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Credit cards

Archives for May 2017

Refund Vanquis Credit Card "Credit"?
I have a Vanquis credit card which I used to buy a phone. I cleared the balance of the credit card as normal, but decided to send the phone back as it wasn't for me. I've now been refunded by the company and I am £400 in credit. Just wanted to know if it is possible to have this refunded to me, either as a cheque or…
Loan/credit cards
Hi guys. My credit rating isnt great and was wondering if any of you have had or know of a loan for bad credit? Every loan I seem to try for i am not eligible. Just looking to pay off some stuff so I am paying the 1 amount each month. Any help is appreciated. Thanks in advance
credit card blocking
Hi all, I was wondering if anyone knows of a service or anything that blocks your credit and debit cards so you can't spend say between 10pm - 10am? Thanks Cheesy xx[STRIKE][/STRIKE]
Transferring Partners Debt
Hi guys, Looking for some advice. My partner is about to give up work to start studying full time from September. She has some unpaid credit card debt. I'm thinking the best option is to get a joint credit card account, with a 0% interest rate on transfers, so I can then make the minimum interest payments to pay off the…
Securecode issues...
I work for a large online retailer who uses SecureCode in the UK & EU. I've found some customers are having trouble getting the SecureCode pop-up to show up large enough for them to see all of it and enter their information. I've tried to have them drag on the corners to expand it and open in a new window to see if they…
Best freebies from 0% card
Ello there, and thanks for reading the thread. Having recently got married, my wife and I are switching to a joint mortgage (which is pretty small) and extending it a bit to cover some fairly modest home upgrades. Mainly a new boiler as the old one was ratty and occasionally trying to kill us with CO emissions. The…
Secured loan to pay off debts?
Hi all, Discovered yesterday my wife has ran up credit card bills of £31000. She only earns £8000 so is struggling with payments etc. Thinking of getting a secured loan to consolodate everything and have an end to it. Other option is I transfer to mine at 0% and keep switching. But I think this could get complicated and I…
Looking for New Credit Card
Hi all Firstly thanks for looking at my thread. A few years ago we were not in a great place with debt. Its been a long road, but following advise on here, and a lot of hard work and over time, we have managed to get rid of all our loans and credit cards and have a much better mortgage deal. We both have a very good credit…
Can I pay some of my credit card off before 1st bill generation?
I have had a Barclaycard Platinum 25m interest-free credit card since 16/05/2017. I made my one and only purchase on it, costing around £5000, on 17/05/2017. This amount was reflected in the Barclaycard app almost immediately. I aim to pay it off manually, on the 29th of each month. I want to pay the first £125 today (29th…
Credit Card- please help
Hi So basically, my only debt is a TSB credit card with £2,300 owed on it. Interest is £33 pm, min payment is £55 pm. 19.94% interest I think. I haven't had any financial things before so my credit score is low. How can I clear this? Am I getting charged £88 pm on fees alone that won't clear the debt? This is quite a chunk…
Credit Card Eligibility Checker
Morning Everyone Just wondered about something. When I checked on the eligibility checker on Friday, one card showed as pre - approved, 100%, you will get this card etc. Today. I've sat down ready to sort out some finances and on checking again, it now shows 95% - does it change daily? Why such a change in a few days?…
Best global overseas credit/prepaid cards for long term travel
Me and my partner are about to travel the world, backpacking various different countries on a budget. We have been trying to figure out which type of card would best suit our needs. We are not sure whether the best option is a credit card or a prepaid cards. We ideally need low fee cards for cash withdrawals, card payments…
Are all Halifax credit cards so flimsy?
I received my Halifax Clarity card the other week and it feels very soft. It doesn't seem to be thinner than any other card but is very, very bendy. By comparison my Halifax debit card feels a much harder plastic, it flexes but nowhere near as flimsy as the credit card. Is this particular to the Clarity card or are other…
Barclaycard - View my PIN
I try hard to keep my online security as secure as I can. The Barclaycard mobile app now has a VIEW MY PIN option. Thanks Barclaycard, you're really not helping.
Credit card - Financial Ombudsman
Problem with a purchase on M&S credit card. Used Section 75 template to complain; no reply by 11 weeks although M&S did cancel my credit card without telling me (embarrassing at checkouts). Then per process escalated my complaint to the Financial Ombudsman who say that because I did not complain I have to write to credit…
Mobile payment freezing till
Hi I was wondering if anyone could clear up what might have happened as for the first time in all the times I've used my phone as a way to pay its been fine but this one time it froze the till and it wouldn't work. The phone showed the usual a tick above the lloyds card then the till randomly froze and the payment didn't…
Barclaycard- no transfer offers?
Hi, does anybody know if there is any way for existing customers to trigger 0% balance transfer offers from Barclaycard? They used to offer them every month for years and now when I am looking for one there is nothing. Have not had any offers from them in about nearly a year. Thanks
Credit limit increase
I have recieve a letter from Nationwide saying I can have a credit limit increase from £4k to £5k, it is one of my highest CC limit Does the increase improve your credit rating or make it worse??? (I know the score mean nothing) Also the fact that I did not request it, will i get hard search on my credit report if I accept…
barclaycard to barclaycard balance transfer?
Hello, bit of a daft question probably I need to do a balance transfer as my 0% is going to run out soon. I've used the free tool and my best option is Barclaycard. The card I have is a barclaycard, can I get a new one and transfer it? I don't want to do a proper application if it will be an instant no. My next best is M&S…
Amex ICC Euro alternative
Hi, I currently hold an Amex Charge Card in Euro, but I am looking for an alternative card as a backup - ideally Visa or MC. The currency of the card has to be Euro and I would like to be able to setup SEPA Direct Debit to my bank account in Euro. Unfortunately Amex is not accepted everywhere, but has all the other…

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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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