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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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Should I cancel my old credit card?
Hi, I am on disability (low income). New here, bear with me. On my RBS credit app it says that having a credit card limit of above £4K would help improve my credit. My credit is currently in the 'Excellent" category for all three bureaus. I just wanted to pop it up a bit as the advice was to get a higher credit limit over…
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Myheritage yearly subscription - Refund
Hi All, I have been trying to cancel my Data subscription on myheritage multiple times last week but it kept going to a page not found screen. The payment has still been taken of £130 am I in the right to request a refund on this? As I have made the effort to cancel it before the due date.
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Balance Transfer
I have just paid off the large sum that was on my balance transfer card and closed the card. I am wondering how long it will take for the credit reference agencies to recognise this. I want to take out a new balance transfer card and presumably having this card still showing will affect what offers I get for a new card.…
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Fee free overseas spending: Barclaycard vs Clarity vs Monzo vs Revolut ?
Hello guys, Various debates on what card gives better FX rates. Over the last 14 years I have been using Post office (not the travelmoney but their credit card which isnt offered anymore i think) followed by Halifax clarity during 2019s followed by Barclaycard for overseas spending from 2023. I found that Barclaycard gave…
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Credit card for students
Hi, I'm a full time student at university. I have a maintenance loan as income and savings. I'm looking for a credit card to improve my credit rating. Any ideas.
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Credit Card Minimum Payment
Hi, I have successfully transferred £7000 debt from Chase CC to my RBS CC with 0% interest for 12 months. Can I pay nothing for duration of 0% or do I need to pay minimum amount?
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MBNA credit card for 0% purchases
I am eligible for an MBNA credit card no fee, 18 months 0% purchases but only for first 60 days after which normal interest charges apply. I have not come across this type of promotion before I have a couple of large purchases to make which would get inside the first 60 days and more or less get up to my credit limit. If I…
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Lloyds Ultra Credit Card
Just seen that Lloyds have released a new Cashback CC with both no FX and 0.25% cashback. https://www.lloydsbank.com/credit-cards/ultra.html What are people's thoughts in comparison to the Barclaycard Rewards offering that is so often discussed around here?
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Barclaycard Chat Service
Is anyone able to use the Barclaycard chat service? Every time I want to use it for something, I get a message saying it's not available while they are working on it. This has gone on for months. Their service status page says it's fine but I cannot use it online or via the app. A web form I used to send a message about…
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Lost balance transfer
I’m so stressed out. On 14 January I did a £2,000 balance transfer from HSBC to John Lewis credit card. unfortunately John Lewis changed their credit card bank account and HSBC sent it to the old bank account. HSBC are saying they have not had it back and John Lewis are saying they never got it. I’ve been checking and…
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Dont Understand
Hi people. Hoping someone can explain this for me. I currently have 3 credit cards, one with Lloyds, one with MBNA and one with Barclaycard. My credit limit on all 3 cards is good and I am no where near the limits. The Lloyds has an outstanding balance of £3.500, MBNA £1875 and Barclaycard £2,800. I would like to transfer…
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Maximising Avios points
Hi everyone, I’m looking to refine my strategy for maximising Avios via credit card rewards. Currently, I use an Amex Premium Cashback card, but I’d like to switch to a new Amex to take advantage of a sign-up bonus. My understanding is that to qualify for a new member bonus, you must not have held a personal Amex card for…
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Balance Transfer
Hi, How long should balance transfer take. I did a balance transfer from my Chase to my RBS Credit card on 07th January 2026. It shows as a pending transaction on my RBS account. Thanks :-)
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Declined credit card but have good credit score (now worried about mortgage)
Hello, I applied for a credit card with NatWest and was declined based on something negative on the credit check. NatWest could not tell me what this was but confirmed they use Experian to run the credit check. I checked my credit score (on Experian and other sites including TransUnion) and downloaded my report and my…
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Tesco Credit Card - clubcard number not recognised
I just received my new Tesco Credit card. I have tried to link this with my existing clubcard account. However, the clubcard number at the back of the credit card is not recognised. I have already asked for a replacement credit card, but they just sent a duplicate. i spoke to tesco customer service and clubcard CS but…
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Halifax Clarity Card Change from Mastercard to VISA
Has anyone found out whether the cost advantages of using this card abroad will change with the move from Mastercard to Visa? - No transaction charge - Exchange rate the Mastercard lowest rate Looked at all the info from Halifax on the change but there is no mention of either of these that I can find
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HSBC inviting to request credit limit increase
I've been with HSBC for 10+ years, and had a credit card with them ever since (as part of my current account package). At some point my limit was increased from the initial 1k to 2k automatically. However, now, HSBC sent me an email claiming I "am eligible for a limit increase" providing instructions how to request it. To…
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Moved: Timeshare and National timeshare helpline advice please
This discussion has been moved.
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Balance transfer from Barclaycard not appeared
I transferred some money to Halifax Clarity from Barclaycard earlier today. The transfer showed on my Barclaycard balance straight away but the money has not been given to Halifax Clarity. Barclaycard sent me an email to say the transfer had all been done. I’m worried it’s been paid into someone else’s account. Does it…
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Help me clear my credit card debt
I have two credit cards: A Jaja Visa on which I've spent c.£4.5k A Halifax Mastercard on which I've spent c.£3k I also have a Vanguard stocks and shares ISA which I used to save £19k for the deposit for my house. The risk level on this is medium and it currently contains c.£750 as I now only add £50 per month into it. I…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: Yo-Yo balance transfer by surreysaver
25 January at 9:54AM
