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A warning - stay way off Barclaycard when abroad
I'm sure many of you savvy folk know they charge 2.99% on non-sterling transactions so using them to spend abroad or draw cash makes no financial sense. However I did use them for the deposit of a car rental because I wanted the section 75 protection and as it's just a deposit no real transaction takes place - they just…
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Fraud on an MBNA credit card - a (mostly) good experience
A couple of weeks ago, I logged on to my MBNA account and immediately saw that there was something wrong - the total owed was about £1,200 when it should have been about £50. A closer look revealed three fraudulent transactions a week earlier - two debits and (very strangely) a £50 credit. There was no way that these could…
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Halifax Credit Card - Interest Charges
Ok, help me with this question! I have several credit cards, barely used and if they are they are paid in full when the statement is issued so I do not pay interest. It was my understanding that: You buy something You get a statement showing your purchases weeks / days later You pay in full before the due date You don’t…
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Section 75 and grey area
If I use my credit card to pay £1 of a £120 pound product and my partner uses her debit card for the other £119 ... can I claim section 75 for the whole £120 if there is a problem with the product?
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Chase launches new credit card with spending perks – but is it worth getting?
Chase has launched its first ever credit card offering 15 months at 0% on spending, as well as being fee free to use overseas. However, it's only available to customers with its current account. So is it worth getting? Our analysis shows it can be beaten – here's what you need to know: Chase launches new credit card with…
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Holiday Money - on Credit Card
Hello, looking at a good credit card, for spending on holiday, will need some cash, but would also like to use for taxis, restaurant's, shopping etc. When returning home, may no be able to pay off in one hit so concerned at the 30%APR cards. Any ideas? Thank you.
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AMEX Gold card renewal or downgrade?
Hi there, I have taken out an Amex Gold card last year in July and in a month the renewal would be up, which would cost me £195 to have it for another year. As great as the benefits are, the price is not worth it for me to extend it's term as I have only made limited use of the offers. I am not sure yet, if I downgrade to…
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Section 75 ?
Hi all Forumites - I am a member of a club with approx 120 members. If we get a club credit card for larger purchases...within the Section 75 limits, are we still covered under the act? I know how it works for an individual but unsure if it covers larger purchases for a club.....?
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Lloyds and Halifax Payments and Card Being Blocked
Hi I have a Halifax Credit Card that I use for everyday spending, and I pay off the balance every month. This is not the first time that I have had problems with a payment being blocked to a genuine UK company (In this case to pay the balance on a holiday), on the grounds that it is a suspicious transaction as it is…
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Lloyds/MBNA
So I’m getting close to when I’ll need to move a 0% balance that is ending it’s around 4-5k on there websites direct I'm pre approved £3,500 for both cards so I was hoping to only need one card. We go away in 3 weeks for 4 weeks so realistically don’t think I can make up extra payments maybe when we got back to pay off…
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Barclaycard Rewards Card CPAs
The dental practice that I use has introduced new computer software. Previously, monthly subscriptions were taken by Direct Debit. The new software does not support that. They can now collect monthly subscriptions only via credit or debit card Continuous Payment Authorities (CPAs).They wanted me to set up a CPA up over the…
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Festival Cancelled – CC Refund Claims Being Rejected
I purchased a ticket for a music festival in Nov 2024, to be held Jun 2025, but it was cancelled circa 1 month prior to the event. (It seems that it was due to financial viability as the organiser cancelled several festivals, but their company status is still “Active” at CH.)I paid with my Mastercard and bought the ticket…
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Section 75 or Chargeback query
Hi, I purchased a watch in Lanzarote mid March on holiday. It was over £100 and payment made using a credit card When I got home I discovered the watch wasn't working. I contacted the manufacturer in the UK and they wouldn't accept it as a return as it wasn't purchased in the UK. The best they could offer was for me to…
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Got new 0% balance transfer CC from Vanquish, but Zable won't allow me to do transfer balance
I've been working on rebuilding my credit and my scores have finally increased to qualify for a 9month 0% balance transfer cc - i applied with the sole intention of shifting over my very expensive Zable CC and paying off during the offer period. I was accepted for the new card and put the the details of my Zable CC to…
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Amex preferred rewards gold card worth it?
For the last few years my wife and I have largely used our Amex Platinum Cashback credit cards for everyday spending this has an annual £25 fee and we pay the balance off in full every month without question. The result is usually around £250 to £300 back annually from Amex from spending between £1200 and £2000 a month.…
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Can we have a credit card on a joint account?
My partner and I have a joint bank account for household bills and each have a personal account with the same bank - Nationwide. We each have a credit card for our personal accounts. Sometimes we want to buy stuff for the household on a credit card and my partner usually uses his card but it would be more convenient if we…
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HSBC Caffe Nero offer
I got an email just now: "Make your everyday spend pay Turn everyday credit card spending into Caffè Nero drinks All you have to do is use your credit card 5 times a month – from 1 April 2025 to 30 June 2025. Each time you make 5 transactions you’ll get a handcrafted hot or cold drink at Caffè Nero. And you can get up to 3…
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Argos store card repayment plan
I couldn’t find a topic category for store cards so chose credit cards. Hope that’s ok! I have an Argos store card and have been struggling to bring my balance down because the interest is so high each month. I called them in February and arranged a repayment plan for 6 months which freezes the interest and allows me to…
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Late payment
I checked multiple times and my Lloyds credit card statement definitely says . "We'll take your Direct Debit of £3.58 from your bank account on 30/06/25." Payment due to reach account by 30/06/25. It wasn't taken. On the afternoon of the 30th I paid it manually from the current account. It's dated 30/06 on credit card…
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Virgin Atlantic Rewards Card
Some friends were raving about this card saying that they put all their spending through it and get free flights and holidays etc. Also it looks like you can use points to get flight upgrades to higher classes of seat. Does anyone have experience that can back this up? I was looking on the web site and it looks like it…
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
