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PayPal Credit will mark my credit report if I query a transaction?
Hi, I ordered something online from a company with a co.uk website and all seemed fine initially. I paid on PayPal Credit. Subsequently I received an email which suggested the item was shipping from China. Alarms range and on further investigation I have discovered many threads of various sites about this company providing…
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HSBC Visa credit card 2% cashback
HSBC emailed me today (1 May 2026) with an offer of 2% cashback when using my HSBC Visa credit card. It appears to be invite‑only, so it’s worth checking your junk folder just in case, as well as the HSBC app for any banner notifications. The eligibility criteria may vary between customers, so make sure to check the…
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MBNA Switch from Mastercard to Visa
I have an email from Lloyds telling me my MBNA card will be switched from Mastercard to Visa in the coming months. One of my reasons for having the MBNA card was the fact it is Mastercard, where all my other cards are visa. Having all eggs in one basket can be a risk, even if small. Also this used to be an affinity card,…
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Apple Switch Payment card for Apple Pay without asking
OK. My Apple Pay wallet has a debit card attached to it. It always has, the same card. My credit card is in my autofills but nowhere else. Especially not as an option in Apple Pay. Today I discovered, by accident, that the last four Apple Pay transactions I have done were all put on my credit card! The one that only…
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Credit vs debit
Hi all. I intend to browse the pages and search but I wanted to ask for opinions about using a credit card for daily purchases. I’m in a lucky financial position that I have ample funds to be able to use a credit card as my primary spending card and then pay the balance off IN FULL at the end of the month. I feel like this…
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M&S Credit card becoming HSBC
hi, I have a M&S credit card and recently received the email confirming the transfer to HSBC. Says as I already have HSBC products I won't see a charge, my current account is with them. However I applied for a HSBC credit card about 2 years ago and was instantly rejected. What is the likelihood HSBC will cancel my M&S card…
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Natwest reward card interest charge
Interested to know if anyone else are having the same issue as me with their Natwest credit card(reward card), we have used this card for many years with no issue, it is set up with a D/D monthly of full amount therefore no charges, but in the last two months we have been charged over £400 'interest' for no apparent…
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Vanquis - how to complete balance transfer?
Hi, I applied and was accepted for a Vanquis BT card today. Has anyone got any idea how I complete the balance transfer? The help guide has pointed me towards the offers section in the app but there is no option there for me to enter the details of the card I wish transfer from. thanks
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HSBC Visa Credit Card - 10% cashback offer (1st Oct-31st Dec 2024)
Just received an email from HSBC offering 10% cashback for 3 months on groceries, fuel and UK travel (up to £50 per month) with my Visa credit card. 5 purchases or more on the above will be required too. Keep an eye out for an email as you have to opt-in by the 30th September 2024. You probably have to be an existing…
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S75 rights
Good Morning/afternoon/evening I am just looking for clarification on S75 credit card claims for future knowledge. I purchased a pool heater via Clearpay using my credit card to make payments. I now have to return for a refund as it’s faulty. If the retailer starts being erm silly can I rely on S75 protections or would I…
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Balance Transfer Interest
I have a balance transfer 5.9% over 30 months with no fee with the Halifax. Please help me understand the interest. If i balance transfer £5000 on 1st May then pay £200 every month on the 1st of each month how is the interest calculated? Is it 5.9% on the balance owed (so reduces exactly on the repayment dates, calculated…
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Expedia pending charges not removed after 30 days - help!
I'm at my wits end. I made 2 attempts to book a trip with Expedia (BA flights and a hotel package), using my M&S Mastercard. Both times, Expedia's website said failed attempt, try again. I tried for the 3rd time with Amex, all went through, holiday booked. I have since been and come back from the holiday. Meanwhile, the…
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Lloyd's ultra visa
Noticed the above on MSE Newsletter. 1% cashback on ALL spending (incl overseas) for a year. Applied for and approved last night. Saves me messing around buying certain things with Chase and others with Nationwide, and their respective cash back limits. Also keeps what I usually spend with those earning interest until due…
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Virgin travel points
Hello, I recently returned from a family trip to Orlando and would love to be able to do it again. Currently we use an Amex Platinum rewards card for most of our spending and pay it off in full every month (usually £1500 to £2000) we have had it a few years and normally get about £300 back every year. I have just looked…
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Balance transfer for free credit
When talking about balance transfers, Martin always, relates it to having an existing debt at high rates. But why not use it to get free credit? Eg, a big purchase, say £5k - make it in e, listing card, then transfer to decent BT and have up to three years interest free credit, rather than using savings. Or am I missing…
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Lloyds Banking Group: BT & New Purchases.
Looks like good news for those who have a BT from 26 June 2026 you will be able to also use it for purchase. Used the correct way then the actual BT amount won't keep decreasing if matching the min payment with a purchase.
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Paying credit cards off with a debit card
I've received recent notifications from my Barclaycard and M&S credit cards they'll no lokge accept payment by debit card. Is there anything going on behind the scenes anyone knows about?
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Did the now-defunct Lending Standards Board provide anything useful and if so, who took that on?
I had never heard of the Lending Standards Board (LSB) until I read about them in a Santander T&C leaflet, which mentioned that they were leaving the LSB in July 2024. So I looked them up and found it was closed down last year, in October 2025. I read that they were focused mainly on small companies, but did they ever do…
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Regarding Credit Card Utilisation
Hello Everyone, Is it really necessary to keep credit card utilisation below a certain percentage of the overall limit even if the credit is paid in full every month? Thank you
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Amex points exchange
Hi have an amex card with 60000 points. Going to cancel it soon before fee is due. What's the best value way to transfer the points to I was thinking one of the travel partners ??? I know I can downgrade the card to a free one but I would rather apply for another one when a welcome offer comes up ?
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: How to prove income for new CC applications when retiring using savings / UFPLS. by Nasqueron
5 May at 1:13PM
