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Paying off Skoda VMFS finance agreement with Lloyds Ultra credit card
So I've got a PCP with Skoda VMFS and I'd like to pay it off with Lloyds Ultra credit card and I have two questions. 1. Will I get the 1% cashback? Have any of you tried it? Most probably not but I want to double check if any of you have tried and had the luck. 2. Will I be charged for it? It does say free cash withdrawals…
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Moved out of parents address - time to balance transfer
I have four credit cards totalling £17k that I need to balance transfer in a few months, however I have moved from my parents house buying my own house - will this effect the balance transfer applications to other card providers?
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Additional Credit card for non uk resident
is anyone aware of a uk credit card I can add as additional card holder to an eu family relative who is not based in the uk and makes purchases for me from time to time. At present I have to reimburse purchases or pay in advance. It would be easier to give them a credit card and just buy stuff when needed. my current…
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Moved: Laptop for elderly but computer aware pensioner
This discussion has been moved.
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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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Virgin Money Credit Card Limit App Error
A long story short. I have 2 virgin credit cards. I increased my credit card limit on credit card 1 from £7100 to £9000 in the app. Successful. When I navigated back to the homescreen the limit was still £7100 However, credit card 2 limit was REDUCED from £11500 to £9000! It is showing as -£500. Obviously there has been an…
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Strange issue with credit card verification texts...
This is a strange situation that I've never encountered before and cannot find any useful info on tinternet. I'm hoping someone in MSE land may know what's happened, as it's worrying me slightly. Apologies if this is the wrong place to ask this. We've recently had a new credit card - I am the main cardholder, my husband is…
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Barclaycard Cashback Rewards never received £40
I had a Barclaycard Cashback Rewards account linked to my Barclaycard. This scheme came to an end and I was advised by Barclaycard to take my rewards from the scheme. There was £43 worth of rewards so I ordered £40 pounds worth of Caffe Nero vouchers. They accepted the order but the emailed vouchers never arrived. The only…
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Barclaycard Rewards
Just received email from Barclaycard We’re relaunching our Barclaycard Cashback Rewards service in the app and changing the name to Barclays Cashback Rewards. Keep an eye on your inbox for more news and updates soon. Wonder what other changes are in the pipeline beyond the name change ?
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Argos store card
I have recently received a letter from Argos store card stating that as from January 2026 my account will be closed and any outstanding balance will be wiped off and my account shown as settled. This is due to Argos financial services not managing Argos cards. Does anyone know if this is true as in effect the letter is…
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Mastercard Securecode - associated phone numbers
I may be being stupid but …. when I recently bought an item online I had to obtain a code. Two phone numbers were offered for receipt of the code , one of which was our old home number, this has been out of use for 12 months. HOW, can I remove this old number? The bank(s) concerned have been updated and the number no…
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Virgin Atlantic Reward+ card cancelling before anniversary
Hello....hope this makes sense. My anniversary date is the 14th August and I've got to spend £10k in order to receive a voucher and I know I'll definitely do that by mid April. I took the card out because I had just downsized property to my 'forever' home which needed major refurbishment work and new furniture & fittings…
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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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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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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…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by surreysaver
27 February at 12:22AM
