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Credit cards

Archives for September 2022

Barclaycard app issues
i have a barclaycard credit card that i manage via the app today i logged on and the app looked completely different and no longer showed my credit card , it looked more like a banking app , i can not find my card anywhere in the menus and keep getting errors when i click on links ive rang them and there is a 2 hour min…
Virgin Money Section 75 Claim - Car Purchase
Hi, This might be slightly long but it has been 7 months and I just want to try and give all the facts :) My partner was having twins last November and we both had 5 seater cars and another 4 year old therefore I went out and purchased a used 7 seater for around £3000 on November 22nd 2021. All was fine with the car until…
Can we transfer from two different credit cards onto one 0% transfer card?
My husband and I have a bit of money each of our credit cards which we would like to combine and move to a 0% card to avoid the interest. Can we do this transferring from two different cards? Also can anyone recommend a card that we can do this, plus spend a small amount on.
CHARGEBACK OR NOT?
Hi everyone! I received a DRP letter and I told my son to not pay it as i knew about private companies trying to collect money from fines etc… But I was away and he was afraid that they’d come, so he decided to pay it using my card. What do I do now? Shall I do a fraudulent chargeback? Any advise would be great, thank you!
Best way to use a bit of spare cash to pay off debt
Hi there, I have just received a small bonus and want to use it to best effect to pay off some debt. I have one credit card where I'm paying interest and one which has an interest free period that runs out on 30 September. Which card do I put the bonus onto? Sadly it doesn't fully cover either amount, but just wondered…
Credit card transfers
I have a credit card deal with 0% interest until 2024. I will have paid off my initial debt within that time. Can I transfer another debt within that time limit or do I have to apply for another card .
Balance Transfer between two cards with £0 CURRENTLY outstanding
Hi, I have two credit cards with nothing owed on them, one of which has offered me a 0% balance transfer for 2 years plus I'm looking to buy a car at the moment... so if I bought it on the one card, could I immediately do the balance transfer, or will I have to wait until the next billing period to update my balance…
Section 75 grey area
Hello, I have a question on Section 75. I was due to have building work started so paid the company a deposit of £9200. £9000 was bank transfer and £200 was credit card. The company have either gone bust or we were scammed as they are no longer responding and not started the work. So trying to get money back. I know…
Barclaycard & Santander Credit Cards
I am writing to warn others of some underhand practises by two Credit Card Companies. Since their inception Credit Cards have worked on the basis that only the outstanding balance, after a payment made for the month has been deducted, is charged interest on during the following month. I took out a Barclays credit card, a…
HSBC - not returning credit balance on CC.
I had an HSBC Credit Card, but closed it in April and transferred to new provider. It transpires I had paid for holiday accommodation deposit back in November 2021 on the HSBC Credit Card. June 31st we were refunded by AirBnbB (due to substandard accommodation) onto the (closed) HSBC Credit Card. I was notified by postal…
Balance Transfer Greater than Outstanding Balance
Hi I recently did two Balance transfers from one credit card which exceeded the outstanding balance so essentially the card is now in credit. Any issue with this? Thanks
Which credit cards have apps with instant notifications and which classify expenses by categories?
I'd like to understand which non-Amex credit cards have Android apps which:* send instant notifications for every expense, and * let you classify your expenses into categories, the way many banking apps do (e.g. Sainsbury -> groceries, restaurant -> eating out, British Airways -> travel, etc) I have obviously searched this…
Impact of Unused Credit
Hi, I am currently battling through a legacy of bad credit card debt (none of it has defaulted, in arrears and I've never missed a payment) I have more or less got my ducks in a row for the next 12 months....And as a result I now have a number of credit cards I'm not using and likely won't need to use for the next 12…
balance transfer
Hi all If my wife bets a balance transfer bard in her name with me as a joint holder can I transfer a balance frim a card in my name ? TIA
Looking for Anecdotal Advice - Balance Transfer Cards Credit Limits
Was hoping people could share any recent balance transfer applications where the credit limit they were offered was north of £5-8k. I'm looking to transfer around £8k from an existing credit card whose interest free period is due to end in December (but getting a jump on it due to the market). My credit file is good, so…
Multiple Cards with Virgin Money
Hi, Whilst I manage through my debt situation which is an ongoing journey, I'm doing what a lot of people do and shuffling card balances about. I recently done a balance transfer to an MBNA card for 0% however, I didn't realise the min payment would be 2.5% as opposed to 1% I anticipated. I have went online and I'm showing…
Good idea to use a seperate Credit Card as my Osyter Card for TFL Tube Travel
I have always been a lifelong Travel Card purchaser. Recently I've realised that because I rarely travel on the underground when not going to and from work (Zone 1-4). That I would be saving myself roughly £30 a month just using Pay As You Go by either topping up my Oyster Card or using my bank card. The problem is because…
Combining debt on 0%
Hey Guys, Looking for some advice, currently have 3 credit cards that aren't on a promotional rate and also have a Paypal credit agreement, looking to move all these over to a 0% promotional rate, the only issue I have is I'm unsure how to transfer my Paypal credit as its an agreement opposed to a card so I am unable to…
Is it possible to repay a dispute that was found in my favour?
Long story short, a pre order bonus/voucher didn't arrive after 30 days, and lots of people have been messed around by Samsung, claiming the offer didn't exist. I cut out the middle man and raised a CC dispute, supplied the evidence and it was settled/closed in my favour within 24 hours, and the money has come back to my…
Will 0% balance transfer deals become scarce as a result of interest rates increasing?
I currently have two 0% balance transfer cards which total 3k debt. NOTE: I only use the cards as a way to pay the debt off at £120 (minimum) per month without incurring interest – (I don’t use them for purchases etc, so the balance is always decreasing). One card deal ends Jun 2023 and the other Aug 2023. The way things…

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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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