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Credit cards

Archives for August 2018

Halifax CC or Barclaycard
I’m looking at applying for one or the other, in your opinions which is best - the Halifax Clarity or Barclaycard Platinum - for everyday purchasing - settling in full each month. Rarely go abroad, maybe once every 4 years.
Aqua Minimum payment changes
I have noticed on my Aqua account it's saying that I owe an additional payment of £280. It then says my contract amount owed is £0 because I've already paid the minimum this month. Does anybody know if these new changes mean that I can continue to pay the minimum each month? Or do I need to start paying the minimum +…
Moving from interest paying CC
I have an Amex and a Tesco Bank credit card, both which I'm paying quite a log of interest on (nearly £150pm). My general credit limit isn't good enough for me to get a 0% card so that I can balance transfer both of them, do I have any other options?
Minimum Payment: £0 on Internet Banking but £25 on Statement
I've been tidying up old photos from my phone and came across a screenshot I took of my online account for my BA Amex card back in February 2015. I remember that at the time, I was new to credit cards and I took the screenshot, because I had a balance to pay for the month, yet the online account was telling me my minimum…
Does anyone else find M&S Bank's fraud department to be a bit overzealous?
When I first got the card, it was nigh on impossible to actually use the thing as half my transactions got flagged up. I've now had the card for around 8 months and I still get transactions declined. The other day, I tried to place an online order for just under £500. Declined, with no reason why. As I've had issues…
Swapping down rewards credit cards - credit rating effect?
Hello Just wondering if anyone knows if there are any negative consequences for changing from an Amex Gold Card down to Amex Blue Reward card? Want to try and avoid the Amex Gold Annual fee but would rather not change down if it will affect my credit rating as thiknig of applying for a mortgage soon. Grateful for any…
M&S credit card - foreign currency rate
Just for anybody who uses an M&S credit card to purchase foreign currency in their stores - but has a Debenhams with a foreign currency desk in convenient travelling distance. Thanks to MSE Travel Money tool I'm always finding a better deal at Debenhams, even compared with the preferential rates offered to M&S credit card…
what credit card
Ok thanks for looking in,i have a very account with about 1800 on so each month paying interest on it and each month is mostly paid interest when i make a payment. Now ive never missed a payment,i had really bad credit years ago so i am looking for advice on a a 0% credit card i can try and apply for so i can pay off my…
Barclaycard on Google Pay
Hi, I have a Barclaycard cashback VISA card and have been using it for many years alongside my Amex Platinum and a couple of bank debit cards. Over the last year I've found myself using Google Pay on my Android phone more than cash, to the extent that I've actually stopped carrying my cards with me. However, I'm still…
Can i pay off one cashback credit card with another, for double cash back ?
If i have 3 cash back credit cards from different providers each providing say 1% cashback, can i make an initial purchase for £1000 on card A, (get £10 cash back), pay off card A with card B (another £10 cashback), pay off card B with card C (get £10 cash back), finally pay off card C with my debit card. In total that…
Credit Card Fees
Recently paid off the balance of a cruise which was booked May 2017. Paid over the phone and that was fine. I then got an email a day later saying I needed to call back to pay the "Card fee" of £44. The card fee which was shown on the bill that i called up to pay off was £3.75. So i'm not sure why they are now saying it's…
Help!
I have a problem, and my apologies if I've posted in the wrong place. I ordered a Sainsbury's 0% credit card a couple of weeks ago and had wondered why it hadn't turned up. It had. My sister had intercepted both of the letters (one with the card and one with the pin) and by the time I'd got it she'd maxed the entire £1,200…
Vanquis ROP Help
Hi all, I activated a repayment option plan in 2016, Vanquis froze the accounts interest, I cleared the balance and reduced the limit in 2017 but since worked back up to 600 or so. They've now cancelled the ROP, closed my account and have registered a default on my credit file dating back to September 2016, when the plan…
Credit card application timing
Really appreciate everyone’s advice: My girlfriend is looking to apply for a builder credit card. No defaults etc but no real credit history for a future mortgage application - hence builder credit card. Anyway, she just took out a new phone contract. How long do we feel she should wait before applying for said credit…
Balance transfer query!
Hi My husband had 2 cards nearing the end of their 0% term. One with £2400 on (virgin) and one with £1500 (barclaycard). He wanted to put them both on one 0% card so applied for an M&S transfer. Put all details in an was accept with the transfer amounts. Fast forward 2 weeks and after sigining his credit agreement the card…
Balance Transfer options
I currently have a Vanquis card. Credit limit £1000 and currently sitting at £940 used on it. Paying it off every month via minimum payment direct debit plus extra when I can. due to the high APR nothing really seems to make a dent in the balance. I have been pre-approved for some Capital One cards and wondering if it's…
Card Error
Hi All, Sorry in advance about the long post! I had a card I don't use very often, especially after I had an issue with it a year or so ago where they failed to take payment from my current account and then charged me for it (I managed to get that sorted). However, I took a chance, and used the card to buy some expensive…
How to use up the remaining 5% AMEX cashback?
So, a bit of an odd question. I have the promo cashback with AMEX running until the 2nd of September. While I've been able to use the card pretty good on getting cashback on a tumble dryer, freezer, washing machine and the usual shopping, I've "only" spent about 1800 since I took it out, and feel sorry to "waste" the last…
Euro travel card
I have quite a lot of euros in cash and as I'm going to mainland Europe for six months I want to get a bank card. Is there any way of getting a card? It clearly makes no sense to use my debit card to convert sterling to euros when I have euros in cash. Needless to say though, I don't want to carry around a bag of cash.…
Credit card shuffle?
Hi all- All advice welcome- I have 4 credit cards close-ish to max limit. I pay minimum payment every month but can't afford to do much more. I now have a sum of money which I can use to pay off a significant chunk of one of the cards. I understand the principles of interest rates and will target this payment to the amount…

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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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