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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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Argos card sold to New Day
The Argos store card has been sold to New Day. No changes at the moment apparently. I think this is the last store card remaining not connected to Mastercard or Visa. hxxp://help.argos.co.uk/letter
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Section 75 claim rejected for sk:n clinic
Hi, I'm hoping someone can help... I used the free finance last year to buy laser hair removal from my local sk:n clinic, via Omni finance. I received 6 out of 8 treatments, before they went bust. Omni finance state that given it was interest free, there's no way to claim any money back. I paid the deposit on my credit…
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MBNA Credit card money trasnfer issue
I took out MBNA card on 24 Nov last year. On 27 Nov, there's a promotion of 0% for 18 mnths and took out £3k. Again on Jan'24, there's an offer of 0% for 12 mnths. I've been paying it off slowly but to my surprise received a text message saying both will expire this month and needs to be paid. Spoke with them over the…
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Amazon Barclaycard
Recieved my Card 09th August. Called 15 times so far. Emailed numerous times. No answer to emails. Been told 15 times no fix yet for RG105 we will reach out...... What a Joke .
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Exchange rate
How can I check that the exchange rate given by my credit card is at a favourable rate? I've looked at oanda.com for the rate on two dates when exchanges were made, and see the following: oanda rate 0.90624 0.90454 card rate 0.90512 0.89657 There were no other charges for the transactions, so the only consideration for the…
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Minimum credit limit - explain
Can someone please explain minimum credit limit to me please. In easy to understand terms. I am looking to get a 0% credit card and have been offered one with a fixed minimum credit. Not sure if I should take it.
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M&S Credit Card Application
I’ve recently applied for a M&S credit card. I did an eligibility check and it said I had a 80% chance of approval (I know this isn’t guaranteed). I got an email suggesting a decision would be made within the next 5 days. I was wondering if anyone had any recent experiences of applying for a M&S card.
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Credit card for spending abroad
Can someone tell me what is the best CC (excluding DC like Chase etc..) for use abroad nowadays ? I am a long-time Halifax Clarity cardholder, but it looks like these 2 are now slightly better Virgin Everyday cashback credit card (0.25% cashback, no fx fee, MC exchange rate) Barclaycard Rewards cashback (0.25% cashback, no…
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Sainbury's Gold Credit Card
I still have a Sainsbury's Gold credit card, however it is incredibly difficult to find out any information about fees when using the card abroad. There is nothing online anymore and even phoning the Sainsbury's Bank helpline usually imparts incorrect information. I have just made another call to them and was initially…
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Best way to pay off multiple
Best technique to pay off multiple credit cards? They are all of different balances and some are 0% and some not The top 3 are around 5500 each and the lowest few are say between 900 and 2500 Help would be appreciated
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Getting more credit cards
Don't like using these but may need some money soon to pay for my part of freehold. Shall I just go to as many banks as possible and apply? I'll try bank loan first but if that fails. With bank loan I found if I don't say I have one dependent and up my income a bit they accept
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My credit card company want to close my account due to inactivity
I hold 2 cards with tesco bank, available credit over the 2 cards apx £10,000, that i haven't used in a year and I've just received a still need your credit card letter? Due to the cards not being used they would like to close my account but I can keep them open if i use my cards by jan 2025. I have been holding on to them…
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Reducing credit card debt
Best way to reduce credit card debt? Some are on 0%, some are not Some are high balances, some are not Is it best to snowball and go from lowest balance to highest? Thank you
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John Lewis Card £40 in points offer
I received an email offering me the John Lewis credit card with a £40 points offer, £20 for signing up and £20 for at least 3 shops in Waitrose of £50 or more in the first 60 days. No idea if this is a personalised offer or generally available. I am far from a regular Waitrose shopper, but presumably I can use the card to…
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Amazon Barclaycard - Update for those still getting RG105 error and can't register on the app
Just spoke to Amazon Barclaycard. Apparently those of us that are still getting the RG105 error and can't register out card using the app, will either be text or emailed on Tuesday to phone in and register our cards over the phone. (Funny as it's day 1 of Amazon Prime Days) Don't hold your breath
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Question on BT end timing
I have a balance transfer coming to a end on the 20th Dec. My statement is created on the 17th, does that mean that if I pay the amount o/s by the 17th Dec statement due date in early Jan, I will pay no interest even though the BT finished on the 20th Dec?
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RBS credit card positive balance.
I have an RBS credit card. I've had it for at least 30 years. About 20 years ago I changed banks but kept the card (unused). Just after changing banks I was refunded a small amount to the card and ever since every month I have received a statement showing a small positive balance, I have never had any other communication…
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Barclaycard. The oddest application I’ve ever made.
I applied mid August for 0% balance transfer card at the end of the online application a message said we need to make further checks and will get back to you within 5 working days. Three weeks later, nothing. I’ve phoned them three times and had a lengthy ‘chat’ online, each one ending with some generic phrases about what…
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Easier way to get long term balance transfer card?
I tried the MSE eligbility card checker. It seems that I can no easy get a balance transfer card with enough of long period to pay off credit cards. My salary has not really increased in a 2 years. Pitiful £2K. I used to be a contractor Outside IR35 (IT Software Consultant), but gave up contracting in 2021/2022. Closed my…
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HSBC Visa Credit Card - 10% cashback offer (1st Oct-31st Dec 2024)
Just received an email from HSBC offering 10% cashback for 3 months on groceries, fuel and UK travel (up to £50 per month) with my Visa credit card. 5 purchases or more on the above will be required too. Keep an eye out for an email as you have to opt-in by the 30th September 2024. You probably have to be an existing…