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Am I missing something ...
I have 2 credit cards - one with £2700 of debt and the other with £3750 (credit limit £4000, interest rate 18.5%). The £2700 is a long standing debt and has just become a no interest no fee account as long as I meet minimum repayments they have said this will not affect my credit score. My plan is to continue to pay the…
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Refund to CC with 0 balance?
I purchased a service with my Barclaycard a month ago. I needed to cancel the service yesterday and it was straightforward, being refunded within 5 working days. My problem MAY be that I currently have a 0 balance as I pay off ASAP when a debt is shown on statement. When I previously tried to pay off card it won't allow me…
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Which cards to get rid of and which to keep
Hi all I am sorting my finances out and I have some cards and good limits but want to declutter. So need some help working out which to get rid and keep So i have Halifax clarity 0 balance with 4k limit will keep as backup for holiday spends. Barclaycard with balance of 1250 with 5k limit. Balance will be paid off in the…
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Promotional offers on Llloyds Bank credit cards
Not sure if it is only me by Lloyds have the habit of adding promotional 0 percent purchase offers on my credit cards but only by chance do i notice they are there. One in particular has had one since January 2025 for 20 months but never received any communication from them it was available. Also the same with Halifax…
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Responsible lending by credit card to problem gambler? Your opinions please?
Hi all. Please can I have your opinions? I have had a certain credit card for about 6 years. Every payment has been made on time. It has a limit of over £10,000. I am also a problem gambler and had used the card to use at online casinos. Over the years I lost many £1000's to this. But I blocked myself from all UK…
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Does anyone know what this is for ?
I found this on my credit card statement - before I dispute it has anyone else had it? "NYX*BNAELocationsBased Richmond "
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Why am I having to make payments on a 0% balance transfer?
Hi, I am fairly credit card illiterate. I have transferred the balance of my credit card to another credit card, as an offer of 0% balance transfer was available for a 0% interest for 27 months. This is the first time I have done this and I made the transfer last month. This month, I have received a message that I have to…
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Natwide existing transfer offer -No Expiry Date
Nice to see this from Natwide CC 9.9 apr No Transfer Fee ExistingCard. Does Mser's know when this Expires. thanks
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New: Natwest Travel Reward Credit Card
https://www.natwest.com/credit-cards/travel-reward-credit-card.html The headlines:* No FX fees or annual fees * 1% back on "eligible travel spending" * 0.1% minimum cashback on all spend (elevated cashback on certain retailers via MyRewards) * Issued as a Mastercard Visa Not an out-and-out market leading deal but might…
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Close credit card after 0% period ends?
I've a Barclaycard credit card which had an interest free period for purchases that is coming to an end, and I've cleared the balance. Are there any downsides to now simply closing the account, as from Barclaycard's point of view I will have just 'used them and then dumped them' without them having made much money from me…
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Interest free credit card for pensioners
I have used interest free credit cards all my life, switching from one to the other when the rate expires. I don't use my credit card a great deal but find it handy when booking holidays etc to provide some comeback in the event of any problems. However, since taking early retirement last year I have been unable to get…
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Paying full amount off Halifax Credit Card. Has something changed?
hi, i am sure in the past if using the app and choosing to pay your credit card using a debit card the process always used to stay within the app, today i went to pay and it opens a window and leaves the app. i wanted to make a 2nd payment to same credit card using a different debit card but payment failed saying "you…
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Credit card for car hire only.
Hi all, I don't have a credit card, I don't think they are a good idea, BUT, it seems that car hire companies require you to have one. Any recommendations for a card that is free to get, will almost likely never be used, and only ever quoted for the refundable deposit on a car hire please? Thank you so much everyone 😀
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Transaction trace
I have mislaid a lotto ticket and someone else may have claimed a big win , I bought the ticket with goods from my local shop. Would the card transaction timestamp proove I am the rightful owner of the winning ticket?
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0% purchase card - what does it mean exactly?
Planning to apply to a 20-month 0% purchase card. What does this mean exactly? Let's say I get the card with £2,000 limit. I do a £1,500 purchase. Does this mean I pay nothing for 20 months? And in 20 months, which is December 2026, I pay £1,500 with zero interest. Many thanks
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Interest free balance transfer
Hi I did a balance transfer of £4000 with 12 months 0%. and 3 months 0% on new transactions. The 3 months is nearly up. to date i have made about £1600 of payments off the card, but then also added new charges of about £1000 (planning a wedding i will have to use it for some wedding related ietems). When the new…
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Not aloud to do a balance transfer on my credit card.
I need advice please. I have a capital on tap credit card I got for my company, that’s now gone in to voluntary liquidation. I am a personal guarantee. I got a 0% credit card to pay this off but capital in tap are saying that do not except balance transfers only payments via bacs. And if I do not make the payment when it’s…
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Flight spend reversed but flights still confirmed
I bought flights on my AMEX credit card. I received a confirmation email for the flights and all was normal. Then my pending transaction on my AMEX disappeared. I contacted AMEX who said the flight operator had reversed it - so now I have my credit limit back. I contacted the flight operator and they say everything is fine…
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0% balance transfer-no fee-longer term?
I have a couple of credit cards due to expire their current 0% deal in September. We will be looking transfer the natwest at 7k as we will have paid barclaycard by then. I have an offer of santander £3 a month card, balance transfer 0% for 15 months, or tesco 31 months with a 3.45% fee. Not sure whether to go for the…
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ZOPA Credit Card
Just a heads up if you have a Zopa CC, Zopa have hiked my interest rate up 10 points today 12% to 22% - completely out of the blue, I only use it for big purchases and rarely ever go over 25% of its limit - usually always paid off within 3 months. I can’t understand why they are doing this it’s puzzling (other than greed)…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by WYSPECIAL
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