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Credit cards

Archives for November 2021

Section 75 help please!
Hi guys! I'm hoping for a little help regarding a declined section 75 claim. I bought tickets for a sports event to be held in July 2020 in Poland. The event was cancelled and tickets carried over to the rescheduling 2 months later. We were unable to make the rescheduling as at the time we weren't allowed to travel to…
American Express - Shop Small - December 2021
You can now enrol in the Amex Shop Small offer: when you spend £15 or more, get £5 back up to 5 times between 4 December - 15 December 2021 at qualifying locations.
Lloyds now charges for charitable donations through a credit card
I've just had a conversation with Lloyds about charges for donating via my credit card to my local church on the "Just Giving" website. The rules changed in October and IMC is now classed as an online trader - why I don't know - but it means any donations through them are treated as cash withdrawals - so attract a £1.25…
Mixed promotional transfer rates / dates-how does it work?
Can someone please advise - I have a promotional rate of 0.00% for 29 mths for balance transfer and a promotional rate of 0.00% for 12 mths for money transfer and 0.00% for 3 mths for card purchases all on one card. The terms say after the promotion they will charge interest at the standard rate for the outstanding…
Halifax Cashback Credit Card Mastercard (late 2021)
I have just been checking my accounts at the Halifax, via their app, and there is an advert for the Halifax Cashback credit card, which seems similar to the one offered by Lloyds Bank:
CC Debt - Drowning.
Hello everyone. I’m after a bit of help really. So, I’m in considerable debt at the moment with CC’s and are drowning, I just don’t know what to do or where to turn without calling the creditors themselves and ringing alarm bells. I have: x2 Cap One OB £950 BarclayCard OB £800 Vanquis OB £1000 Aqua OB £450 Zopa OB £200…
Amazon Credit Card. Does it have a negative impact on your credit history.
Hello Thinking to apply for the Amazon Credit Card (for the £40 gift voucher). Probably won't use it much or at all, as I have a number of other credit cards. Just a bit worried as to why people are negative about this card? Does this card have a negative effect on your credit history ? More so than any other card? If so…
Credit card usage for building credit history and improving credit score
I am finding different information regarding the best usage of credit card regarding the above. Is below 10 % better or below 30%?Credit limit of £450.So below 10% it will be only £40-45.Probably it is too small? Any advice?Once I get this limit higher I will not have these doubts.
0% Purchase Offers
Might sound like a daft question to some but I'm trying to understand how 0% purchases offers work on credit cards? I'm looking at applying for the Tesco Purchases credit card with 0% interest on purchases for 23 months and I was wondering if that means literally none of the purchases I make for the next 23 months…
Balance Transfer - Virgin to MBNA
Hi Ive just been approved a BT card from MBNA and tried to transfer a balance from Virgin (a card i've had for about 2 years) and it has been unsuccessful. Is there an issue with transferring between these banks ie same group etc?
Credit card overcharged, over credit card limit and implications for mortgage application
Hi all My wife and I were househunting last weekend. The hotel we stayed in charged us 100 times (!!!) the agreed rate for our room. As a result, my wife's credit card has significantly exceeded its credit limit. The hotel has said they will refund her, and the card provider has agreed not to charge her fees. We are…
Credit Card dispute leading to court procedures
Hi All, I wasn't really sure where to pop this thread as there's a few issues I guess but it started with a credit card so thought I'd post here. I purchased an item back in July 2021, I contacted the merchant to start a return and they never replied to my email, the address they had on their site differed to the address…
Can I apply for a credit card if I don't have a fixed annual income?
Hi all, newbie here. I've got pretty much no credit history so I'm looking into a credit builder card. I work 2 jobs one of which is zero hours, the other is part-time (but I only started that one this summer). Because of this I'm not really sure what my annual income will be. My zero-hours job can vary drastically and…
Who benefits from an American Express card?
I wanted to know, who benefits from getting an American Express card? Is it only worth getting one if you are a business owner, looking to buy a house etc? And what are the benefits of getting one?
NatWest credit card direct debit payment date
I posted this on another thread earlier today but am now posting it on a new thread as I believe it is quite important. NatWest have always said the following regards the direct debit date for their credit cards. "Direct debitMinimum payment - payment is claimed 25 calendar days from statement date or shortly…
Balance transfer soon after first balance transfer
Hi. I wondered if I did a balance transfer with virgin money in July but I want to move it again. Is there anything stopping me? I check the terms and conditions with virgin money and couldn't see anything. I know doing another balance transfer may incur another cost but I've had some offers where it would be low cost and…
Can you pay off a credit card balance then do a money transfer the next day?
Hi, This may be a stupid question but I just want to make sure I'm not making my situation worse. I've got about £1000 on credit card A and about £500 on credit card B. I'm paying interest on both. Credit card B has offered me a money transfer with 0% interest until August 2022. There is a 2.4% transfer fee. I need about…
Amazon Platinum Card and £40 giftcard
If card is not activated or immediately cancelled will the gift card spend be reversed? Having read the reviews (after being accepted and spent the gift card) I'd be very reluctant to actually use this card. Have a credit card already that is paid off in full by direct debit monthly, I've used it for 20+ years so no need…
Santander All in One Credit card
Thank you Martin for your tip on Balance Transfer - 0% . I've opted for the above Credit Card to spread the cost of my home extension.
Using balance of Virtual prepaid Mastercard
Hi, I got an £80 virtual prepaid Mastercard when I signed up to Talk talk recently. After a couple of purchases, I now have £11 left and I am wondering how to use it up. I had hoped to transfer the balance to my normal credit card/bank account/PayPal account, but this doesn't seem possible. Is there any other way of…

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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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