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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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Amex Nectar Credit Card - renew or replace?
Hi there, The anniversary of my American Express Nectar Credit Card is coming up soon (the first year) and I'm due to have to pay the annual fee of £25.00. We've had some benefit of the card as we shop with Sainsbury's for our weekly shop and I estimate that we've gained about 20,000 points over the course of the year…
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Lloyds Credit Card Complaint Email
Long story, I had 3 fraudulent transactions on my card last week whilst on holiday. The advisor told me to destroy my card which I did and then transpired it was my wifes that had been used. Anyway new cards came by the time we got home but this week the transactions have appeared again due to the fact that the advisor…
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Aqua rate 51.40% Help - advice needed please
Hi, I've had my Aqua credit card for a 9 month promo period and was going well. I had an unexpected car bill so used a freshly paid off other card (Capital One). I am usually really good with my cards but somehow I have taken my eye off the ball completely and got a text message a few days ago stating the promo offer will…
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MBNA - Balance Transfer and Purchases - Warning!
I try to keep myself money saving fit and minimise any interest payable. I have transferred a balance over to an MBNA credit card at 0% - well done me! However, I still have credit on this card, and there is cashback for purchases, so I recently used it for a purchase. Now, with Sainsbury's credit card, if I pay that…
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Stoozing - using the credit card directly?
I've got an opportunity to stooze around £500 by 3rd October 2023, but I would like to use the credit card directly to make a worthwhile deposit/purchase without any hefty charges. My end game to 'settle the stooze' is to make monthly contributions (which I have already started) in a high-interest savings account like N&SI…
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Mystery Sumup payment on credit card statement
How do you find out what a Sumup payment is for? There's one on my credit card statement, ref Sumup *handforth Thcw Cambridge. I haven't got a receipt for the payment and can't remember or find out what it's for. I googled it and got to company information about Handforth Thcw but am none the wiser who they are, I guess…
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Credit Card Statistics
Here is an interesting article: https://www.money.co.uk/credit-cards/credit-card-statistics I make my day to day payments by credit card, and pay it off in full every month by Direct Debit. Interest free credit and a single bill each month. That is not what most people do. A big majority of card users pay by debit card,…
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Best advice whether to sell property to clear debt
Hi all I know this might seem like a personal decision but I think it's always handy to hear other peoples opinions. My husband has a property that he rents out. We live together in my property. These have been kept separately. I don't want to get into the whole if we divorce business as hopefully it'll never happen. He…
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Payment to Barclaycard missing
Has anyone ever had any issues with faster payments to Barclaycard not processing in the usual 2 hours? I made a large payment yesterday via bank transfer, it’s not reflecting in my credit card available balance. My bank confirmed no block on the payment and it left the account to the correct sort code, account and…
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More than one credit credit
Opinions needed. After clearing two credit card balances. I have felt they have been a burden and an easy way to spend money I haven’t had. Saying that is it wise to keep one for emergencies or for credit rating?
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Most appropriate credit card
Hi all, I'm looking to get a credit card. I plan to use it just to pay for fuel in my car (which I normally do monthly) and then pay it straight off. I have a really good credit score but the only thing I have against me is that I don't have a credit card. I've never had one before so do I go for a rewards car or just a…
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Beware automatic fraud checks if going abroad, especially on a cruise
On the 17th June I boarded the Sky Princess cruise ship at
Southampton. I had pre-registered my Halifax credit card to pay my account automatically at
the end of the cruise, which is normal practice. Also, I had made several payments with that card to Princess Cruises in the
weeks prior to the cruise for excursions, etc.…
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Credit Card Borrowing prior to inheritance settlement
Hi All Just looking for some thoughts. I am shortly (not fully sure how long) to get a reasonably large inheritance. We lost both parents last year. My mums probate was granted about 3 weeks ago, my fathers probate application went in 3 or 4 weeks afterwards - so logically his grant of probate is not far off. I'm not sure…
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Confusion with a %0 balance transfer from Virgin to Barclaycard
Hi there, I've recently transfered approx £7400k from Virgin to Barclaycard using their %0 for 30 months offer. The minium payment with Virgin was £74 a month; with Barclaycard it's now almost £300. I had assumed that I'd pay a similar amount as both cards had %0 interest. There was a £240 fee for transferring to…
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Retirees looking for credit card
Looking for information on how husband and I can get credit cards. He is retired getting pension and attendance allowance. I am not getting pension but carer's allowance only. We are living in our caravan in our daughter's backyard while we wait for housing. Therefore not home owners and not paying rent. Is there anything…
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Recommended credit card for travel (hotel deposit)
Hi all, Never thought I would be asking this question, but we are going away to Spain in October to a different hotel that we normally go to and after reading the hotel website, you need to provide a credit card at reception on checking in. We don't have a credit card any more due to previous debt - we both had a credit…
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Balance transfer cards
Hi, I've got 2 different finance plans one at currys and one with klarna, am I able to get a 0% balance transfer card( I did an eligibility test I can get the M&S one) and pay the finance plans off with the card and still get the 0%? I find money very confusing sorry my currys finance is for £485 and my Klarna £400 any…
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Can you see what your credit limit will be before approval?
As for the title, I assume you usually can't tell? I have a balance of around £4000 I need to transfer as my Virgin offer is ending in November. However I am struggling to find any good deals at the moment. I have a Natwest account (simply used to get their switching offer, don't actually use it) so thought I would check…
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Balance transfer to credit card - can you go into positive credit?
So I recently got a balance transfer card to transfer some of my debt to a 0% offer. The balance transfer and purchase period for this card is 3 months, which ends on October 5th. Then I have 18 months to pay it off. I now have a very expensive dental procedure planned on the 10th of October, so right after my deal ends,…
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Very Catalogue Credit Limit
Not Credit Cards but Catalogue Credit Account. Can someone explain the logic behind this... I built up a £1800 balance with a £2150 limit which was then raised to £2850. When i got my lump sum i paid all my debts and mortgage off and am completely debt free. This also included clearing my catalogue debt of £1800. I just…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.4K discussions
18.6K comments
Most recent: Stoozing end of the line - Some Advice Please by vacheron
19 September at 1:15PM
