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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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Why does credit score go down when utilising your limit?
My credit score has always been excellent. Checked it today and its dropped to good. Looking at the reasons why it was because i used 50% of my limit last month. I did as i was travelling so used my credit card alot. I paid this off the same day as my bill arrived. So whats the reason for being penalised for using half the…
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Unused credit and debit card fraud, how ?
In December 2023 I took out a new credit card with the single purpose of doing a 0% balance transfer to pay off some money. I have NEVER used this new credit card for any other transactions in person or online. In fact the card has never left the house since I received it, and has been hidden safely in a drawer. Yesterday…
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Which retailers offer contactless cash at till (cash back) using Apple Pay with Amex, in the UK?
I have iPhone with Apple Wallet app, in which I have virtual Amex card and need to access cash with this, if possible, while my physical Amex card is damaged. I have made purchases using my Apple Wallet, with my Apple Pay and Amex, but have not found a retailer that does cash back at the till, unless I use my physical Amex…
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Mastercard users may be eligible for up to £70
https://www.bbc.co.uk/news/articles/c14kkjyrk20o am I reading this right ? Claim form here https://mastercardconsumerclaim.co.uk/ (Not live yet but soon will be) You could be eligible for up to £70 from the Mastercard settlement - even if you never used the provider Millions of Britons could receive up to £70 each…
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major purchase
hi all, i was a little shocked at no discount for cash i'm in the middle of doing the house up and now moving onto new windows required after i got the price i asked the salesman if any discount if i paid by bank transfer and the answer was no, if i wanted to save money i could have 0%12 months, i have the funds to pay in…
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I never seem to get Balance or Money transfers offers with low fees.
When my existing cards offer them they are always in the 4.99 % range. I don't need the balance transfers but I sometimes use the money transfers - but like I say always (for many many years) 4.99% fee Do any of you have the same issues?
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Credit card export format
Until recently I have been able to export my Bank of Scotland Mastercard statement Now the export format has changed and I don't get any values for transactions The Bank's helpdesk tell me there nothing wrong with their system Anyone have the same issue or able to suggest a resolution
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New yonder debt card
Dose anyone have a spare invite code for the new debt card thanks
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Barclaycard online login problem. Anyone else?
App no issues. trying to login online i just get "system error, you've been logged out for security, login again" - or thereabouts. anyone else? thanks.
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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).
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Son used my credit card without permission, even after card replaced
This discussion was created from comments split from: Has anyone ever made an unaffordable lending claim?.
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Trouble Receiving UK Bank Cards in the EU Post-Brexit — Anyone Else?
Hi all, has anyone else in the EU had issues receiving bank cards from UK banks since Brexit? I’ve been having a frustrating time with this — my bank claims they’ve sent multiple cards, but nothing arrives. From what I gather, the problem might be due to post-Brexit rules classifying bank cards as “goods,” meaning they…
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NaffWest balance transfers payment allocation
I am in comms so far unsuccessful with NW and wondering if anyone else has had a similar issue. I opened a new card with a 0% balance transfer ~10 months ago that's reverting to 22.44% in August and then added another BT in Feb at 0% reverting to the same rate in Aug 26. Their ts and cs say payments are first applied to…
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Nectar to Avios conversion issues
It appears Nectar to Avios conversion is not working for me. Firstly, I tried manual conversion, I repeatedly got message "failed". Then I tried to setup auto-conversion and as far as I understand it is done on Mondays, so I expected it to take place today. Still no luck, a few thousands Nectar points still sitting in my…
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M&S Rewards Vouchers - cannot be redeemed - result of hacking attack
Hi all We share a M&S credit card which we use for all monthly purchases,and one of the benefits is that we get vouchers each month that can be spent on goods with M&S. These vouchers have a fairly long expiry date, so we save them up to spend on more expensive items. We have quite a few vouchers that expire at the end of…
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Virgin money
Ok guys hopefully someone can help me I did a money transfer from my virgin money credit card to my bank. It says on the website it takes 2-3 days and a bit further down it says if the transfer is made before 4.pm Sunday to Thursday it will be in bank next working day. Has anyone did this before and is it next day or 2-3…
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Time between closure and new application
Is there an approximate time for waiting from closing a credit card account for it to reflect on credit report before applying for new one? I have an AMEX with £13k limit and £0 balance, but I want to close it so I can get a ~£10k limit to transfer another balance where the 0% period has ended. Applied for a Barclaycard…
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118 118 Money – Terminated My Account, Wrong Clause Cited, No Explanation, and Now Demanding Full Re
Hi all — looking for advice or if anyone’s experienced similar with 118 118 Money. I apologies for the long post but need to get all facts down so it's clear. I am happy to post a copy of the termination letter and agreement with sensitive bits redacted if it helps. The situation:Used my credit card to do a few Western…
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Credit card balance transfer from Sainsbury's to NatWest - still possible?
Sainsbury's bank, as we know, is moving to NatWest. I have a Sainsbury's credit card that I'm looking to do a balance transfer from. Annoyingly, the best deal for me is with NatWest. As of May 1st, NatWest are now the legal owners of Sainsbury's accounts, however, according to their info pages, the accounts won't be…
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0% balance transfer for credit card cash withdrawal
Would it be possible to withdraw £1200 cash from credit card at 10.58% interest charge and balance transfer to new 0% credit card? Would this adversely affect my credit rating?
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
