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Credit cards

Archives for February 2016

Help me plan borrowing
We are extending our home this spring and putting in a new kitchen and bathroom. Budget is max 30,000 - we have 8,500 saved (aiming to top this up to 10 by the time work begins) Trying to work out most MSE way of borrowing the rest. Considering money transfer cards & one traditional cc to pay for the kitchen (4k).…
Capital one default
Hi all Years ago I got a £250 limit capital one card, used it a couple times and cleared the balance, at some point I moved house and had forgot about the card as if cut it up and forgot to change the address with them, some time later they caught up with me and had an outstanding balance due to ppi charges and late…
Can I...
Credit limit £1250 (balance of £0) Solicitors bill £1285 Can I pre-pay my credit card to put it on a +ve balance, and then make a payment to my solicitor using the credit card? The transaction will be higher than the credit limit, but the credit limit will not be breached. I do not want to increase my limit as I am in the…
Minimum Payment on BarclayCard
I've just put £10,000 on a 32 month BarclayCard balance transfer Credit card. Am trying to work out what the minimum monthly payment is so I can see what will be left of the balance in 32 months. Have looked on BC's website and Googled it but it appears to be a national secret as I'm still stumped. I've seen 2.25% a month…
Credit card money transfer to help-to-buy ISA
Hi all, Apologies if this has been covered, but I can't find anything on the search function. Would there be anything stopping me transferring (via money transfer) over £1200 from my new MBNA credit card to a newly opened Halifax Help-to-buy ISA, so I am able to open the account with the maximum permitted. The credit card…
Error in DOB in recent application
After checking my Experian credit report I can see I've might a slight error in a recent card application. I've put down my month of birth as December and it should be November! I'm Not sure what to do about this! Will this go against me? It was an honest mistake!
0% balance & money transfer Virgin cards
Any experience of credit limits for Virgin 0% balance & money transfer cards. There are quite a few on offer currently from 38 months & below & differing balance & money transfer fees. I have to pay off a balance of about 10K on my current credit card (0% deal coming to an end in next 7 weeks) & ideally want to borrow…
Post Office Website Dodgy
This is a comment about the poor service of the Post Office credit card. Specifically their website presenting false financial information. I can't trust the information being presented on the website. I logged on a lot of times at the start of December, and most times it wouldn't show me transactions from the last month…
Can I use my Natwest VISA Debit card in any ATM?
Hi, I have now got a NatWest visa Debit card but can I use any ATM anywhere to withdraw money from it? For example: outside a post office near my home Please help thank you
Which debt first?
I have two sets of debt and I have the opportunity to clear one. Lets assume I have no opportunities to stooze or overpay on either and have no savings Credit Card - If I clear it, then I do not have to worry about interest after the interest free period ends which is next month. If I leave it, then the APR is roughly 18%…
New customer credit card to help credit rating
Hi all, just wanted some opinions / advice. I have a credit rating which, according to clearscore.com is on good ground. I'm above the UK average with only two negatives, but it's in the green, which is good! The negatives on my credit rating is my applications for credit in the last 12 months (probably due to the new car…
car finance & balance transfer
Hi All I have an outstanding finance on my car (HP agreement). Is that there a way to use cc 0% deal to pay this off? Thanks!
Tesco CC V Nationwide CC
I have both these cards, at the moment I do all my spending on the Tesco one and pay of when due in full, I do this to get Tesco points. would I be better off using the Nationwide one? I understand they do cashback or something.
Visa Card - Where to check Statement
Guys, I wonder if Visa Europe or Visa UK have any website where could I check my Visa statement (activity statement) for my card as alternative to the online banking available on the website of the bank that issued my card and/or where I hold my physical bank account? Due to this website moneysavingexpert forum rules, the…
Rights when buying a car
I am hopefully going to purchase a car this weekend. It has the statutory 3 months warranty. My question is if I just put a minimal amount on the credit card, what exactly are my rights after the 3 month period?
Travel Card with Reward
Hi all, First post so go easy! I'm looking for something quite specific...a travel card with a reward program. Basically, I do a lot of international travel with my job. I'm using a Post Office Mastercard which has no charge for foreign currency transactions. It would be great if I could get a card which had some kind of…
Nationwide "Select" (Visa) Credit Card
Just applied for and received the Nationwide Select Card (I have a FlexDirect current account). I got this card for the £25 cashback (direct from Nationwide) and one year balance transfer with no interest and no fee. I've been reading the details again and the card also has 0% interest on the purchases for the first 12…
Making finance repayment on credit card
Hi, I am struggling to find a clear answer to this online. I had to take get a new boiler fitted at the end of last year at short notice and had to do so on finance. Since then I have picked up a new credit card that has 0% on purchases (sainsburys). I can make additional repayments against my boiler finance (back by…
continious renewal charge
Hi Anyone know the law regarding insurance companies holding credit card details on record? I paid the balance of my sons policy last year when he couldnt afford the monthly payments anymore. They are now stating they will renew the policy with my card details! I have asked them to cancel the policy which they are refusing…
Nationwide: do they allow multiple cards?
I am quite interested in a Nationwide Select Card. At the moment, I have an ancient Gold Cashback card. I don't like to upgrade it as it is the only card that still carries the Extended Warrantee benefit. Does anyone have experience to apply for a new Nationwide card while holding one?

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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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