Credit cards

Archives for February 2019

PayPal Credit - Changes
Good afternoon, Apologies in advance if this is in the wrong area of the MSE forums. I've had an email from PayPal stating they are making some changes from May 1st, 2019. 1. Standard variable rate of interest will increase from 17.9% p.a. to 19.9% p.a. As a result, the APR will also increase to 19.9% APR (variable) This…
Urgent credit card debt help needed
I’m hoping you may be able to help with a difficult situation regarding my partner’s credit card. The deadline for the next payment is tomorrow and he thinks his only option is to freeze the card. He’s between jobs and was unable to make last month’s payment but has always previously been prompt. He phoned Mastercard who…
0% card to improve house for remortgage
Hi there, I'm a few months away from remortgaging on my house. It would appear to have gone up in value from two years ago when we first bought it, but I'd love to get into the 85% LTV bracket, so want to do everything I can to maximise the value to get the lowest monthly repayments possible. I only have about a free £800…
Need a credit card for work
I've just started a new job which will involve a substantial amount of travel including flights and hotels, and assumed I would either get a company credit card, or travel would be booked on a system and paid upfront. Not so! Found out I will need to front all my travel and reclaim. So I'm looking for a long term 0%…
balance transfer whilst abroad
Hello everyone, I really need some help and hope you have the time to respond to me. I have been traveling since December 2016 but also working part time, online as an English teacher for a Chinese company. (Currently living in the Philippines). I took out a virgin media credit card before i left, I've always paid the…
Just some simple questions
These questions may be obvious, but I just can't find it explained somewhere in words I understand. I've got a Tesco CC that I have about £2k on it that's taking me longer to shift that I expected. As such, after years of always paying it off, i've now not paid off the card in full for a few months, and so am getting…
Eligibility checker when you already have debt on 0% interest cards
I've searched because I'm sure this must have come up but I can't find anything that really answers it. We currently have 2 interest free credit cards with £13k debt between them. We always pay a lot more than the minimum and do not spend on these cards. We have no balance on our 2 regular credit cards. We have £16k left…
Virgin Mastercard Rejection, help me understand why
I just applied for a Virgin Airlines Mastercard and was rejected and don't understand why. Here are my stats. I'm an American but have lived in the UK for 8+ years (also a UK citizen now). I am currently unemployed, but our household income is over £500,000. We have only one other UK credit card with a £12,000 limit and…
Overdraft Transfer
I have recently taken a new Barclaycard out with 0% transfer for 20 months and moved my Aqua card balance to it. I have an overdraft of 3000K with TSB and have 1900.00 a month goes in for my wages so always in the red. Shall pay off my overdraft with my Barclaycard and cancel the overdraft, very confused!
Help with CCJ
Hi, So long story short I moved out of the UK for 18 months and during that time a family member of mine took out 4 credit cards and a loan out in my name without my knowledge, he then never paid them and 1 has gone to a CCJ. I've contacted all the companies and all apart from the company who applied for the CCJ are…
Money transfer card help
Hi I’m after advice please, I have a loan for 3.5k which I’m paying off and paying 7% with NatWest. However I have a unexpected bill to pay so I was wondering if I should get a money transfers card for 3.5k plus £500 for the unexpected bill (4K total) have the money put into my bank account, pay the loan off and then pay…
TSB blocked my account
Hey there I need some advice and help as I rang up Tsb yesterday, because I wasn't receiving my money into my bank account. Then when I rang up TSB, the person over the phone said that my account is blocked over on Tsb side. I don't see why it should be when my bank card is 4 weeks old up to date, I was wondering if anyone…
Credit Limits & Bank Transfers
Hi, I am looking to get a new credit card to help pay for some house renovation work. Are there particular providers who offer up decent credit limits or is this all based on individual credit score? From experience of taking out cards previously, I recall only finding out the credit limit after the application process, so…
Contactless Security problem
Today I tried to use my normal Debit Card at Sainsburys and used my wallet to shield the PIN. In the process the machine chose to read the contactless credit card from another bank that was still in my wallet, instead. :mad: According to the NatWest call centre there is no option to have one of their credit cards without…
iTunes subscription not working. How do I get my money back?
Hi there, I have a subscription to Hayu for the house however it has stopped working even thought there is an active subscription. I pay this subscription through iTunes. iTunes will not take any responsibility saying that I need to talk to that app developer. The app developers are unresponsive. I pay this subscription on…
New cap1 card advised for aqua transfer.
Think as cap1 are pre approved since I closed luma card last year. Is it sensible to apply for another cap1 card with 6 mths 0% balance transfer. I could then shift some aqua card debt across and try and re pay a considerable sum over next 5 mths approx. Only any cap1 sum left over after 6 mths could then revert to…
CC Financial Assessments?
I got this letter recently from Lloyds saying they are refunding me undue charges after a assessment or review of my account? I did not request this they done it themselves? Can this be done in all credit card/bank account or even all financial products like mortgages and insurance?
Credit Card for Credit Scores.
I'm not sure if this is a weird question or not but i don't seem to be able to find or maybe understand any relevant credit card options that relate to my personal circumstances but i'm sure i can't be alone ? I don't have a bad credit history and i am not in debt. But i am looking for a credit card to help boost my credit…
Payal credit card to bank account
My fiance needs a new car. We have been looking at loans for 7.5k but the rates that she received are 6-12%. She has 0 outstanding credit. Sainsburys despite offering her a loan for 9% for 7.5k. Gave her a credit card for 6.5k at 0% for 22 months. The issue is that most dealers do not accept card. I was thinking if she…
MBNA Now Running On Lloyds Web Interface
MBNA has now gone over to the Lloyds web interface. Just a heads up to be aware that what you see at first glance is different to what it used to be. Outstanding balance is now cleared outstanding balance only - used to include pending transactions - but available balance includes pending and includes my DD payment due…

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Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
Broadband and mobile firms should be banned from hitting their customers with unpredictable mid-contract price hikes, consumer group Which? and charity Citizens Advice have said.
Martin Lewis: Do you have a Power of Attorney? It’s crucial protection – not just for the elderly – and more important than a will
Do you have a Power of Attorney? MoneySavingExpert.com founder Martin Lewis explains how this crucial protection works, why it's more important than a will, and how to get one in the latest episode of ITV's The Martin Lewis Money Show Live.
Second cost of living payment paid to millions – here's who qualifies and what to do if you haven't got yours
More than eight million households on certain benefits and Tax Credits have now received the second third of their £900 cost of living payment.
50+ beauty dupes for big brands including Elemis, Charlotte Tilbury, and Fenty
At MSE, we’ve challenged you to ‘downshift’ your grocery shop for years (check our Downshifting Guide ), but you can also save on make-up and beauty products by downshifting from brands to much cheaper ‘dupes’ – lookalike products, where often even the packaging is similar to the expensive brand.

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