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Credit cards

Archives for May 2021

Prepay cards that don't require photo ID?
Yes I'm one of them people with no photo id. Never needed it before, now they are all asking for it, revolut, monies, starling. For bank accounts of needed birth certificate and tax credit awards notice was suffice, trying to get a prepaid card for going to Ireland next month.
Using credit card balance to top up cash house purchase
I'm hoping to buy a house for cash this year, but i'm about £25,000 short of the amount i need. The house i'm looking at is un-mortgageable so a small mortgage is not an option. My first thought was to try an unsecured loan, but this doesn't seem possible as I need a permitted reason for the loan and using it to purchase a…
Credit Card Refund
Has anyone else received a holiday refund but the CC company has used it towards your balance. I’ve never missed a payment, and my balance was approx £1500. The refund included a friends holiday payment, so I’m now in the position of having to pay her back from my own money. Thanks 😊
Next Pay unbilled ordered goods.
This new account from Next is interesting. I was only requested to pay 11.99 from initial 24/05 statement. Why are these showing as unbilled (not yet to be paid) 12/05 40 3.99 18/05 22 unless 24/05 statement only included transactions upto 11th or 12th May. Today's balance is 65.99 which I intend to pay. Is it necessary to…
Debenhams credit card
I’ve had a Debenhams credit card for years, that I only ever used to use in Debenhams. Obviously with how that’s gone, anyone got any ideas as to whether it’s worth keeping the card or not? I won’t use it anywhere else. Thanks
HSBC premier card, any way to apply/upgrade online?
due to other cards cashback being nerfed, I'm planning to get the HSBC premier credit card and rack up some avios instead. Niggle is I have an HSBC advanced account; you need a premier current account to apply for the card, but they aren't processing upgrades over the phone apparently. Anyone managed to upgrade in the last…
Amex cutting rate again: must be better now?
Ive had an Amex cashback card for years. At one stage I started paying more per year, in order to take advantage of higher cash back rates. Since then, they have cut back several times: the first cutback brought the rate below what my original card was. Today I have an email saying they are cutting the rate again, down to…
Tesco asking for signature on CCA
Hi I requested a CCA from Tesco and they are now saying they need a signature to look into my data. Any tips on how to go about this because I have read not to give them signatures which they can then copy onto requests. Help!
Balance Transfer Eligibility Criteria
When using the Balance Transfer Eligibility Credit Form I am asked for my residential status ( Home owner, Tenant etc), I am none of these as I live my partner in her house and there is no such option available so I cannot complete the form. I could put down private tenant but pay no rent but that my not be accepted. Any…
What credit card
Hi. I’ve paid my credit card off this month- yey! But I am not sure which one to go for next; what am I searching for? I paid it off as I didn’t want to pay the transfer fee and I was having to paid the interest fee as I have finished the 0% deal. I only paid it off as I got a bonus in this months pay. I would like keep a…
Transfer third party debt to new and best 0% card
I know this question has been asked before, but I am looking for current advice on transferring debt from two existing cards held by a third party to a new 0% card with the best deal. Thanks.
Best way to apply for a new 0% interest purchase CC
Hello, my current 0% purchase credit card period will end in July 2021 (Sainsburys) and I am looking at applying a new one from other bank. Now I have 2 credit cards and a good credit limit. Which is the best way to get a new 0% purchase card with best possible limit, by closing the Sainsburys first then apply new from…
Buying at auction
Advice needed I'm planning to buy a house with through modern method of auction, I have most of the cash available in savings and was planning to make up the shortfall with zero rate cash transfers to my bank account from 2 credit cards, does anyone know if this is allowed as I can't find anything online about it in the…
Closing Unused Credit Cards
I am having some trouble closing some credit cards I signed up for but never "activated" or have used. From what I understand, inactive cards can be just as harmful to credit reports as over used ones... Does anyone know how I can shut these cards down with the minimum of fuss (they are Marbles and 118118 Money (I don't…
Barclaycard - Direct Debit Idiocy
Just thought I'd put this out there - Barclays process for direct debit notification needs some serious reworking. I have a Barclaycard which I'd never used but when they wrote to me saying I had a 0% transfer offer I thought I'd use it. Transferred the max I could on Saturday 22nd May and I noticed I'd never set up a DD,…
Interest question
Hi, just wondering if someone will have the answer. The details are: HSBC credit card 28.9% APR interest bearing balance - £837.05 (having been using avalanche method to bring this down making massive payments) 0% balance circa £6800 (13 months to go) current payments go off the interest bearing balance and not 0% one in…
Amex offer - Get £5 cashback when you spend £20 at Amazon
Anyone with an American Express card should check their offers. I have an offer which gives me £5 cashback when I spend £20 at Amazon when using my Amex card. Offer expires on the 19th July, can only be used once, and is limited to the first 45,000 people who save it to their card.
Old Credit Card details needed
Is there a way to find which bank issued a credit card I owned some 20 years ago? My bank doesn't provide statements that far back nor does my credit history either I have the long number and that it was a MasterCard but nothing else. Thank you
Pay a Bill with 3 Credit Cards?
I am getting some home improvements done and the cost is £9000. The company accepts credit cards for payment. The problem is that non of my credit cards have a limit over £4000. I have a Tesco credit card for the points which I use for everyday shopping and a Santander credit card for spending abroad when on holiday and a…
Natwest - do I have a case for complaint?
I recently had contact from Natwest who I hold a credit card with and a balance of around £2000. I never miss payments although I usually do tend to stick around the minimum requested which around the time of this instance was in the region of £60-70 per month. Around 2 years ago I received a statement from Natwest…

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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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