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. See the Community Noticeboard for more info. 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 September 2018

Need VERY simple advice re credit card debt
Mh issues, poor maths skills. Got a credit card last year due to over optimism and moving house and wanting to rebuild credit rating. Currently £874 balance, 34.9% interest, paying JUST over minimum each month, their online repayment calculator says it'll be paid back in 2 years. Wondering if I can balance transfer to…
has anyone applied for a Sainsbury's credit card recently?
I did on Thursday and it said my application had been accepted and they were giving my a credit limit of £6500, however I got distracted by a phone call and the website timed out, and I never got a confirmation email or any email from them. Is this normal or should I reapply?
Creation (Asda) blocking cards with no notification
It appears that Creation like to proactively block credit cards (no complaints there) without informing the customer that they've done so (this I do have an issue with). Has anyone else experienced this? When the Ticketmaster hack happened in July I was sent a letter that arrived ten days after my card was blocked and it…
Credit card charges by retailer ?
I want to buy a vehicle, for £7,000, and pay with my credit card. The retailer wants to charge me £40 per £1,000 if I pay with the credit card, “because that’s what it costs them” or there’s no charge for banks transfer or debt card payment. Is this allowed ? I was under the impression that these fees were illegal now ?…
credit card - made a massive error, help needed asap
hello all, I took out a credit card a few months ago, and decided to look at the online statements this evening, i have discovered i have been hit with interest. I currently have a min interest DD in place, so was confused. I thought i had a min promotional offer on balances on my card, but i dont, instead i have a…
New Balance Transfer - Eligibility Check
I've got about 14k all on 0% deals. Now I have about 28k limit on all my credit cards combined. I want to apply for another card with a longer 0% balance transfer deal. I'm slowly paying the balances off and a longer deal will help me. I've been looking on the eligibility checker on this site and even without knowing my…
SECTION 75 claim
Long story. Ordered a chair Dec 27 2017. Delivered in February. All paid with Tesco Credit Card and paid off end of each month Unfortunately I wasn’t aware of the 30 day rule for a full refund. So I was a week late making my complaint. This chair was almost £1700 I asked for full refund told I had to accept a repair. I…
Balance transfer question
Hopefully I'm in the right forum. I'm living overseas currently and doing a UK MSc (distance based) which I'm paying for on my UK credit card. I know it's not ideal, but it's the only way to pay it and there are job/income benefits afterwards. I'm in my final year and I have two credit cards with my UK bank, one (card A)…
Creation Everyday Card Rate Increases.
Both myself and my partner have Ceation Everyday credit cards to use abroad for the 0% forex. Weve both had letters saying they are increasing their interest rate from 12.9% to 19.9%. Whilst this doesn’t affect me as I never carry a balance it’s a huge increase. It’s quite shocking. I feel like closing the card on…
Balance transfer
Can anyone advise plz. I have tried to get a 0% balance transfer CC to transfer a balance of 3100. However I have only being accepted for a limit of 660. I am now unsure of what to do as have two CC but can’t trasfer the whole balance. Any information will be very helpful thanks
Aqua: Paying your monthly bill
Hi Guys, My first bill has come through for the month´s Usage. Since the time the bill has been generated, I have made one or two more purchases. I need to get this clear: assuming that every month I want to pay the card off in full, I need to pay the full "bill" total or get the card´s Available Spending Credit back up to…
Lloyds and Halifax change credit card repayment rules - make sure you don't overpay - MSE News
If you've set up a direct debit to pay off your Lloyds, Halifax or Bank of Scotland credit card and then make a one-off additional payment, your direct debit now WON'T be adjusted - so make sure you don't overpay...Read the full story: 'Lloyds and Halifax change credit card repayment rules - make sure you don't overpay '…
Anyone had a GOOD experience getting a CC with a PoA?
Mother banks with Barclays. I have PoA for Mother. Barclays generally OK for managing the account. Mother wants a credit card (to pay IN FULL). Barclays are insisting on talking to her in person which goes against the spirit and the letter of the PoA. I am now looking for an alternate Credit Card company but wonder if…
transfer from Tesco card to Tesco card
OK a bit long winded but I have an old card with very little "0" interest left and a small £1K balance, I want to move the balance to a new card that Tesco have let me have with 3 years interest free, this will tidy things up, leave me with one card amount to pay per month and I can cut the old one up. But I understand…
Best credit card
HI, So i have had the barclaycard since 2013 and the credit limit is really low although i pay my monthly expenses each month, i only use the credit card to help improve my credit score. I have never missed a payment but not happy with the limit. What credit cards would you guys recommend benefit and interest rate wise?…
Vanquis Card Application - call back question
I applied on the 25th for a Vanquis card to help rebuild my credit. The intention is to use it for my diesel for the month and pay the full balance each time. Anyway, it asked me for two contact numbers when I applied, one of which must be a landline. I do have a landline installed thanks to Virgin having it as part of the…
0% credit cards - credit limits
I'm thinking of applying for one but they all say "based on assumed credit limit of £1200. How likely are they to give a higher limit as I need about £3000
accidental payment
I accidently paid £350 to my cashplus credit card instead of into my other bank account. I phoned my bank who said they could not reverse the payment. I phoned cashplus and they said that I could with withdraw the money from cash machine so that I could pay into bank. I tried to make withdrawal but declined. I phoned again…
Halifax not sending credit card statements
I didn't receive a statement for my Halifax Gold credit card in July. Thinking there was nothing on it, I just forgot it. But when I received my August statement I found that there was indeed something and that I was now being charged interest for not paying it off. When I phoned Halifax, they were very good and refunded…
Credit raises
Do credit cards issue increases based on your payment history AND the amount of your limit you use or just on your payment history? I have an Amazon Platinum card with a £500 limit and ideally I'd prefer at least £1,500 so I can use it for larger purchases every so often. The problem is I only really use about £150 of that…

★ ★ ★ 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