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. See the Community Noticeboard for more info. 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 May 2016

CC - old transactions on CC - help please.
A company has just put through three transactions that were made on my card in February! Are they allowed to do this does anyone know?
Halifax not taking cash payments over counter anymore for Clarity ?
Being disabled I ask friends to go in branch sometimes if I want to make "extra" payments more than my normal direct debit. Never had a problem in the past - just gave friend credit card and money - they go in and pay it - come back with card and receipt...........until today. Informed today they don't take payments over…
interest charges
My partner and me paid off our credit cards in full in middle of may yet she as had interest charge put on but I havnt paid then on same day don't no y
Austin Reed - I know it's not money saving but...
... I paid in full (£500) for a bespoke suit on 23rd April and it was announced today that they've gone bust! Should I wait for contact from the administrators or go straight to my credit card company to try and get the money back?
Help, please :)
Hi, OK - not afraid to admit this but over the past few years my handling of credit hasn't been the best - however, thanks to this wonderful site, I've taken on board some of the hints and tips to manage credit more effectively and I am now eligible (and been successful) for a Barclaycard with 0% for 18 months on balance…
Please help
My car gave up the ghost a few weeks ago, we needed to replace it asap we found an identical one on Gum tree with a private seller. My husband paid the man from his credit card into the seller paypal account the amount of £800 the rest we paid in cash (£400). The MOT was done on the 13th May we bought on 22nd it had 2…
Ray Knowles
Hello. I am very new here having only just joined a few minutes ago. I ask for advice. I want to get a loan to combine all my debts about £10,000.00 and pay it off over a few years rather than pay each individual creditor. All my creditors are credit card debts with one car loan. MBNA have the option of £10925. with 4.9%…
Can I do this transfer?
I have a barclaycard with £605 on it, I pay £7 a month in purchase interest and 0% on balance transfer I did to it. I dont want to be paying the £7 a month cause I am tight lol, can i transfer the balance over to my vanquis card, then transfer it back to get 0% balance transfer deal on the lot? :o
£30 M&S Voucher?
Just received the paperwork to sign for my 0% M&S card and although it mentions the introductory rate, there's nothing about the £30 M&S voucher. Is this normal or should I ring up and enquire?
MBNA up for sale
http://news.sky.com/story/1702898/bidders-circle-7bn-credit-cards-giant-mbna This seems to have come in under the radar. A consolidation of the credit card sector would reduce competition & maybe curtail the crazy interest free periods currently on offer?
Full & Final Settlement Advice
Hi everyone, First post on the forums - hopefully I haven't put this Q in the wrong section...! Some advice needed. I currently have credit card debts totally almost £30,000 (£13,000 of which is secured against my mortgage) with 4 different companies. I initially used Step Change over a year ago but there was an error with…
Barclaycard 25/25 - general advice?
Hi all, I recently applied for the Barclaycard 25/25 and was accepted. I've only ever used a subprime CC (Aqua) so just want to make sure I am using the Barclaycard correctly and efficiently. I will be mainly using this card to make purchases for our wedding next year and plan to pay everything in full each month although…
Balance Transfer - advice required
Hi, I am in a position where I have built up a balance on my Barclaycard Cashback Amex/Visa of around £2500, but I hope to be in a position to pay this in until early to mid 2017. I have the following credit cards: Tescobank - had this since 2011 - nil balance Barclaycard - had this since 2013 - £2500 balance Natwest - had…
Post office CC messed up direct debit
I took out the Post office credit card due to the 27months 0% offer, Set up a direct debit to pay the minimum. I just checked my statement and they charged me a late fee even though I set up the direct debit well before the payment was due and it is active on my bank account and on theirs. So WTH? Will I lose my 27 months…
0% Credit Card - Euro Purchases or Preloading Euro Card?
Hi, I wonder if anyone can help me. I'm getting married in 4 months time abroad and paying for the wedding when getting there in Euro - as well as needing spending money etc. I'm going to be around 4-5k short - so thinking of options on how to get this. I was hoping of getting a 27 month 0% credit card and I'd have no…
Credit Card Fraud many years ago
Hi All. im talking about 8 years ago here. But i was on a night out (not drunk) The next day a £30.00 transaction was drawn from my account and also a £10.00 transaction (i had lost my card) Egg refused this as fraud and said that my pin was used in the cash machine first time and wouldnt treat this as fraud. I managed to…
Section 75 query
Hi, Am well aware of the section 75 rules for credit cards, but I have a query regarding an international purchase. I bought a product from the USA which was £92.85, but does not include the VAT / customs charges. When this is added the purchase will be over £100. As the item I have ordered is not going to be available for…
What precentage of the total credit limit should you use?
Hello I am still in high school and I just got my first Capital One secured card when I turned 18, they gives me £200 credit limit after I paid £49 deposit. And now I am wondering how to improve my almost blank credit file, I heard that you shouldn't use more than 30% of your CL to get a good credit score, is that true?…
Sainsbury and Clydesdale/Yorkshire Bank card limits
I am approaching the end of a 0% purchase deal on a Tesco card so was thinking about a new card and who is likely to offer a decent credit limit. Sainsbury's is currently offering 27 months at 0% and Clydesdale/Yorkshire Bank is currently months at 0%. Does anyone have any experience of these providers- how generous or…
BT Question-How it works
Good afternoon, Recently I made a balance transfer to a First direct credit card 0% for 27 months. My questions are the following: 1) I have some limit spare after the balance transfer so if I make let's say for example 20£ purchase and the minimum payment is 15£...how much do I have to pay in order to not be charged…

★ ★ ★ 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