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Credit cards

Archives for October 2022

Argos Store Card - Payment website/app down over a week!
Hope this is in the right forum! I have an Argos store card and in 2 days my payment deadline is due (2nd Novemeber). Problem is, their website has been down for over a week. Their Twitter account is full of people asking how they pay their bills. They tell us on Twitter to call the call centre, but I; and others have…
John Lewis Credit Card Switch
I have a John Lewis Credit card which will stop working tonight. I applied for, and received my new credit card some time ago and switched to using the new card immediately. My next payment for the old card is 16th November. However, the new card has also given me a statement, the payment date for which is 9th November.…
Balance transfer
I have 2 debts that I’ve been repaying on 2 separate 0% balance cards. One of the offers has just come to an end so I have completed a transfer to a new 0% card. I’ve just realised that the my other 0% card offer is due to run out in Feb. Is it better to transfer the remaining debt to the new card (so both debts are in one…
Balance transfer now, or wait 3 months
I’ve always used 0% BT and 0% purchase cards (only ever used one, and had 2 still live, but not used) and currently have a 0% BT card coming to the end of its interest free period in March 2023. Approx £10k on it. I’ve never had a problem transferring from one to a new card in probably 15 years. Given the recent rises in…
Problem with Aqua credit card
I wondered if anyone could offer any advice about a situation which is worrying me a great deal and affecting my health. On 15 October 2022, I attempted to use my Aqua credit card to purchase a product online, but to my concern, when I was asked to verify the transaction, two telephone numbers I did not recognize were…
Direct debit date
Does anybody know if I want to have my direct debit come out within the first few days of the month when should I apply for the credit card? I thought applying at the end of the month would work but this gave a date of the ~14th. TIA
Tesco Credit card imposed repayment plan
All, I like others have balance transferred and now I am in the situation where I am out of 0% on Tesco credit card and am now paying interest charges. I constantly receive letters asking me to pay more than the minimum amount, however due to other commitments this is not a priority at present. I am making regular direct…
Refund to Old Debit Card
Not technically a ‘credit card’ question but a debit card question so hope I’ve posted this in the right place. I bought an item on Amazon which has been sent back and Amazon have issued a refund to my original payment method. The issue is, back when I bought the item in question, my debit card was a VISA card from my…
Amex - online account transactions issues ?
Is anybody experiencing problems using a PC or laptop logged into online banking ?We have the Everyday Cashback Credit Card - 7 consecutive transactions not showing from 3rd to 9th October - all subsequent transactions all showing after the 9th. However, on the iPad all transactions from 3rd of the month onwards are…
Credit cards - estimated limits before hard check
Hi all, My partner and I will be moving house next week and are keen to get a couple 0% spending credit cards for some of the big spends such as sofas, TV, etc. Are there any lenders who will provide an indication of what credit limit you'll get prior to a hard check being done on your credit report? Thanks in advance, Ally
Elfin market loan credit card p2p
Has any one had any dealing with elfin market app on iPhone? Credit limit of 2000£ and you can withdraw any time you want to your credit limit- you can apply for a card once approved and credit limit is stated - they transfer to your bank account… apr 9.8% or in the fives.. depending.. anyone had any dealings with them?
Using credit card as opposed to debit card
A friend mentioned that she had been advised at a police talk that it was safer to use a credit card as opposed to a debit card when paying for anything. Is this true? I have always used my credit card for purchases over £100 and paid off the bill in full.
Statement date v Payment due date
I have a Halifax credit card, it generates a statement on 23rd of the month with a payment due date of 17th. I wanted to change the statement/payment date to a better time for me in the month so I rang CS and asked to shift the statement date to the 1st of the month with (I assumed) the payment due date automatically…
Credit Card debt after death
Hi. My mum recently passed away and we have discovered she had some unsecured CC debt that have long since been sold on to debt collection companies. There is not enough liquid assets in her estate to clear these debts. Can I negotiate a settlement figure with them, or would they write off the debt if I send them the death…
Tesco Credit Card won't provide me with copy of Ts and Cs
I have been charged by Tesco CC for purchasing a product and paying for a service online. Paid for over the phone. Has anyone had any joy in getting any come back with this? Any help from the Financial Ombudsman? I have raised a complain to Tesco which is currently being looked at but anticipate the worst. Even more…
Getting rid of 4 credit cards in one go. Effect on credit score?
I'm currently going through a deputyship referral and its likely I'll have a deputyship in place around December. According to social services I can't have any credit accounts so will have to close down my credit cards and overdraft when the deputyship is in place. Fair enough I don't really need credit cards. I only want…
Marbles replacement card
Hi i lost my wallet and Marbles credit on Saturday and rang on Sunday 23/10 to block and get replaced. I really need to use it for some upcoming bills at the beginning of the coming month. Does anybody have any experience how long it takes to get a new card?
Cost ofiving killing me open a credit card
Hiya everyone so basically abit of background I have chrons disease I'm 30 years old and have a six year old girl. So basically 2 years ago I got very ill and stopped working and had major surgery a ileostomy after that I couldn't work and got benefits eg lwrca and universal credit. But since my bills and rent have…
What credit card gives better exch rate on purchases? Barclaycard rewards vs Halifax clarity
Have been using Halifax clarity for 10+ years. Wondering if Barclaycard rewards gives better rates on foreign purchases?
Zilch - New(ish?) - anyone any experience?
I noticed today when browsing 'cashback and rewards' accounts that Zilch are offering a somewhat unique product. I wouldn't be interested in their BNPL (pay in 4) option as that doesn't generate anything other than a £2.50 transaction fee if not spending with one of their preferred retail partners, however, I am interested…

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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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