-
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…
-
Barclaycard Reward card foreign transaction refund different to original payment (not exchange rate)
A hotel in Australia charged my account with $800.19 and then refunded it 4 days later with $800.19. However the Sterling amount came out at £399.43 and £393.31 respectively meaning I lost £6.12. Why is this? It can't be down to exchange rate by that much in 4 days and Barclaycard rewards say no foreign transaction…
-
Paying off Skoda VMFS finance agreement with Lloyds Ultra credit card
So I've got a PCP with Skoda VMFS and I'd like to pay it off with Lloyds Ultra credit card and I have two questions. 1. Will I get the 1% cashback? Have any of you tried it? Most probably not but I want to double check if any of you have tried and had the luck. 2. Will I be charged for it? It does say free cash withdrawals…
-
Can i use a spending credit card to pay off a car loan?
Good evening I have just read the article about spending credit cards and balance transfer cards. I wondered if someone could explain to me the following please. I wish to make the end payment on my car which i had intended just putting on my credit card then paying off. I still wonder though if i could use a 0 per cent…
-
CC Balance transfer failure
Last week got a new Virgin CC at 0% and had a successful balance transfer-in on opening it. Still below the Virgin credit limit and a further CC balance with the RBS bank CC. So in the Virgin App tried to transfer the RBS in as well, but that was not accepted, simple saying 'cannot transfer in from any CC in the Clydesdale…
-
0% balance transfer rate at an end...
My 0% balance transfer rate is coming to an end with Barclaycard. I've just done a quick check on here to see if anyone else might give me a 0% balance transfer card for me to transfer my outstanding Barclaycard balance to, and the MSE eligibility checker has come up with nothing. Meanwhile, I keep getting letters from…
-
Tesco Clubcard Pay+ altertnative
It's no surprise that after the Barclays takeover, TescoBank have announced that they are withdrawing this card from April 2026. I have found this card invaluable in places that won't accept cash but can be risky carrying your usual debit card ie. swimming pool, where you leave valuables in a locker. I would like open a…
-
Sainsbury’s credit card transfer to NatWest
I have a Sainsbury’s credit card and have received various communications regarding the transfer to NatWest - I’ve received security info and activation codes from NatWest - l have registered for the app - I’ve had confirmation that my details have now transferred to NatWest but when logging in to the app the message says…
-
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?
-
HSBC credit card length of promotional period
I took a new card for 0% purchases in July, but I can't find anywhere that tells me how long that promotional period is (yes I should have written it down at the time)! Current offer seems to be 20 months but I can't find it written on my statements or in the HSBC app (not tried the website OLB yet) so it might have been…
-
Section 75 claim for defective laptop repairers won't return?
Hi all, I'd like to understand my options and chances of success for an S75 claim for a faulty laptop. I bought this in August 2024 but it was never right, partly because it was not fit for purpose, probably not because of a defect but because of an inherent design issue, and partly because of a number of manufacturing…
-
Aqua "service" e-mails
I always turn all marking off as don't need to be spammed. Two emails from Aqua today, one about I can use Google pay another I can use their instalment plans. They class these as service mailings, but I classed them as marketing, as I wrong? (none of my other CC sent me anything like these e-mails).
-
0% moving stuff around
So just want some advice if this can work and makes sense…… So credit card 1 has £700 on it 0% ends in 1 month was at £2,500 but now have a new offer on the card for 12 months 0% 3% fee So I do have a RBS card with 0 balance but no offers but I can transfer to this card 0 fee at the standard rate 23% could I take transfer…
-
Getting a credit card when I've recently been living abroad
Hi everyone, I'm keen to get a credit card to build up my credit history. I used the soft checker on here and got '100% pre approval' on an M&S purchase plus credit card. However I had the same result with a different card a few months ago, but when I went to apply they said I wasn't eligible due to not having 3 years of…
-
Natwest CC Application - Radio Silence?
I submitted an application for a Natwest CC on Sunday, got sent a pre-contract agreement and submitted the Liveness check/documents for Mitek ID verification. I received an email on Sunday saying that I’d hear from Mitek if they needed anything else, and if not, I’d hear from Natwest instead confirming that my card was on…
-
Is there an up-to-date list of how quickly credit card providers will deem you a new customer again?
I'm thinking of closing several credit cards and then reapplying to the same providers in order to take advantage of new customer interest-free deals. Is there an up-to-date list of how quickly the different providers will deem you a new customer? I remember seeing one online years ago, but I can't find it now.
-
Section 75 query (following successful claim)
After causing me nearly £400 of expenses, British Airways refused to refund them. They did not contest that their lack of duty of duty of care caused the extra expenses, but stated that they didn't believe they should pay me back. So I made a Section 75 claim with my credit card company (not a chargeback). The amount…
-
Can I balance transfer credit cards and my overdraft onto a new 0% credit card?
Looking to consolidate my existing credit cards and also my overdraft onto one balance transfer card. Is this possible and if so, what is it called? I'm unsure what exactly I'm searching for
-
Refund onto card
I lent someone some cash and they paid my council tax bill with their credit card in lieu of paying back the loan. I'm due a refund from for the council tax. Does it have to be repaid onto the same card?
-
M&S Data Breach Compensation
I received a text asking if I want to start a claim via. jointheclaim.co.uk I’m never sure about getting stung for charges with these firms if the claim fails so obviously a bit nervous about doing it.
-
Section 75 Settlement Offer
We had a bathroom fitted starting in 2021 and paid with credit card. The merchant messed us around but they finally finished the work in early 2022. By late 2022 defects started to show and we contacted them to fix things but they ignored us. I lodged a section 75 claim in December and (after much back and forth including…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.3K comments
Most recent: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
