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New to the UK: Getting a credit card
Hi everyone, I moved to the UK in August 2024 and I have been struggling since then with the UK's credit system. A friend recommended me this forum for advice (already a while ago) and I have seen some threads. So here are some details: When I arrived amongst the first things I tried to do was get a Barclaycard, and the…
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Debenhams credit card new points system
I've had a Debenhams credit card for quite a few years after a cashier in store suggested I get one to take advantage of the discount that was on offer at the time. I still have the Debenhams credit card, and recently they've brought back points, which can be converted to a voucher to spend online at debenhams.com. I just…
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road trip to usa, 14 room security deposits! which type card?
Hello, Everyone, hope you are all well.I am going to do route 66 next year, one son will be coming aswell as his girlfriend.I don't have a credit card, son & girlfriend don't have them either-Looking at the trip, we will spend 14 nights in motels along the route.Room rates vary a lot, as it's a mix, not just one chain,…
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Inadvertent purchase on credit card which has a 0% money transfer deal on it
I have a credit card with which I have taken advantage of a 0% money transfer deal ending in December 2025. Up until now, I have avoided making any new purchases on this card but, to my dismay, I missed noticing a recurring renewal assigned to this card which is now in the process of being paid. Is there anything I can do…
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Amazon Barclaycard, are people closing their normal Barclaycard for this?
There is a lot on here who have the card, but there is a limitation that you cannot apply if you have a normal Barclaycard. So curious if people have found a way round it, or they just cancelled and waited 6 months to apply?
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Santander Edge Credit Card Credit Limit
I’ve just applied for this as I have a Santander bank account to replace my Chase for cashback. Has anyone got experience of changing credit limit, just looking and they’ve only given me £700, so I’m never going to maximise cashback on that basis. I already had a Santander All In One Card which I’ve got a credit limit if…
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Need help re: Debt Collection
Hi, I'll try to keep this brief, but essentially I need some advice on how to proceed. The back story is i got behind on a credit card with payments, i reached out to them to explain the situation and request if i was able to be put on a payment plan to clear the balance and then was going to close the account. I didn't…
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Does section 75 cover a dodgy holiday booking?
Hello, We are looking to book a villa in Sri Lanka. We have researched the place and checked out reviews/Google maps etc and it looks legit. It's much cheaper if booked through their website rather than Airb&b (we found the website separately, not through them telling us about it) but we then lose the protection of Airb&b…
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Merchandise Interest really high
I've not spent anything on a credit card for about 6 months but have recently started being charged Merchandise Interest on the credit card. I currently pay about £100 a month off the Credit Card and then £60 gets taken from that 100 as Merchandise Interest meaning I'm effectively only taking £40 a month off a credit card.…
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Failure to respond to KYC resulting in ‘Arrangement to Pay’
On January 18th 2025, Amex cancelled my British Airways Premium Credit Card after 10 years of being a cardholder. This was due to my failure to respond to the ‘Know Your Customer’ request, as per legislation. I have no issue with the account being closed and have never requested it to be re-opened. I no longer wish to be…
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Is there a downside to making only minimum payments on an interest free debt?
I have a longstanding debt with Capital One which I have been paying down gradually over many years. With a remaining balance of around £2750 they have now written to me and advised that they will no longer be adding interest or charges and, so long as I continue to make minimum payments, will not count against my credit…
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Contactless Cards Changing Money Amounts
I’m all for our banks to settle an amount we can have contactless, with the new rules coming in, I would like to temporarily increase this amount for plumbers etc as I can’t leave home to get cash out. We should be able to change the amount via our banks website page and add a reason why just like if we were paying others…
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Has anyone ever made an unaffordable lending claim?
Any advice on how to go about an unaffordable lending claim? I was given a credit card at 18 for into £3k debt and was never able to pay if off, debt got sold to PRA and I was given a CCJ about two years ago. I want to get it removed as I believe it was irresponsible for them to lend me that when I had no clue about money!…
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0% off with a balance
So all cards on 0% are on course to be cleared but 1 was always going to have a balance on it at the end looks like it could be around 2k on it by the time my 0% runs out. My HSBC card currently has a offer on it for 18 months 0% this card I think has a around £2,600 left on it and the current 0% deal it on has 7 months…
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HSBC - new card signed up for but zero communication?
Signed up for a HSBC CC on Friday night - was accepted & it said I could create an online account once I receive my card (within 5 days) Assuming the card will arrive this week but I’ve not received an email or any communication so far. Is that normal?
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Credit card 0% transfer
Hi, I have a credit card that is due to run out of the promotional period of the 0% interest on 17/05/25. I normally apply for a new credit card and have no issues transferring the balance. A few days ago I applied for a Barclay Card credit card requesting a transfer of £4k balance. This was pre-approved and as it was the…
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0% promotional period expiry date for Tesco Credit Card
I did a 0% interest money transfer from my Tesco CC in Jan 23. I didn’t make note of how long the promotional rate applies. I looked back to the statement that included the transfer, and my latest statement neither states when the promotional rate ends. Am I missing something? I looked both on the app and via the website.…
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Existing Customer Balance Transfer Offers
What sort of offers are existing card holders currently getting for new 0% balance transfers? For example mine range from 3% for 18m with Santander to 5% for 12m with Lloyds.
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Best credit card for travel points.
Hello. I've read the guide on credit cards for travel points, but have a question I couldn't find an answer to on the page or on the American express website. There is currently a bonus offer on American express of 38000 points for signing up and spending £3k in three months. But after 12 months a £195 annual fee. If I…
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Having to go to financial ombudsman now that I've been called a liar. What to submit?
Having never had to do this before, what do I send to the F.O. regarding this? I imagine I'll send them a letter outlining what's happened and why I am now contacting them. Do I have to send on copies of my letter of complaint to Amex? What about Amex's original letters (before my complaint) witholding money I believe I'm…
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: Are BT 0% offers usually on new cards? by kimwp
5 August at 9:57AM
