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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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Instant use credit card with welcome bonus?
Does anyone know if there is currently a credit card with a welcome bonus (cashback, supermarket points, gift card etc) that can be used instantly (without having to wait for a physically card by adding it to Apple wallet for example)? Looking to purchase flights in the next 48 hours, so thought it’s a good opportunity to…
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Random Declines - could be dangerous
I have both top recommended travel cards, Halifax Clarity & Lloyds Ultra, and took them both on holiday with me just before Xmas. Both card issuers are part of the Lloyds Banking Group, so presumably, use the same systems. Neither banks needed to be told where I was travelling to, beforehand. Upon arrival in foreign parts…
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Credit Card for Student with Seasonal Work
We are a little old-school and only make online payments using a credit card as to not expose our current account unnecessarily. We want the same for our son, but he's a college student who can only work through the holidays so not earning £10k pa which seems to be a threshold for cards. Is there a card on the market that…
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Virgin credit card issue regarding balance
Basically when I opened up my Virgin credit card app it shows me my available balance and how much I owe when I click on that it comes up what makes up my balance when I click on that it then appears we have a balance of £2018.57 with a list of promotional rate purchases promotional money transfers and cash and other…
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Advice needed for help with a high interest credit card
Hello, I'm trying to manage the debt spiral I'm in. I have 3 cards on 0%, and my problem card with Vanquis. It has £4355 balance, the interest is crazy. So I followed the advice about a debt shuffle and called them to see if they could shift to 0% or freeze interest to allow me time to reduce it. They told me the interest…
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Charged interest for balance transfer on Asda Money Credit Card
Hi all, I recently signed up to an Asda Money Credit Card to do a balance transfer as it was advertised as 0% for 12m. However, they started charging interest (around £100) as I missed a minimum monthly payment as I set up a direct debit up too close to the due date and a payment was missed. They made no attempt to contact…
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RBS Credit Card Blocked
Hi My 0% rate is due to end in Jan. On 22nd Dec I did 1 balance trasfer to another card I have, another 1 balance transfer to a new card that I will be replacing this one with. I also made 2 payments. My usual monthly payment from RBS account and another from my savings also RBS to clear the blance. In total about 9k for…
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Balance transfers
Hi am wondering if anyone can help me please, I’m looking at funding a surgery privately, it may cost around £10.000, I have an offer with my bank for a personal loan but after paying off current loan and paying for this years holiday it will leave me around £2000 for the surgery deposit, I have 2 credit cards both with…
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Should I close some of my 12 credit cards
I have amassed 12 credit cards over the years currently with a £51,600 combined limit, I did have 13 but I closed 1 last year (118118Money). A lot of them are sub-prime as they were applied for when I had a low credit rating (default and CCJ) however I do now have some good cards including Amex (£10k limit), Chase (£15k…
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Barclaycard Rewards
Hi all :smile: are there any credit Cards out there that's better than Barclaycard Rewards?
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Section 75 for Legacy JL Card
I need to make a section 75 claim for a transaction made on my John Lewis partnership card back in January 2022. I no longer have a John Lewis account but I understand that I can still make a claim despite this. I did some reaerch and found that John Lewis used to use HSBC at that time (they switched to Newday later in…
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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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Is the Chase Credit Card Better than Halifax Clarity?
I'm trying to slim down some of the different banks I have accounts with. At the moment, I have a Halifax Clarity credit card, which I use rarely but it's useful when I do use it - most of my spends are on American Express. The primary reason I got it years ago was the fee free spending abroad, although it's also useful…
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Balance transfer question.
I have £1700 on one credit card which is a mixture of balance transfers until 2027 and a very small amount of purchases. It has a deal of a balance transfer of 5.9% rate over 30 months with a 0% fee. My other credit card has a zero balance and 0% balance transfer rate with a 3.5% fee until end of 2026. I pay off around…
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Barclaycard Credit limit
I use my Barclaycard Rewards Credit card for my spending abroad as it gives me 0.25% cash back as well as being no fee and good for ATM withdrawals. However I have a rather small credit limit. £3000. When I am travelling I often get to my limit before payment day and then have to pay it down to create more room for…
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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…
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UK-drive.com
A relative has recently moved and absolutely believes she changed her address with the DVLA on the official gov.uk website. However, she has now noticed that she is being charged £39 a month via her credit card. We googled the site from the statement reference. She doesn't recognise the website and doesn't have any emails…
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New credit card
I recently switched current account from Smile to Lloyds. Partly because Smile’s website is showing its age/becoming glitchy and partly to take advantage of Lloyds £200 switching incentive. I also decided to close my little used, nil balance credit card with Smile, thinking it would be simpler to have one with Lloyds.…
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Finally learned my lesson
Hi, I have been in debt since the age of 18. I am 49 now. I am paying off a DMP with 6k left. I have 5 credit cards, all with a 0 balance. I log on every day and it fills me with joy to see a 0 balance. I use them but pay them off in full every month so I never pay any interest. This is my 3rd and final DMP. I'm so happy…
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Moved: usd saving account with high interest rate
This discussion has been moved.
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
