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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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Expensive travel card!
Following an MSE recommendation I got a Halifax Clarity credit card for travelling to the USA. Big mistake. When I tried to use it they insisted on validating the purchase by sending me a code number to input. But I don't have a US roaming deal - £6 a day is too expensive and I use WhatsApp instead. But Halifax don't.…
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Section 75 claim question - husband paid on his card, receipt has my name on it.
Total disaster, we are long past chargeback. Can anyone advise please if Section 75 of CCA applies, or best way to discuss with the credit card companies? Husband bought a bike for himself and in the same transaction paid the deposit (£750) for a specialist to adjust my bike frame and rebuild my bike on that frame with…
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Zable and missing refunds.
Some weeks ago I had a refund back to my zable card but had paid off my card before it was known to be a refund. My card balance never went to a positive and I don't see any auto payment back to my bank or bank card I have been using to pay the zable card off. Worse, I also do not see the trasaction. out and back on my…
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Do I still need to report a transaction that failed to clear pending?
Yesterday an Amazon purchase that definitely wasn't me showed up as pending. This morning all pending transactions have processed and it is gone. The card is frozen for now but is it worth reporting and replacing the card or are there ways this can happen by mistake?
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Monzo Flex Card
I opened this when i opened a new Monzo account to compliment the starling and Halifax clarity card for usage abroad as it doesn't load onto the Mastercard wholesale rate unlike the clarity card However paying it seems such a faff! I dont understand why i cant pay it by DD or manual bank transfer from my building society…
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Hitting Amex 3k spend
Hi took out a amex gold rewards card for the reward points as I am going on holiday this year and thought I would easily hit the spending in 3 months. However as I found out some of holiday expenses won't accept amex like certain hotels. What other ways are there to manufacture spend.? I have already looked at utility…
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Credit card export format
Until recently I have been able to export my Bank of Scotland Mastercard statement Now the export format has changed and I don't get any values for transactions The Bank's helpdesk tell me there nothing wrong with their system Anyone have the same issue or able to suggest a resolution
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Missing balance transfer hsbc/sainsbury
I made a balance transfer from my hsbc credit card on the 15th November to my sainsburys card. I noticed it never come off my sainsburys card so I done it again in 2 payments. When I checked my hsbc credit card I noticed double the amount on the card. When speaking to hsbc on numerous times nothing was really done untill I…
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Zilch rewards
I use Zilch (mainly the Pay Now to get the rewards). I built up my rewards to just over £180 and used this to pay towards some internal doors (with the rest being paid over 6 weeks). When the doors were delivered they were the wrong size so I sent them back to Wickes for a refund. As they were delivered by 2 different…
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"Interest on cash" appearing on credit card
Hi, wonder if anyone knows the answer to this. Each payday in the run up to Christmas I purchase gift vouchers online for Christmas gifts from Voucher Store. I have used an ASDA Visa card, my Sainsburys Mastercard and Creation Everyday Mastercard since September. The Creation card is charging me each month "interest on…
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When is a department store not a department store (Santander 123 credit card)
I still have a Santander 123 credit card and to be fair I get enough cashback on it to more than cover the costs already so can't complain (1% supermarket, 2% department stores, 3% fuel). Checking recent statements I see I must have been spending around £20 a month in department stores as I get 40p cashback from the…
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HSBC balance transfer offer query
Hi, i was wondering if anyone has experience with HSBC's balance transfer offers. They have offered me a 12 month interest free offer that expires at the end of the month and although i could use it, it would be more beneficial next month. However i don't know if the offer will renew or change or what? Also when they made…
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MBNA credit card now okay for foreign transactions?
I noticed this statement in the updated T&Cs for MBNA credit cards: We’ve changed the name of the “non-sterling transaction fee” to “non-sterling purchase fee”, and we’ll no longer charge this when you use your card for cash transactions in a foreign currency. A cash transaction fee may still apply. It seems as though the…
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Mastercard users may be eligible for up to £70
https://www.bbc.co.uk/news/articles/c14kkjyrk20o am I reading this right ? Claim form here https://mastercardconsumerclaim.co.uk/ (Not live yet but soon will be) You could be eligible for up to £70 from the Mastercard settlement - even if you never used the provider Millions of Britons could receive up to £70 each…
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Tesco bank hard credit check
Hi, I have just been through the MSE CC eligibility calculator as after a balance transfer card. The results provided me 100% eligible on many cards so decided on Tesco, after going through the link and completing the application the credit limited suggested was £250, which based on my info is ridiculous, so obviously…
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Can you apply for a credit card with a bank you do not have a current account?
Can you apply for a credit card with a bank that you do NOT have a current account with? Is this standard? Have you done this yourself?
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Is this “stoozing”?
Barclay card are offering me a money transfer , 2.9% fee for 18 months 0%apr. what if I take £10k (well within my limit) and put it in a good performing ISA as seen on MSE? By my calculations, I should make some money and it would be easy to pay the £550 odds per month, or £500 and just pay another £1k before the end of…
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Very basic credit card terminology question
Hi all, I am new here and really struggle with understanding financial terminology, so would appreciate some 'credit cards for dummies' help if possible! I am applying for my first ever credit card and they are asking if I want the repayment amount to be either A. a minimum amount, B. the full amount, or C. a fixed amount.…
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What to do when the fraud squad sides with the fraudster? [Amex]
As per some previous threads on here... Someone got access to my account, used it, I contacted Amex & got the money back. FFWD some weeks/couple month (I forget the duration) and it happened again. Turned out to be a subscription - so 2 payments before I noticed. Raised this with Amex, told me to contact their fraud dept,…
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Unused credit and debit card fraud, how ?
In December 2023 I took out a new credit card with the single purpose of doing a 0% balance transfer to pay off some money. I have NEVER used this new credit card for any other transactions in person or online. In fact the card has never left the house since I received it, and has been hidden safely in a drawer. Yesterday…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
