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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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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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Gift Card Purchases Using a Credit Card
I purchased 2 x £50 gift cards for a well known online clothing company. When I searched for this company’s gift card at the top of the page was Giftcard .co.uk so went ahead and bought from them. When looking at my bank statement they had charged me a 3% fee. I complained and was told that it was because that were…
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Taking out multiple balance transfer cards at once?
Hey! For context my financial situation is improving after some bad health and missed payments and I finally have some balance transfer options open to me. I have opened one and transfered a small amount of my debt but can I open more that one (if approved) in quick succession to reduce interest paid? Or is that a bad idea…
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Halifax moving from Mastercard to Visa
Anyone else got the email to inform them their credit card is moving from Mastercard to Visa? I have a Clarity credit card as I get free foreign transactions, which I thought was just a mastercard thing. It doesnt really say if this will still apply when switching to Visa, and even Halifax helpdesk werent sure when I spoke…
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Barclaycard / Barclays IT issues
Hey all, Just had a declined regular payment notification from a subscription service I have, saying my Card was declined and I need to update my card details. All details are fine and current. I did some digging and find out that there was a major IT issue over the weekend apparently, impacting both Barclay Card and…
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Merge balances or keep separate?
Hi, looking for some advice regarding 0% balance credit cards. I have a Barclaycard with a balance of £3053. I am paying £105 p/m and will clear the balance at approx June 2028 (before the 0% period ends). I also have an M&S credit card with a balance of c£1300. I pay £100 p/m and will clear the balance at approx February…
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What do I do? harge back paid but now the bank wants more evidence
At the beginning of January I made a dispute with a Chinese company for selling a CD player to me. I was unaware when ordering that it would be coming from China as the web page ending co.uk. I provided evidence the bank put the money back into my account three weeks ago but now the bank wants more evidence and they may…
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Virgin Money messed up my Direct Debit
Here's the updated question: **"I recently disputed a Direct Debit amendment with Virgin Money. On 12 January 2026, I updated my Direct Debit details, but the payment due on 15 February 2026 was processed using my old details, resulting in a missed payment and removal of my promotional rate. Virgin Money's response (letter…
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TSB 38 months BT
Hello is anyone actually eligible for the TSB 38 month BT?
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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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Credit card declined where is the issue?
Tried to book a flight with Jet2 and pay with my RBS mastercard. Transaction declined twice, Details checked second time and plenty of credit available. Not asked for otp authorisation code either time Paid with HSBC Visa asked for OTP code went through no issue. All 3 transactions couldn't have taken more than a couple of…
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paying overseas
Asking my bank to allow me to spend overseas e.g. paying a hotel bill once in America, my bank will add an 'overseas code' to allow me to do this. However they did mention, and i quote, ' theres a 50/50 chance your card will stick be blocked, but just phone us to unblock'. Now, that could be annoying with the time…
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Clearing the card balance
Martin Lewis is always repeating the mantra "PAY IT IN FULL" to avoid credit card interest. So what does "pay it in full" actually mean? Here's my scenario: In Nov I had a zero balance and spent £200 halfway through the month, so at the end of Nov I have £200 to pay. From what I understand, I have fifty-something days…
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Lloyds credit card
Just got one. My card has been blocked twice in less than one month!. For absolutely no reason!…? Overzealous fraud squad?… V unreliable as a result…😮 Oh and the first ime it happened when `I rang the fraud department all I got was auto reply!… Disappointing from such a large organisation…
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John Lewis credit card - rewards reducing
Not sure if other people are aware, points going to the basement floor. Was 1 point for £4 eleswhere. Now 1 point for £10 elsewhere. https://www.theguardian.com/business/2025/jun/07/john-lewis-points-credit-card-purchases
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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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Santander credit card
I was scammed back in august 2018. And need a copy of this statement for the people who are trying to get my money back. After so many chats in Santander app I am getting nowhere. Has anyone else had this problem
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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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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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How long before mortgage fixed-rate expiry to sort out (reduce) credit card usage?
I have a mortgage fixed-rate expiring in April 2027 (joint with my husband) I have been making full use of credit cards for spending and BTs etc, and for some reason my full credit available is over my annual income (about 120%); not sure why they let me but it did get us over some massive expenses. Have been paying it…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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