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Credit cards

Archives for September 2013

Tesco Club Card - Time Period To Make Purchases
Hi I am thinking of applying for a Tesc Clubcard to get 0% on purchases for 18 months and possibly a small amount on a Balance Transfer 0% for 9 months. I have 2 questions please: - 1. How long after receiving the card will I have to make purchases that are eligible for 0%? Does the Card Company restrict the time period,…
Purchase Card or BT or both.
I am currently thinking of applying for a new card, as my Tesco CC is coming to the end of its % period. If I was to get a BT card with a 15 month % period that includes purchase % for the same 15 month period, would this period be from the start date of card. e.g. I transfer £1000 on day1 but I do not do a purchase till 3…
AMEX / Tesco
Hi, can anyone tell me if I am doing something wrong. Have an Emirates Amex card. Tying to use it online vis Tesco to preorder some PS4 stuff. Every time I put the card details through it keeps saying 'sorry there is a problem with your card' or words to that effect. It gives the option to pay with AMEX and if I pick a…
Lloyds Clicksafe probs...
Not sure if this is the right forum, or whether anyone can help, but I'm slowly going potty! I'll spare you the story, but involves fraud on a card, loads of problems with the replacement, many phone calls to bank, and finally visits to the bank. Anyway, card can now be used for most online purchases, but having problems…
Argos Store Card- Tiny limit increases
I received a letter from Argos stating you "deserve a higher credit limit" and "that will make sure you can get everything you want, when you want." The card was not easy to get, I appealed when initially rejected and they overturned their earlier decision and gave me a small limit of £200 which I was happy with. I do have…
Review of credit cards
Hi, I became mortgage free in September 2012 – in the final 18 months or so, slow stoozing on credit cards, paying minimum balances and using freed up cash to overpay or save for mortgage. One year on, I have the following three credit cards and looking to do a top to bottom review of credit cards we hold. * Barclaycard…
Consumer Credit Act 1974 S78(4) - Prescribed form of statements - Question
Section 78 (1) describes what should be in a running-account credit statement when requested by a debtor: Section 78 (4) says that a creditor shall give the debtor statements in the prescribed form at least once every 12 months: My question is - what is the prescribed form for the statements under 78 (4) - it would seem…
Which Amex to use - gold or platinum
I have two amex cards. a gold rewards and a platinum one and trying to work out which I should be using. the anniversary of the platinum is November and I have about £17 cashback - if I use it for everything in the next few weeks I could get the cashback of £25 which is the minimum I believe - they don't give cashback for…
Balance Transfer Query
Hello, I've got a promotional offer, offering 0% for 24 months (M&S) and a 2.99% fee, on one of my cards, which I already have. I currently have £1000 on the card, which is on 0%, expiring in October. I've also got another offer from another provider, at 7.9% with No Fee (Nationwide) Could I do a transfer from my M&S card…
Beginner credit history builder
Hey guys, i'm 23 with little or no credit history and have just got a credit card a few months ago (kind of worrying they gave me a good one with a lack of credit history). It's a Tesco credit card with 18 months interest free and a £2,250 limit, the only reason i've got it is to try and work up a good credit history so…
late payments and debt
my daughter has a bank account with santander (formerly abbey national) her payment date is 23rd of the month but she only gets paid on the 28th of every month. They are refusing to change her payment date for the 28th or the 29th of every month, they say they can't. They've charged her late payment fees this month of £40.…
Capital one - activate right away!
Just received my Capital One card, and on the front it has a message saying "For security reasons, please activate the card right away". Why can't they be honest? Surely, for security reasons, it's better that the card ISN'T activated as it then can't be used (save for a few offline places)!!!!!! Why can't they just put…
Cashback Credit Card to Balance Transfer
I have a cashback credit card which I recently got to get the benefits (which I now plan to use for all my spendin). I've also recently received a 0% balance transfer card as I intend to make a couple of larger purchases soon. If I make the purchases on the cashback card, and then BT to the 0% card would I still be…
Applying for another card from same company
I have a card from Barclaycard and Halifax and my 0% offer has ended on one the halifax and so wanted to apply for the barclaycard 28 month offer on at the moment i understand i can shift the debt from halifax but am i allowed tgo apply for a card if i already have one with them- if so then i guess i need to look for the…
Load foreign credit card with money
I have a friend in another country where it's the norm to have a credit card that works like a pay-as-you-go credit card. You effectively put money onto it and then you can use it as a regular (Visa) credit card and spend up to the amount remaining on the credit card. I want to put some money onto it for my friend. Does…
Cancel old card?
I am contemplating transferring the balance on my First Direct credit card to Lloyds 24mths at 0%. When the transfer has been completed should I cancel the First Direct card or should I continue to use it and always pay off the balance?
Credit CardDirect debit payments
Hi guys, Is it generally possible to get direct debits to be charged straight to a credit card, rather than a debit card, so that all your spend was on the card? And obviously, pay off the credit card with a direct debit from the debit card. Thanks! SS
Capital One Cashback on existing card !
All I thought I'd just let people know about the email I just received, as its quite strange, but very welcome! I previously used a cashback Barclaycard for all my new spend (that was going to be paid off in full), but then took them up on a BT offer about 6 months ago. This left me using my Nationwide Select card instead…
Asking for lower apr
Hi guys and gals, Dont post on here much but need advice, I have a virgin credit card and was recently astounded with how much interest i was paying so rang them and was told my rate was 26.9%, I have tried for a 0% card with a 70% chance of sucess but was turned down, Dont know how long before I should try another 0% and…
Halifax Clarity card - how to increase the chances of approval
Hello, my first time posting on MSE! Looking for some advice: I'd really like to get one of the Halifax clarity cards that are recommended for use abroad (will be in a few different countries next year and it would save me a packet in fees / currency conversion / headache once out there). Would like to maximise my chances…

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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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