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New to the Credit Cards board? Start here
💳 Useful threads on this board * Best Balance Transfers Discussion Area 💳 Related content on MoneySavingExpert.com * Our main Credit Cards page * Our Getting your first credit card guide * The Credit Card Eligibility Calculator * Credit Club * Our American Express tips & tricks guide 💳 Other boards on this forum * Our…
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Spam Button
Hi Everyone Just a quick reminder for long term users and a heads up for new users: if you spot any genuine Spam on this board, could you all please hit the spam button - it helps the forum team deal with it much quicker if we all work together to get it bashed. Please don't reply to the spam as this will just keep it at…
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MBNA - update to agreement
Advised by email from MBNA that cover letter and details in my online service digital inbox. So I have gone into my account to get the details. I see they have made some changes to the document delivery system. I can read the document on the screen ok, but cannot download it like I have done in the past. Wondered if just…
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Credit Market Consolidation
Is there less competition in the credit card market with Virgin, Tesco, Sainsbury being taken over. I must admit with charging 25% rates I thought these companies were making a killing but obviously not. What is the long term prognosis of this consolidation will we see less 0% deals etc
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M&S Credit Card Application
Hi there, Curious to know if anyone else is waiting for their credit card to arrive? I signed the agreement on 7 April and still nothing through the post, that seems awfully longer than I would have expected. Not sure if it's just an isolated experience or if others are also waiting? Thanks
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Buying a car money transfer card ?
I'm trying to work out the best and cheapest way to buy a Car which will be from a dealer. The car in question is £25k I have a an excellent credit rating and have been pre approved for a few loans with an intrest of 6.2%. But I'm wondering if I can use a credit card that transfers money into my bank account to buy the…
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Vanquis 5% cashback use
i actually dont use my credit cards but i have had a vanquis one for a few years, not used in over a year. Apparently i'm being offered a 5% cashback deal (capped at £20 max cashback) Not going to use it just for the sake of it but my vehicletax is due next week, at £350. Is this transaction elligeible for this offer? i…
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Existing Balance and AMEX
Hi, I currently have 3 active credit cards, two with zero balance and one with +/-£2.5k on it. I have a friend who has an AMEX card who enjoys the points etc he gets with it. I asked him for a referral code, which he has sent me and I can get 6000 Avios points if I spend £2k in the first 3 months. Couple of questions from…
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Credit Cards - Fees on Gift Cards
For the second time I have been charged a cash transaction fee on a Caffe Nero gift card. The first time the card company and vendor blamed each other so I decided to use a different card this time - with the same result. I called MBNA to query it - expecting them to blame Caffe Nero - but instead the representative…
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Sending cash to family via PayPal with HSBC credit card - treated as cash advance?
I have various payment methods linked to my PP account. Just sending a payment to my son via Friends and Family and I can use my HSBC 0% credit card with no fee charged by PP. But does HSBC count this as a cash advance?
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Virgin Money Payment Allocation
Afternoon All, Looking for some help, I have a card with a range of payment allocations on it. So a small amount of general payments made, a larger balance transfer that ends in January next year and then an instalment plan that runs for 24 months, this one is new so not even one payment made yet. I have a lump sum that I…
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Which card is best for buying something in Euros online (in UK)
I want to buy something online and the website sells in Euros. Whats the best debit or credit card to use without getting stung with a currency conversion fee/ bad exchange rate? In the past I've used Chase, Nationwide Select and Halifax Clarity but I'm not sure if those ones are still the best picks around?
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Changing balance transfer target
I applied for a new card (Card A) to pay off a balance on Card B. I provided the Card B number as my transfer target. The new card will not arrive in time and so I have had to pay off B's balance with a transfer to card C. A message from Card A says that when it arrives and I verify it that will trigger the payment to Card…
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Credit card or longer loan. How do I calculate balance?
Hi I’m trying to work out what would cost me less in interest from the following options: I have £15k left to pay on a credit card 0% deal that is coming to an end. I have another card that I can balance transfer to with an offer of 5.9% over 2 years. i know I won’t be able to clear that amount in 2 years and could pay…
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Santander Edge CC. Closed current account but haven't heard anything from the bank?
Hi all, Hope this is in the right place. I switched a Santander current account for a bonus in March. I am around the point in which id be expecting Santander to stop the fees and cashback but I haven't actually heard anything about it? Has anyone experienced this? Could their systems have missed it or should I expect the…
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Santander Edge Credit Card 2% Cashback
I've just received and started using my Edge credit card. Is there any way to see a running total of Cashback earned? I've looked in the app and online but can't see anything. I'd like to know when I reach the £15 maximum so I can use my Chase account for the rest of the month.
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The co-operative bank Membership Cashback Credit Card
I never see it mentioned but if someone has a co-op membership they are eligible to join the cashback credit card with no fees. I thought that this may come in handy alongside the existing Santander Edge Credit Card and Barclaycard Reward Card in getting cashback for those that will lose the Chase 1% cashback on purchases…
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Closing a credit card and extra charges
Just took out a new credit card with a decent 0% balance transfer rate. Moved most of the balance across, and intend to pay the little remaining at the end of the month when I get paid. Interest rate etc. on that card doesn't work for me, so I want to close it completely. How do I make sure that if say there's £100 left, I…
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Sainsbury's Bank sold to Natwest
https://www.about.sainsburys.co.uk/news/latest-news/2024/20-06-2024-sale-of-core-banking-business-to-natwest-group Unlike Barclays purchase of Tesco Bank, it doesn't seem this deal includes ongoing usage of the Sainsbury's name, so Sainsbury's Credit Card customers will become Natwest (or I suppose maybe RBS or Ulster…
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HSBC Application
I applied for a credit card with HSBC on 3rd December. I had no acknowledgement from them and heard nothing further, although later in the month I noticed that they'd done credit file searches the same day. By the beginning of January, I was a bit concerned about this and so I called them. The person I spoke to said that…
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Credit cards for temporary employed people
Hi everyone! I was hoping for some guidance on applying for my first credit card while on a temporary contract with work. I’m currently on a one year fixed term contract with my work and want to build up my credit score. I had checked Tesco’s Foundation Credit Card to see if I was eligible, but they said because I’m in…
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Paid a strangers credit card unknown to me!!!
Hi I have been trying to put my finances in order as supposed to retire soon? and noted that 2 direct debit payments have been going out to Aqua card Newday but different card numbers since 2018 so I rang them to be told I only have one account and the other is someone else's!!! but the bank or Newday aren't taking any…
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