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Credit cards

Archives for December 2019

Charged incorrect interest?
I think I have been charged incorrect interest amount but I’m not completely sure. So my balance which was due in November was £277. I mistakenly paid £271. So they charged me interest but the interest is £24 and my annual rate is 30.3%. I’m sure that would make the interest around £7. My new balance which was due in…
Shortening my 0% B.T offer for no reason
My credit card provider has sent me an email today saying that my 0% offer is coming to an end 10 months early (almost half way through the introductory offer period) without any reason and without me missing any payments. It feels almost like a scam/trick tactic. My question is can they really do that? Are they in…
Vanquis
So I currently have a Vanquis credit card, that I have had now for over a year. Had one credit increase in that time, up to £1000 now. I am wondering how long it will be before I am able to look for a balance transfer card on this? My balance is around £600. My issue is not paying this card off, I am doing that just now, I…
No longer receiving Amex cashback offers
Typically I would have about a dozen offers available on my Amex card for some sort of cashback. I checked a few weeks ago and there were only two. Even Shop Small which should be available for everyone wasn't listed. Yet someone showed me their account and they had the usual dozen offers listed. I contacted Amex who said…
Can you have two credit cards from same supplier?
I'm looking to shift money owing on my Virgin card (just out of its 0% time period) to another card offering 0% with a low fee. I used the eligibility checker and it suggested that I was pre-approved for a MBNA balance transfer card.. 0% and with a 1% fee which seems excellent. The thing is though, I already HAVE an MBNA…
Blocking cash withdrawals
Annoyingly my wife keeps withdrawing cash on our Nationwide credit card by mistake - rather than our current account. And incurring the cash withdrawal fees. Has anyone successfully got their bank to block cash withdrawals on their credit card ?
Balance transfer options
I have £2000 on a credit card, I keep making minimum payments as I’m currently a student and can’t afford much more than the £60 minimum each month. Due to the interest free period ending, I am making these payments and it’s like a drop in the ocean by the time they take the interest. I want to do a balance transfer so I…
No Notifications
I just want some advice. Based on Poor math I went over my credit card limit by £1.69. I have been charged a £12 Fee (Understandable) but have also had my 0% interest for 21 Months promotion removed and charged £68 in interest. My gripe is the lack of communication. I wasn't notified when I went over the limit. I wasn't…
Aqua reward
My new Aqua Reward credit card has a low credit limit. I have set up a direct debit to pay off the balance in full. I intend to use this card for all my spending to benefit from the .5% cashback reward. However my monthly spending is roughly twice my credit limit. It seems common sense to pay off my balance during the…
Online application process for M&S Bank Reward Plus
I applied online for an M&S Bank Reward Plus card yesterday. I got as far as a page which said something like "Congratulations your application has been successful", but I accidentally closed the browser window before reading what else was on the page (!!). Does anyone know whether there would have been anything else for…
Applying for a CC should I pay off my other cards before applying?
Applying for the Virgin Atlantic CC - I have 2 other CC that I pay off every month in full. In the wonderful world of applying for a credit card is this a good thing to do should I have all cards at £0 or does that make me less attractive and less profitable looking?
Why wont my Lloyds online bank service let me view CC transfer options ?
I have banked with Lloyds since 1989. I have a Platinum Visa CC with a nil balance that has a credit limit of £12000. I havent used it since early 2019. I left my job in June 2019 and took a lump sum which we have used to build a new home. When I applied for a home loan in October 2019 I was told that I cant have one…
Uk credit card tier
Does the uk have a credit card tier like the USA. What’s the best starting from the bottoms
Bank Account or Pre-Paid that rewards when paying off Credit Card
Long term reader and first-time poster. I pay off my credit cards in full every month around £800-£1k a month. I have a 2x rewards CC. I just wondered if there was a way to gain further rewards/cashback/vouchers from a current account or a Pre-Paid card when paying off this bill. I have gone through a lot of the main banks…
Playing the contact centre game
big house extension a couple of years ago coincided with the taxman grabbing a chunk of the money we put aside, resulted in me using my Barclaycard up to the max. Not in a position to pay more than I am until next year (soon, soon) but I kept getting the persistent debt letters. Now, I know a computer generated letter when…
One4All Prepaid visa giftcard overly restrictive
Don't buy or gift one of these cards as they are a nightmare to use. I now have 3 of these cards with total balance of £130. You can't use them at self scan tills, shop staff on the tills don't know how to use them and you have to know exactly how much is on the card before you use it as if you try and use it for more than…
Credit card review
Hi All After some advice I have the following credit cards Tesco Nil balance - £8300 credit limit TSB nil balance - £7000 credit limit Halifax £5300 balance with £8000 credit limit - 0% interest until the end of the balance period - I can pay the balance before the 0% runs out MBNA £6000 balance - £8200 credit limit -…
Regular Gift Income for Credit Card Applications
Hi, I have been unable to find a firm answer for this for the UK so far: 1) Can ‘regular gifts’ count as income for credit card applications (as a student this is a lot of my income) 2) If some of this money is conditional on investing it can/should that be counted 3) Would the bonus received on a lifetime ISA count Thank…
PayPal credit
Hello hope this is the right place for advice . Never used PayPal credit before and just bought off dyson and the 0% I signed up for went straight to PayPal credit now I’m being told by others it has terrible reviews and I shouldn’t use it ? That extra I terst will be taken etc . dyson wouldn’t use a bad company surely ?
Credit Card cancelled before i got it.
Hello, I just recently applied for a Debenhams Credit Card. After a couple of hours I read some stuff online and cancelled it. Is it gonna be a big problem?

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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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
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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
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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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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