We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit cards

Archives for July 2015

Barclaycard Platinum
Hi So I've just be accepted for the barclaycard platinum 36 month balance transfer card. I have a quick question. I have a capital one card with about £800 on which will be going over to the barclaycard at 0%. This will mean my capital one is now empty with a £1000 limit. If i spent the £1000 on the capital one could I…
Halifax Clarity
I received my Halifax Clarity card. I set up full payment monthly via direct debit. I will use this card purely for overseas expenses. But to test my card today I withdrew £50 from the cash point. My question is, do I start paying interest from a cash point withdrawal from day 1 or will I pay no interest because I set up…
MBNA blocked my card and asked me to pay a fee for fast replacement
Hi I got a fairly cryptic letter from MBNA on around July 20 informing me that my card would be blocked on July 28 and that a new card and pin would be issued after that date. The letter mentioned something to do with security but provided very little detail. Anyway, when I rang up today (3 days after the block) to find…
where / when doen the fee get taken?
so on a money transfer card, say my mbna card were they take 4% where and when do they take it. do i have to pay straight away, does it get added to what i borrow, does it come from additonal 5% that you cant touch??? thanks.
pay credit card minimum payment early?
Hi I took a barclaycard credit card out the beginning of the year to use to put small amount on each month and pay off straight away to help build my credit rating, I have been doing this each month but last month I had my car insurance due and payed the whole year on my card so I didn't have to pay monthly and as I had a…
Credit card fees when buying a car
I am about to buy a new Ford car from a main dealer. I've enquired about paying part of the cost by credit card (several thousand pounds) and paying the balance by debit card. The dealer says they will charge me 2.5% fee for using the credit card (this is high in my opinion, but not unexpected). However my issue is that…
M&S Credit Card confusion - Newbie
Hi guys, I got an M&S credit card recently with a £4k limit and 19 months Int Free on purchases. I get the interest free bit but I have to pay the balance off every month or face the basic interest rates. Am I missing something with the interest free bit or is this the case with all 0% cards. The maximum Int Free period is…
Tesco Credit Card 0% fee existing customer?
I have a Tesco Clubcard Credit Card which has had a £0 balance for several months. They have sent me a 0% interest balance transfer offer but it has a 2.99% fee. Has anyone had any luck getting a 0% fee from Tesco as an existing customer? They seem to only do this for new customers.
Advice on balance transfer please
Hi, looking for some help with credit situation if anyone has time. I have 3k owing on an mbna card which is only interest free til june next year and I doubt it will be cleared by then, I have a natwest card with 2800 free (thats the full limit) and they are offering life of balance transfer at 6.9% with no fee, is it…
Interest charge on Santander credit card, told I had D Debit setup
Hello, I've sent a message to santander regarding my 'zero' credit card and I'm currently awaiting a response. I sent a message to them via their secure message tool online asking if I had a direct debit setup to take payment from my current account to pay off my credit card on 19th june. they replied on the 22nd. and I…
Just applied for a CC with £1200 balance transfer but only got £200 credit limit?
Hi. I just used the eligibility calculator on MSE and it said I'd have a 90% chance of getting this Capital One credit card when I also mentioned a £1200 balance transfer. So I went through and applied for it (again mentioned the £1200 balance transfer on their form) and got the card, only to then see they've only given me…
Struggling in getting a good 0% on purchase card
Hi all, Im struggling with getting a good 0% interest on purchase card. I have recently applied for 2 over the past 6months and before that I had a Halifax card for a year. Just a little background: I have never been in any sort of debt, Paided everything on the Halifax card when needed to (Which is now cancelled),…
Targeted Credit Card application through Online Banking?
Hi, Sorry a little background first to put it into context... I got into an awful mess years ago and have been rebuilding my credit history ever since. 6 months ago I was able to be accepted for my first credit card for 6 years with Aqua and a few months later I also secured one from Vanquis. I have been spending a little…
Oyster card
Hi guys I'm going to London so need to purchase some oyster cards. Can I purchase them from the TfL / Oyster website to get my 123 cash back or do I have to make the purchase at the tube stations? Ive been having a goggle but I cant find anything. Thanks in advance!
Credit card clarification.
Hello, I'm trying to figure out how the credit card minimum payment relates to statement date, so that I know when it is 'safe' to start spending money on the card, again. I'm not sure how to put it more eloquently than that, so i'll just give an example. My Vanquis card, was £205 / £250 in debt, at the end of the last…
0% credit card xfer
Hi Everyone hoping someone can help. I recently came to the end of my 0% period on credit card and so xfered balance over to new card offering 0% period however original card still asked for the interest I would have incurred if I had not xfer the balance and continued with the card. Is this correct? The last statement I…
Best credit card for Dubai flights
I am starting a house extension within the next six months and would like to benefit from the level of spending that will occur during this project. My aim is to take my family to Dubai to relax after the disruption has ended in my house and would like to know if I can use a credit card to pay for items so I will benefit…
Which Credit Card? - help please
Walked the path back from quite a sticky situation over the past six years - and have been Debt Free for about Nine Months now - Whoop Whoop Credit rating is nice and high - and all previous debt records are off my history Am growing in General Credit Confidence as have been pre- approved for a mortgage for a forthcoming…
Halifax Clarity reward payment
Am I the only one who has to call Halifax to have this applied in some months? Despite spending well over the £300 threshold each month (taking into account refunds etc), four out of seven months this year the £5 hasn't been applied to my account, meaning I have to phone to do this manually. The reward payment clause…
Building credit score
Hi guys, many years ago I got into a lot of trouble with many credit cards and had many unhappy years with debt and a divorce that was partly rooted with the huge debts I/we accrued. Fast forward 8+ years and I've found myself being accepted for a Marbles and a Capital One credit card (these were two of my creditors…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Credit cards

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Credit cards

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free