theml. They say that this…
when you ask for the basic £2 credit rating
report is that sufficient information to request a credit card after if all is clear..? thanks in advance.
Credit card debt clearing
Hi - can anyone advise as to whether a credit card company will accept a one off lump sum payment which is lower than the outstanding balance in order to clear the debt?
0% balance transfer for partner's debt?
Hi all My partner has run up a debt of around £3,500 on his credit card. He is paying only the minimum amount each month, so the debt continues to mount. He has been refused one 0% balance transfer card, and is wary of applying for more. His latest statement says: "You are eligible for a preferential rate on balance…
COOP Visa ...unbelievable
I have been a customer of them for many years, have never spent anywhere near my credit limit, always either paid off balance immediately or most of it. Received a call this morning wanating to "negotiate" a reduction in my credit limit. It soon became clear that whatever was negotiated today, would be reduced further…
Please sir can I have cheaper debt?
I followed Martin's advice here is my experience: Company: Capital One Request: I would like cheaper debt please. I have been a good customer for some years and aware of better deals elsewhere but want to stay with Capital One, can you help please? Response: You mean you want us to reduce the interest rate! Customer…
Small overdraft in bank onto a credit card?
Hi, I have never had a credit card and am a bit confused and am after a bit of advice. I have a small overdraft (around £900) and I wondered instead of paying interest on that to my bank, can I get a credit card to pay it off? If so, what type of card should I get, a 0% interest card? I could then pay it off over around 10…
Premium card benefits
Which premium cards have the best benefits? I've currently got Amex Centurion, Coutts World Card and Natwest Black. Are there any other cards I should look at getting as they have good benefits? Pay off all cards each month so interest rate is not an issue.

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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
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
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 low-income 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.
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
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
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
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
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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Credit cards

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