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Credit cards

A place to discuss all things credit card-related with other MoneySavers.

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…
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…
Chase launches new credit card with spending perks – but is it worth getting?
Chase has launched its first ever credit card offering 15 months at 0% on spending, as well as being fee free to use overseas. However, it's only available to customers with its current account. So is it worth getting? Our analysis shows it can be beaten – here's what you need to know: Chase launches new credit card with…
Switching to a different Mastercard credit card - which one and how?
For several years now I have been using a Mastercard from Tesco Bank, which has always been paid off in full each month. So while they have never had a problem with me, I'm now after a different provider simply because I'm sick to death of Tesco's app not showing the true situation with my account, and payments in always…
Section 75 and grey area
If I use my credit card to pay £1 of a £120 pound product and my partner uses her debit card for the other £119 ... can I claim section 75 for the whole £120 if there is a problem with the product?
Holiday Money - on Credit Card
Hello, looking at a good credit card, for spending on holiday, will need some cash, but would also like to use for taxis, restaurant's, shopping etc. When returning home, may no be able to pay off in one hit so concerned at the 30%APR cards. Any ideas? Thank you.
AMEX Gold card renewal or downgrade?
Hi there, I have taken out an Amex Gold card last year in July and in a month the renewal would be up, which would cost me £195 to have it for another year. As great as the benefits are, the price is not worth it for me to extend it's term as I have only made limited use of the offers. I am not sure yet, if I downgrade to…
britishdrive
my husband and myself have been paying £39 each to this so called company . thinking it was an official government website when changing our address we have both been charged every month from january until now . only realised this week . emailed them straight away and they have cancelled it just wondering if there’s away…
cancelled American express cards
hi i have just been notified by American express that all my cards have been cancelled , this includes business cards i also have euro and dollar cards and business cards , they have all been cancelled with 2 months notice , i have contacted American express and they will not give me a reason why , i make regular payments…
Section 75 ?
Hi all Forumites - I am a member of a club with approx 120 members. If we get a club credit card for larger purchases...within the Section 75 limits, are we still covered under the act? I know how it works for an individual but unsure if it covers larger purchases for a club.....?
Lloyds and Halifax Payments and Card Being Blocked
Hi I have a Halifax Credit Card that I use for everyday spending, and I pay off the balance every month. This is not the first time that I have had problems with a payment being blocked to a genuine UK company (In this case to pay the balance on a holiday), on the grounds that it is a suspicious transaction as it is…
What can I do? (think I was irresponsibly approved a credit card)
So I applied for a credit card in 2021, I was employed for 2 months at the time (and job before that was employed 3 weeks left to go to that job, and before that I was unemployed for 6 months and all jobs before were temps) and I was approved and the next month after I was fired, so naturally I used the card to stay on top…
Lloyds/MBNA
So I’m getting close to when I’ll need to move a 0% balance that is ending it’s around 4-5k on there websites direct I'm pre approved £3,500 for both cards so I was hoping to only need one card. We go away in 3 weeks for 4 weeks so realistically don’t think I can make up extra payments maybe when we got back to pay off…
Barclaycard Rewards Card CPAs
The dental practice that I use has introduced new computer software. Previously, monthly subscriptions were taken by Direct Debit. The new software does not support that. They can now collect monthly subscriptions only via credit or debit card Continuous Payment Authorities (CPAs). They wanted me to set up a CPA up over…
Festival Cancelled – CC Refund Claims Being Rejected
I purchased a ticket for a music festival in Nov 2024, to be held Jun 2025, but it was cancelled circa 1 month prior to the event. (It seems that it was due to financial viability as the organiser cancelled several festivals, but their company status is still “Active” at CH.) I paid with my Mastercard and bought the ticket…
Section 75 or Chargeback query
Hi, I purchased a watch in Lanzarote mid March on holiday. It was over £100 and payment made using a credit card When I got home I discovered the watch wasn't working. I contacted the manufacturer in the UK and they wouldn't accept it as a return as it wasn't purchased in the UK. The best they could offer was for me to…
Got new 0% balance transfer CC from Vanquish, but Zable won't allow me to do transfer balance
I've been working on rebuilding my credit and my scores have finally increased to qualify for a 9month 0% balance transfer cc - i applied with the sole intention of shifting over my very expensive Zable CC and paying off during the offer period. I was accepted for the new card and put the the details of my Zable CC to…
Son used my credit card without permission, even after card replaced
This discussion was created from comments split from: Has anyone ever made an unaffordable lending claim?.
Amex preferred rewards gold card worth it?
For the last few years my wife and I have largely used our Amex Platinum Cashback credit cards for everyday spending this has an annual £25 fee and we pay the balance off in full every month without question. The result is usually around £250 to £300 back annually from Amex from spending between £1200 and £2000 a month.…
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,…
Halifax Credit Card - Interest Charges
Ok, help me with this question! I have several credit cards, barely used and if they are they are paid in full when the statement is issued so I do not pay interest. It was my understanding that: You buy something You get a statement showing your purchases weeks / days later You pay in full before the due date You don’t…
Can we have a credit card on a joint account?
My partner and I have a joint bank account for household bills and each have a personal account with the same bank - Nationwide. We each have a credit card for our personal accounts. Sometimes we want to buy stuff for the household on a credit card and my partner usually uses his card but it would be more convenient if we…

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