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Credit cards

Archives for November 2017

Help please
I think I've messed up somewhere. I'm trying to get on top of my finances and applied for a Lloyds 0% credit card yesterday. Good news is I got accepted and it said I could transfer £6555 over, which I duly did. I've just received an email to say it's been done but also a text saying that I've gone over 90% of my credit…
Barclaycard throwing their money around?
I have received an unsolicited letter from Barclaycard telling me they are going to increase my limit but will do a credit search first. Currently they offer me quite nice balance transfer offers every month and I don't want to jeopardise this by them seeing how much I owe to others. Shall I tell them to forget the…
Barclaycard problems
Hello, Quite a complicated one here.. Had credit card since 2000. Became disabled 2009. Reduced payments, interest free 2012. Increased payments interest free 2015. Barclaycard stopped payment plan this year, I complained. They tried to call a few times, but I emailed them to say I want a written reply and to stop calling.…
'Cash advance fees' and interest
Hi all I was having a chat with a lad in work today about credit cards and he told me that he had used his new card recently for deposits on gambling sites. He said that he had made 5 deposits of £10 and for each one, he was charged £3 - I explained this is probably because his card company would treat it like a cash…
DD to pay CC
Hi there, The story first. I have a Choice Rewards CC with £2500 credit limit and 0% for the next 8 months. Once I reach £2250 I pay £500 in. At the same time I've set up a DD for the minimum payment from my Club Lloyds. It never goes out because I always pay at least £1000 during a statement period and respectively the…
Accidental purchase come to light
My partner logged into a credit card account yesterday that he bought was unused. It was kept as an emergency card after being cleared a while ago. He discovered that he had accidentally used it to make an online purchase of £70 in July. Unfortunately he hadn't updated his mailing address with them when we moved three…
Chargeback Scheme
Does a merchant have any rights to appeal or any other avenues to explore in relation to recovering money lost through the consumer initiating a chargeback and succeeding with the process. As the consumer, I initiated a chargeback through my card provider after receiving faulty goods. The merchant disputed the chargeback…
Utilisation rate - HELP
Hi all, I recently applied for my first credit card. I have a question now about utilisation rate after reading some articles. Some suggest utilisation rate should not be over 30%. Is it true? I only have £250 limit with Aqua. My intention is to increase my limit asap. My current utilisation rate is 50.5%. Should I pay…
Barclaycard
I got the above travel platinum card mentioned on here a few months ago so I could withdraw Euros abroad. I thought I'd warn people who also have it that may get a text saying the following: It then gives a website link to click. Needless to say, I didn't click it and was immediately suspicious as I knew I'd set up a DD,…
Alternative to Nationwide Select CC
Nationwide have just informed my that they are dropping their cash back rate to 0.25% I try to pay on Amex where I can but some shops don't take it, can anyone recommend a good visa/mastercard cashback CC to replace to Nationwide Select. I fully anticipate Nationwide will be losing a lot of CC revenue this way...
Credit card / paypal
Sorry if this has been asked before My mother has paid for a holiday by giving her credit card details as normal , but has received a payment receipt from Paypal ( she doesnt have a paypal account ). Can anyone explain what is going on ? it is normal or is something dodgy going on ?
Verified by Visa - no longer asks for password
For about the past 6 months, the Verified by Visa security check no longer asks me for my password when making a purchase. I called Visa and the person on the other end said likely the vendors I was buying from are set up that they recognise me as an existing customer so automatically bypass the security check. However,…
Get a Free £45 to spend at M&S via MSE link
Hi Has anyone been able to get this credit card via this link? My husband (who has an M&S current account), applied 10 days ago, he got a message at the end of the application to say they would be in touch, but have heard nothing since. Reading an thread from earlier in the year this has happened to other people? Thanks
Best time to change Direct Debit?
I currently pay my credit card IN FULL by direct debit every month but will be switching the direct debit to my Reward account because of Tesco ending their DDs to savings accounts. When should I change the direct debit; just before my statement date or just after the the direct debit is taken?
Which Credit card will let me transfer partners debts
Hello, I am wanting to apply for a 0% of balance transfers credit card. Please can anyone advice which credit cards will let me do this and transfer my partners credit card debts to it ? Yes I know I will become the person reasonable for the money owed after. It is just we want to move in together and it is impossible with…
Halifax Money Transfer help
Dear forum I have a large overdraft on my current account and the Halifax have increased their OD interest rates to 1p on every £7. I am considering using a money transfer from my current Halifax credit card to remove the balance. Would anyone know if when the 36 month term ends, if I haven't managed to pay off the balance…
Capital one direct debit
Hello, My first direct debit is on 28th. I gave set to pay full amount. Just checking my account the DD has come out of my account 6 hr ago..at midnight..when will I be able to use my capital once card again..I mean when will it come up as funds available to spend again?
When do I pay my credit card bsck
Hi guys it’s my first time owning a credit card and I’m a little confused. I want to know when I pay my card off and the date this will happen. Say I spend some money in the middle of December on my credit card would I pay the amount I owe back at the end of the month or a month after I made my first transaction? Because…
Building credit history after moving to the UK
Hi I have recently moved to the UK, would like to start building credit history. What CC can I apply for? Checked aqua but it requires 3 years of UK address history which I do not have. Thanks.
Using Clarity Credit Card abroad
I have used my Clarity credit card in the past in Switzerland and Spain to make cash withdrawals without incurring any charges. Last week I tried to withdraw 100Eurus from Santander in Granada and was charged 5Euros. Has there been a change in the terms and conditions for making cash withdrawals?

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MSE News

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.
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 Payments 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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