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Credit Card claim
My husband died in June 2025. I have noticed that he paid a deposit of £1665 for a holiday for May 2026 using his Barclaycard. He had not sorted out travel insurance, but I wondered if I could claim the deposit back from Barclaycard as I am no longer able to take this holiday. Thank you
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Mortimer clarke / cabot historic debt with barclycard
Mortimer clarke sent me a letter this week acting on behalf of cabot who purchased an old debt from barclaycard I have never spoken with cabot ever I am disabled now on benifits amd not well Barclays £1500 debt they say with court fees with be over £2000 I have not paid anything from the debt since before covid as i was…
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Can someone help dumb this down (even more) for someone who's trying to learn credit card basics...
Hi! So for the past few years, I've made tried to make the effort to learn about credit cards and how they work, but for the life of me, my brain just can't grasp even the most basic of information in relation to how they work, when to use them, when I should pay off a credit card etc. etc. I don't know why I'm struggling…
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Credit cards - cancelling and applying for new
I currently have a British Airways American Express® Premium Plus Card, with a hefty annual fee of £300, due to be renewed in January 2026. Having shopped around, the American Express® Preferred Rewards Gold Credit Card is more aligned to my spending habits, so my question is this: Should I cancel and close down my current…
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Transferring funds from a PlusNet reward card
Hi all, I've recently signed up to plusnet and have been given a plusnet reward card. I'd rather have the 65 quid in my bank account to help pay off a 0% Overdraft I used to pay an unexpected demand for fees from my PhD. However I can't seem to find away to do it. The terms of the card say I can't withdraw cash from it at…
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Balance Transfer Credit Card - minimum payment 1% of balance
I hope someone can help. I have a credit card whose 0% offer is expiring in the next few days. I need to transfer the remaining balance (around £6500) on to a new Balance Transfer Credit Card. Currently the minimum payment is 1% of the balance, and I need a credit card that matches that. I got a long way through the…
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Balance Transfer card - does transfer have to happen when opening account?
Please can I ask a very quick and hopefully simple question about balance transfer cards. Im looking to transfer around £750 to a 0% balance transfer card and pay it off over around 6 months - in general, do you need to do a transfer during the application process or can you transfer afterwards? Ive done the eligibility…
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MBNA to Lloyds / Halifax Balance transfer
Possible or not as part of same group. Lloyds saying only not possible to other Lloyds cards ?
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Persistent Debt Discussion
Hi! This is the discussion thread for the Persistent Debt guide If you haven't already, join the forum to reply. Thanks! [purplesignup][/purplesignup]
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Credit Cards
Do you have one? If so what do you use it for? I use mine for fuel mainly for credit score rating but thinking do i really need one 🤔
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Transfer balance cards
Hello! Seeking advice for my friend 😊. Her husband and several credit cards, all have money owed on them but he’s being charged interest. He tried opening a balance transfer card to lighten the load of the interest but a quick check on the MSE checker showed he is ineligible to apply for one as he is retired on ill health.…
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Contact after chargeback
Hello, I recently purchased a device that arrived faulty. I contacted the seller to request a return, but instead of following their own terms and conditions they kept asking me to perform troubleshooting that I had already done and documented. A lengthy email exchange followed (over a few weeks), where they repeatedly…
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Merged: Having huge difficulty with trying to get a balance transfer
This discussion has been merged.
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Vanquis balance transfer card - not being able to balance transfer at application stage
I have a balance i need to transfer from another credit card. I applied for a balance transfer with HSBC but without going into details, its taking FOREVER and I dont even know if I'll be accepted, so I went back onto an eligibility calculator and saw i was pre approved with vanquis. I applied and the next day I got a…
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Bought a pram for my daughter's newborn baby, it's faulty, Section 75 rejected by MBNA (LBG)
At the end of June, as a gift for my daughter's baby and my first grandchild, I bought a pram bundle from retailer Mille and Ralph, I used my MBNA credit card for just under £1,000. The baby was born on 15 September 2025, within two weeks the wheels started to fall off - the pram was clearly dangerous and it went back for…
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Should I keep my Credit Cards open?
Hi there, hoping for some advice please. After years of credit card debt, I finally paid them all off this year - woohoo! :* I currently have several credit card accounts open as a result of multiple balance transfers throughout the year, but my balance is £0. My total credit limit is £42,100 spread across seven cards. All…
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first direct Classic Card statements disappear from the App
First Direct moved me from a Classic Card to a Credit Card on 5 November. They emailed to say "the only things that will change are physical card, card number and payment details". What they didn't say is all my statements have gone from the App. Six years of my spending history is now ... history! Has this happened to…
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Problem with balance transfer
So seeing if anyone has had this problem? ! Requested a balance transfer for my new credit card ( first direct) to clear the balance off my old credit card ( NatWest). Now this was done last Thursday and the balance on my new card is showing the balance I requested off my old one. Fast forward 8 days later and my old card…
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Difficulty with getting hsbc credit card
I dont know if anyone else has experienced difficulties in dealing with hsbc when trying to open a credit card - ive never had these issues with any other bank before. I applied for a balance transfer credit card on 19/11/25. On friday 21/11/25 I got a text message to say my application had been accepted and my credit…
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Possible to dispute these charges?
Hi there, I'll summarise my position... Halifax credit card balance 23/10: £125.39 Payment due date: 18/11/25 Refund from merchant (31/10): £111.16 Total amount outstanding: £14.23 I forgot to make my own payment, so at the 18/11 the amount outstanding was still £14.23. Credit card statement 23/11... Late payment charge…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.5K comments
Most recent: Amex is good-but be careful. by clive0510
3 July at 11:00AM
