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 June 2017

Credit card interest rates and Bank of England interest rates
Does anybody have any previous experience of how changes in Bank of England (BoE) interest rates link with credit card standard variable interest rates? For example, when BoE interest rates rise are credit cards likely to track those increases?
How to remove Delinquent account
So, I've had my credit card with the same company for 9 years. I got into some trouble, mental health wise, and decided I would agree to only pay £50 a month to them. They did not tell me what would happen to my account on my credit report. Anyway, a year after this happened, and 6 months since it finishes, I'm trying to…
Transferwise - chargeback or section 75
I have an item that has been delivered faulty from a merchant in France and paid them direct to their bank account through Transferwise using my credit card. I have contacted them to no avail and they don't even acknowledge my emails. Given that I've used Transferwise to make the payment, albeit using a credit card, can I…
Confusing about Barclaycard Platinum for overseas cash withdrawl
In here on the page on Credit card has the following for Barclay card Platinum: "The card's fee free overseas until the end of August 2022. Although that puts a time limit on it, it's five years away which makes it better in the long term than the card above, especially if you frequently withdraw cash" Need-to-knows There…
0% Rate on Closed Credit Card?
Hi All Sorry new to the forum. I recently switched to a Halifax 0% deal until 2020 with a £8000 limit and moved two of my other cards onto it. Sensible. I then had a letter though advising my limit was decreasing to £7,900 and that if i didn't agree i could close my card at the current rate of interest. I spoke to an…
appying for cards in UK but work in France temporarily
Hi All, this is my first thread so really hope you guys can assist. I work on a sub contract basis in france 3 months at a time, my flat is mortgage free in the uk which i rent for 450 per month, I want to apply for a credit card but don't qualify for one in france, my earnings are paid to me direct in france, so I have to…
Transfer funds from pre paid Mastercard to credit card?
Morning folks Im about to receive a £125 pre loaded mastercard from BT for taking out new broadband with them. Does anyone know if I can use this to pay off funds from my credit card or not? (also a mastercard) Many thanks!
Delayed transaction took me over limit
A credit card transaction has appeared on my statement today dated 7 weeks ago. It was never showing in my pending transactions and it does not display any merchant details like all the other transactions on my statement. This transaction took me over my agreed credit limit. It is referenced to a supermarket I use…
A new credit card?
Hi all I'm thinking of setting up a business part time and when my friend told me he has applied for a 28 month 0% purchase card with virgin it got me thinking. I currently have a clarity card and I have had for 2 and half years now. I pay it off in full each month with a 2k limit. I barely reach £500 sometimes a little…
Lloyds Credit Card Credit Transfer To Bank
I recently received a refund onto a Lloyds credit card I have. My card usually has nil balance but following the refund I was £77 in credit. I withdrew £70 from a cash point and I didn't think there'd be a charge for the cash withdrawal since I was in credit but there was a cash withdrawal fee of £3.00! I have just been…
Balance transfer with 2 cards?
Hi all, I'm new to using credit cards and not 100% if the following is possible. I have a card and the 0% interest is up shortly. I have applied for a new card but my amount won't cover outstanding balance on old card. Can I use 2 cards and complete a balance transfer from both to pay my old card? Any help much appreciated…
Stoozing / Balance Transfers
I currently have about £10,500 on my three credit cards (all in savings). One of them is due to run out of its 0% in a few months, so I will be looking at getting a balance transfer (to keep my stoozing pot), but I'm unlikely to get £6,000 credit limit (I'm guessing here as I've never done the 0% balance transfer before).…
Cant get a Balance Transfer and now charged Interest
OK, Basically i have a credit card and am now being charged interest on it (after a interest free period). i have tried and cant get enough of a credit card balance from other lenders to cover my current owed amount... My interest rate is at 18.9%. any advice on how i can bust thru this credit card paying as little…
Virgin Money Credit Card Application
I searched online and couldn't find a similar thread, so sorry if this has been asked before. I applied for a credit card with Virgin Money on Tuesday and it says i was successful. It said my credit limit would be £5500 and I received an email saying I would be contacted shortly with the details needed to set up online…
Advice on 0% credit limit
Hello, So, I need a new(er) car. I have needed a bigger one for a while and now mine is starting to show signs of electrical problems so want to change quick! I've got my eye on a couple of Fiat 500Ls - using my savings, part-ex of my car etc I think I need to borrow a further £2.5-£3k. My parents have offered this at 0%…
Section 75 and Removals Company
I'm hoping someone can help here... I'm about to book a removals company for moving home - they charge a 2% fee for paying by card... Obviously, for this 2% (~£30) I get Section 75 peace of mind, but I'm wondering how far that stretches and if it's worth it in this instance? I have contents cover which will cover me in…
M&S Credit Card Email
Hi folks, I've received an email from M&S about a new credit card, clearly intended for someone else (I receive an email for this person every few months :( ) . Obviously I want to let M&S know, but the email address it was sent from doesn't accept replies and I can't find one to forward it to on their website. Any ideas?…
Should I be covered by article 75 by my credit card
Last year, in August, I rented a car in Sardinia via AtlasChoice. I gave back the car without scratch and all was fine. However in Feb 2017, the Sardinian car rental company charged my credit card for the rental. After disputing the charge with my credit card, I learnt that AtlasChoice is now bankrupt and as the Sardinian…
Lloyds posting a verification code? How many days to arrive?
Lloyds sending a Verification code in the post? #How many days to arrive? When doing online banking, and setting up online payments, it is asking as a verification step for a verification number to be posted in the post, and then when this arrives, enter this number online to proceed. How long does this verification code…
Halifax clarity paying for holiday in Euros
Hi New to this. I have just received my Halifax Clarity card. Question if I use the card to pay for a villa in Malta that is priced in Euros will I incur any charges? I should point out i will pay from the UK not in Malta. I intend to pay off the card in full at the payment date. Thanks for any advice.

★ ★ ★ 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