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Credit cards

Archives for October 2013

Section75 query
Hi there, Could somebody please tell me if Section 75 applies to items that have been purchased in say September and have now become faulty in October?
Eligibility Calculator - Barclaycard
Hello, I have been using the MSE Eligibility Checker to check how likely i am to get a card, i have 5 cards already that are charging interest so would like to swap over to a 0% deal. I've been showing 40% chance of getting a halifax card or the rate for life card from MBNA. But recently, Barclaycard have been added to it…
refund of an electrical item purchased 19 months ago
I purchased a Tvonics set top recording box from tesco online in April 2012 for just under £160, now 19 months on it has stopped working. Does anybody know my rights or how I can go about getting a refund or replacement? Thanks Michael
Lump-sum settlement with Credit Card
hi There just wondering if anyone had experience with negotiating a CC balance? currently i have an outstanding balance on my MBNA credit card of 6k. i have't made a payment for few years ( 3 yrs ) and now i have some spare money and welling to pay off this and clear my credit score. but obviously, i do not want to pay the…
purchasing on paypal with credit card
If i Purchase (send money) to someone on paypal, is this a purchase or cash advance from a credit card? This transaction will not be going through ebay etc just the 'send money', 'im paying for goods and services' bit.
Amex platinum everyday cashback query
Hi there Thinking about applying for this card (amex platinum everyday cashback) to use for 3 months, spend around 2K over the holiday period and get £100 cashback i.e. 5.0% of 2K. Plan is then to cancel the card and apply for a Santander 123 cashback card which we shouldn't have to pay an annual fee on as we've just…
Which company does a lob transfer quickest?
My friend wants to do a lob transfer but she is wondering which of the follwoing would do it the quickest, Mbna, Sainsburys or Tesco as these are the three recommended on this site?
PPI Reclaim
Sorry I am new to this and just want a bit of advice on reclaiming PPI. I had a credit card which is now cleared and account closed, but i have just come across a statement and it shows PPI premium on it. I didn't take out PPI ! I believe this was added to my account without my knowledge or authority. I was made redudant…
When will I get my Tesco Clubcard points?
Good morning all, I've recently started using a Tesco Clubcard credit card. I've had it about 6 weeks, and had my first statement. But I can't see any information on when I will actually be awarded any Clubcard points. They're not in my Clubcard Account online either. Thanks in advance :)
Which Cards offer a Large Credit limit ? (£5000-£9000) (With Excellent Credit !)
Share your experiences, have you applied for credit cards, and you have an excellent /great credit file? Which card(s) did you apply for and what initial credit limit did they give you ? and was your credit good, medium? excellent?
What is your BARCLAYCARD Credit Limit ??
For those of you with a barclaycard, what is was the barclaycard credit limit given to you at the beginning ? and did what did the limit increase to, as years went on? (and was this subject to you asking? or they increased it automatically ?) and how many months were these increases done after ?
Good Credit Rating - still apply for Aqua Advance? Free £20 amazon voucher
email from MSE, my question below. Free Amazon £20 on 'rebuild your credit' credit card. If you can't get good credit, bizarrely, one way to build your score is to get any card, even at a poor rate, and use it properly to build a decent history. The Aqua Advance* (use the Credit Rebuild Eligibility Checker) accepts some…
barclays
Hi, if i have two barclay credit cards, can i still apply for this 30mth 0% one ?, but what if its the same card i have ?
New Luma 4% cashback card (supermarkets and petrol)
http://www.luma.co.uk/cashback-credit-card/ Maximum £9 cashback per month, i.e. £225 of spending
sending money on paypal-credit card
Hi there, I need to send money to people on paypal. If I do this using a credit card is it classed as a cash advance or a purchase? Im confused
MBNA Mastercard - part of mass compromise
I've just been contacted by MBNA who tell me that my Mastercard was part of a "mass compromise". The agent said that they were unable to tell me the name of the compromised retailer as they only received a list of numbers from Mastercard with no further details.... ???? Has anybody else had this? Maybe we could compare…
job seekers allowance
Hi not sure if this i s the right place to post but icant seem to find the new thread button I have just left school after staying on at 6 form i have just put in a claim for job seekers allowance ,is it true that if my father is on Esa and my mother get icome suport top up and tax child tax credit when i satrt work do i…
credit card or debit
hi I want to buy a new watch when I go to Tenerife I a couple of weeks but don't want to carry cash with me what is the best way to pay for this my own preference is Debit card as I don't really use my credit card .
Amex Rewards Gold Card Amazon Voucher
I applied for the Amex rewards card after reading the mse email of 11 September. It read: Free £100 Amazon voucher in time for Christmas. The Amex Gold* chargecard gives accepted customers who spend £2,000 on it within 3 mths 20,000bonus reward points - convertible into a £100 Amazon voucher. The pointsarrive as soon as…
Credit Utilisation
Does anyone know what level credit utilisation tends to have significant impact on credit card applications for the purposes of balance transfers. I currently have total credit available of 17% of my salary, not including mortgage. The pre-checker on MSE gives me a 10% chance for most cards with 20% for some. My current…

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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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