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Credit cards

Archives for August 2021

Amex Rewards Gold Card
I saw the opportunity of the Amex Gold Reward credit card in the previous MSE newsletter, and hoped to obtain the nectar points as described.I applied for the card online and was accepted for the card with a credit limit of £5000. (no request from Amex for any proof of ID or postal address)When the card arrived, on a…
Shall I cancel them.
Hi, I am new to the forum. I have 4 credit cards 2 with a couple of hundred pounds on them, and the third £4K and the forth card with nil. I also have £15k loan. All debt has been all long term and not spending extravagantly- life! I earn average -£36k pa. and I keep all my payments including all my other bills. Do you…
Section 75/75a for purchases over £30k
Hoping for some advice and clarity around the above. We've purchased a garden room, halfway through the build the firm has gone into administration leaving us with a half finished build and a builders yard for a garden Cost was £30,800. £14k was paid directly with a credit card, the rest through three debit card payments.…
Mastercard duplicate pending payments glitch?
Has anyone else noticed duplicate pending transactions on their Mastercard credit/debit cards today? I have made three transactions over the weekend, with two different merchants (Ebay and Airbnb) and two different cards/banks (Halifax Clarity Credit and Virgin Money Debit). All three transactions have resulted in…
Confused about interest payment
Hi I have an mbna money transfer offer at the moment with 0% fee and 3.9% interest per annum for 36 months. If I borrow 10k, will I pay 3.9% interest (I.e. £390) on the full 10k every year spread over 12 months (I.e. 390/12=32.50 per month on top of monthly minimum payment), or £390 in total interest over the 36 month…
Confused about credit card money transfers
Hi there, I'm looking to pay for some home improvements to the tune of around £2,700. My credit card has money transfer options which will allow me to transfer the full amount form my credit card to another account with just 3.9% interest over 36 months, however I'm a little confused as to what this means in terms of…
100MR points for £1
On Amex Platinum Charge Card there’s an offer as detailed above, has anyone used it, and is it really that simple? 🥴
Which banks allow multiple credit cards?
I know that Lloyds allows two. How about Halifax/Bank of Scotland? What about Sainsbury's?
Closing Credit Card Accounts
Hi, I’m looking for some guidance. I'm currently in the process rebuilding my credit score after years of debt and I am very close to paying off everything I have on credit. I have 3 credit card accounts, one with zero balance and one almost paid off. My question is would it benefit me and my credit score to close these…
Santander credit card account problems?
Is anyone else having problems with the Santander website? I have a credit card with them and use it for bits and pieces and have a 'fixed payment' DD set up of £100. I usually make a manual payment by debit card clearing the full balance when I see it creeping up a bit although if there's just a few hundred I'll leave it…
Undelivered Items
I recently made a claim on my credit card for an item of footwear ordered but not delivered. The company ordered from, their website has now disappeared. The money paid, £24.99, has been re-credited to my credit card account, by the Credit Card company, great. But this has resulted in my credit card account being marked…
Nationwide Failure to notify of accruing cusrges
I hold a Nationwide Credit Card which i have not used for over 12 months - or so I thought. I inadvertently put a £3 payment in it in April this year ( it looks very similar to my debit card). To complicate things further I have recently moved house and Nationwide was the only company I did not notify. Mainly because I no…
Can't make AMEX payment
I have a statement balance of £830 and a balance of £817 due to a refund. The app tells me I cannot pay £830. The website (twice) lets me make the payment and bank says it's succeeded but it doesn't appear. So 3 times I can't make the payment. Amex advised me to pay the full £830 but I can't. Does anyone know if the refund…
Balance Transfer query
Applied for my first balance transfer card today however the credit limit on the new card is only about 25% of the balance I wish to transfer. What happens in this case? Will only 25% be transferred? I used a quick eligibility checker on the cards website which said approved however did not specify the limit at that point…
Emigrating
Hello. Your thoughts please. A very good friend of ours is emigrating to Spain. He is running up debt on credit cards before he goes. He thinks his debt will not follow him. We have told him that credit card companies can find him. Is he correct????
Section 75 advice
Hi All, I have done something very silly and I am now kicking myself. On facebook market place I paid for a i phone via paypal "friends and family" with my credit card expecting for the person I was paying to be a genuine person however I was wrong. I noticed the same person and same phone on market place but in a…
HSBC Credit card negotiate 3% FX fee
Hi there is there someone out there who has attempted to get rid of the 3% FX fee on any of their credit card products? I am looking to reduce the cards I carry but would hate to pay 10-30£ on FX fees a month and I’d rather not leave HSBC. Grateful for anyone who could share their actual experience. Really not interested…
Income for New Day Ltd credit cards
What counts as income for credit cards provided by the companies like New Day, Amazon credit card for example. It specifies benefits, does it mean you can put Universal Credit there too, any other benefits?
Purchase Protection M&S credit card
I have had my M&S and more credit card since 2007. When we took the card out I think that the card offered protection for accidental damage to goods purchased on the card for a couple of months. So recently my wife dropped her watch and caused £310 worth of damage to it a week after purchase on the credit card. Commonly…
Best time to pay Credit Card?
I have recently taken out a credit card for the purposes of building credit. I am after advice because I don’t seem to quite understand a lot of the guidance online. Is it best to pay stuff off straight away, as you’ve bought something with the credit card and then paid that or wait until your statement is produced and pay…

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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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