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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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Should I close down zero balance cards?
I had my true LBM in Nov 2019 and have been consistently paying down my debt. I am lucky all my CC debt is on 0% interest after balance trasnferring which leads me to my question below: I'm thinking I might need to start closing down some of my zero balance credit cards. There are three MBNA cards, one Halifax card and one…
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M & S Sparks Pay - does it still exist?
Apologies if this is the wrong place to ask. I can't access my M&S sparks pay account. The website has a notice I'l post below. I think I don't owe them anything but I've tried phoning the number twice and been in a queue for 30mins. The one time they answered and transferred between 3 staff that didn't understand my…
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Warning John Lewis Credit Card is insecure
I've been left with no alternative but to warn others about how insecure the John Lewis Credit Card is. The card is operated by New Day so this could apply to other cards that New Day runs. When you register for the JL credit card they ask for a user name and suggest you use your email address, and they also ask for a 6…
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AMEX Direct Debit policy
I set up direct debits to pay my credit card bills off in full each month but Amex takes money from my account 12 days before the payment is due, whereas for other banks I can set a DD up for a couple of days before the balance has to be paid. I've spoken to them and, whilst they can shift all the dates, they're not…
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Anyone applied for Tesco Credit Card recently?
I used their eligibility checker and it says I'm pre-approved for it. It did a soft check on Transunion. However, I'm hoping to find out which credit bureaux they generally check for the full application. While I'm on the electoral roll and all my accounts show up on my Transunion, for some reason Equifax just never seems…
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Nationwide CC direct debit
Is it possible to set up direct debit online for nationwide CC????
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M&S Credit Card £25 offer
Hello there, am I dreaming or was there an offer for a reward on MSE for the M&S credit card and a reward of £25....... I thought it was in the last month but I can't finid it anywhere.... Many thanks Lachie.
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Chase credit card
An email today as a Chase current account holder. Heads up to keep watch over the next few days for the upcoming launch of a credit card - current account holders will be the first eligible to apply apparently. Hopefully they will allow additional cardholders.
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Credit card
My credit cards are drowning me I have £5k to pay off across 2 credit cards. I pay the minimums off every month and only put necessities on there whilst I have been on mat leave. I just find the interest are swallowing me - I have applied for 0% balance transfer but got rejected. When I start getting paid again I want to…
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Pre Approved 0% Balance Transfer - PCP?
Is there any way I can transfer my PCP balance to a 0% Balance Transfer Card? I've been pre approved for both MBNA and Virgin with 12k limits at 0% 34 months.... Would ideally like to do around 15k at 0% with 2.99 fee and pay over 34 months
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First Credit Card Mistake
Hi all. I recently helped my fiancée get a credit card to help her build a positive credit history as part of our future planning as we intend to buy a house together within the next 5 years and therefore apply for a mortgage together. She has pretty much no credit report with no loans, credit cards, mortgage or even a…
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Amazon Barclaycard, are people closing their normal Barclaycard for this?
There is a lot on here who have the card, but there is a limitation that you cannot apply if you have a normal Barclaycard. So curious if people have found a way round it, or they just cancelled and waited 6 months to apply?
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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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Gift cards and chargebacks
Hi can someone advise re the below please.. I purchased some Currys gift cards through a 3rd party site with my credit card. Spent the vouchers on Currys web site and they confirmed the order but then cancelled it which was 3 weeks ago. Despite numerous phone calls, webchats and emails it is impossible to get anything…
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Older Credit card Debt
I will try and keep this brief. Contractor working away, but back in Aug 2018 i had an accident all resulting in lung surgery. it took me a long time to get over and covid scares had to hide etc. I had a credit card with around £11k. I Informed Barclayard and they gladly put the account on hold. After periodic check-ins…
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Credit card debt sold to link
Hi all - hoping for some advice, I am sure there are many comments on the site however I’m struggling to find any insight. Marbles and Aqua credit card debt has been sold to Link Financial Outsourcing. I haven’t been connect by Link yet so they will not discuss with me but I just wondered that monthly payments they would…
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UK credit cards in the States
Hi all, I'm a UK citizen and will be in the States for my first time next month, on the east side for three weeks. I don't want to carry much cash with me, so want to pay for almost everything by card. All the hotels have been booked and paid for and I don't have enough liquid money for every day stuff, restaurants etc, so…
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Paying utilities via Credit Card
Good morning all. I am aware that certain UK utilities can be paid via credit card, but I've only been able to find manual payment methods. Is there a way to set up a credit card as an automatic payment method, so effectively it will work the same as a direct debit? I'm looking to put as much on my credit card as I can to…
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Tesco Credit Card - Notice Of Arrears
I have come home tonight and had a notice of arrears from Tesco Bank for my Tesco Credit Card. They are saying that for the last 2 months I haven't made the minimum payments but I believe I have. I have not been charged any late payment fees by them or any interest at all. My promotional rates of 0% are still intact which…
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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…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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16 September at 9:45PM
