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Credit cards

Archives for January 2017

Santander 123 - Getting rid
Hi all, Anyone else getting rid now they have slashed the rates? I used to have a Barclays card which I took out for a holiday deposit and NEVER used in about 1.5 years, Then I got this one and have been using it every month and paying off in full, making money on it. Made about £140 since I had it. No point in it now…
Section 75 failed
Bought a watch online from a nationwide jewellery chain. It arrived and I came to the conclusion it is used/display as there is a scratch next to the bezel and fingerprints on the strap. :mad: Time wasters. Returned it asap by RM special delivery. RM tried to send it back to me as delivery failed. I missed the return so…
Is there a point owning 2 credit cards ?
Hi there, I've asked you in a previous post what would be the best card for me between and Amex Cashback and the Amazon Platinum Credit card. The Amex Platinum Chargeback was the obvious choice. Now there's still a small amount of my monthly spends that I can't do on my Amex (I'd say around £100-£150). Would it make sense…
Bank vs credit agency
Little puzzled - just been turned down for credit card. Which, ok. I rang the bank to ask if there was a specific factor to this decision - call centre chap said it's down to credit agency, and they used Experian. Ok. I go to Experian, set up and check my credit score, and they specifically say the decision to award credit…
Paying off finance with CCard
I'm coming to the end of my 12 months interest free period on my kitchen finance with Homebase and was looking for some advice on which kind of card to get A) pay on an existing card then balance transfer B) get a new card and do 0% on purchases (I guess paying of finance is a purchase) C) get a money transfer card and pay…
Card eligibility form, MSE site security?
Sorry dont know where on forum to ask this and it might have been asked before. Why is there no security ie, padlock on page, for the eligibility questionnaire on the MSE site. Surely giving details like this is not a secure thing? Please advise, Thanks.
Credit card rights advice
I was buying tickets the other day and went on Viagogo Said 2 tickets were £74 which was more than face value but thought i would get them. It came up with a timer saying you have so many minutes that they are being held for and so rushed me through the checkout and didn't have time to read the terms and conditions on the…
Can you decipher this for me please? (minimum repayment)
Hi Can someone decipher the following minimum payment text for me please: 'Interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or £5 whichever is highest, or your statement balance if less than £5.' So, on the basis of: - £1,000 balance - 0% interest rate…
Credit card after re-mortgaging
There's strong advice that when you apply for a mortgage it's good to have been dormant with any new credit card applications - for say at least 6 months to be on the safe side. Does the reverse also apply? Would re-mortgaging automatically have a negative effect on any credit card applications that might follow shortly…
Tesco 40 Months 0% Incorrect? Looking to Balance Transfer
Hi, I've got just under £1000 on my Santander 123 Credit Card. As my 0% on spends has finished and they have upped the yearly fee it's no longer beneficial for me to have this card. I did the eligibility calculator for balance transfer cards on this site and several came back at 80% chance of being accepted. I think Tesco…
Eligibility checker accuracy?
I've been using a few eligibility checkers/calculators from different sites recently to try and work out which credit card I'm most likely to get if I apply as I've never had a credit card before. I've noticed that across the sites (MSE, MoneySupermarket, Noddle etc.) I'm getting very varied results, which I guess is to be…
New card advice
Evening all - new user, be gentle! I'm close to paying off my Virgin Money credit card, which has a £6k credit limit, which still has 8 months 0% left on it. I was going to clear it, close it and then apply for a new card elsewhere to hopefully get a similar credit limit (as got a holiday to pay off and a long 0% offer…
Question about rebuilding credit
I have had an agreement with my credit card companies for just over four years to repay debt after my home circumstances changed. I have been paying a nominal amount regularly but as I am mid fifties, single and earn just enough to pay my living expenses, I am thinking of asking my credit companies to write off the debt as…
CO household income info question
hello all, just after a bit advice on my cap one card, its my sole name and it has been frozen for a while due to disability causing a drop in income i have the option to renew the freeze or set up a payment plan and as im now in a financially slightly better place i want to set up a payment plan to start chipping away at…
Balance Transfer / Too Many Cards, Apply for another?
Hi All, Before I apply for ANOTHER credit card I thought I would seek some advice, Currently I have the following Cards: MBNA Credit Card - (Credit Limit: £6000) - £0 Balance. Nationwide Credit Card - (Credit Limit: £4500) - £0 Balance. Barclaycard Credit Card - (Credit Limit: £5500) £4,761.28 Balance. I want to Transfer…
Balance Transfer Credit Limit Issue
Hi - new to site. I have just used the balance transfer tool. In the application I stated the balance to transfer was £3506. It went through the checks, accepted the application and opened an account with Barclaycard. Only then did it say that the credit limit was £260 so the transfer could not be done. I now seem to have…
dave2213
Hi My credit file looks OK nothing bad on there. score fair to good. whenever I try the soft search on this site for cards or loans I get a firm 0% chance every time, can any one tell me why. Thanks
Balance transfers
Hello, sorry if there are many posts the same topic but i'm struggling to find the information. I currently have a credit card that has interest rate straight away (naïve and didn't know about 0% interest cards!) So my question is, can I apply for a 0% interest card and transfer the balance of 4,500 onto this and then pay…
Virgin Atlantic/MBNA Free upgrade problem
I’d like to share my current situation with Virgin Atlantic and MBNA. In August 2015 we as a family agreed to take a holiday to San Fran in July 2017. At that time Virgin/MBNA were offering 2 credit cards, Amex and Visa at a cost of £140 a year. For this you would receive airmiles plus up to 2 free upgrades and a companion…
Does Section 75 Cover Additional Card Holders?
Apologies if this has been mentioned before but if it has then I missed it! On reading The Money Section of the Saturday Times this weekend, I was surprised to find out that Section 75 may only cover the main cardholder and not additional cardholders. It was pointed out that this is the case with Barclaycard. Their website…

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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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