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Credit cards

A place to discuss all things credit card-related with other MoneySavers.

Paid off Washing Machine with Credit Card and been charged a cash advance!
So, bought a washing machine from Currys, used buy now pay later 0% using their Creation Finance firm. Paid it using a virgin credit card in one hit so as not to incur any interest. All good, paid on time and my budgeting is on schedule to pay the CC on pay do, no problem. Today I see that there is a Virgin "cash advance…
Mystery Sumup payment on credit card statement
How do you find out what a Sumup payment is for? There's one on my credit card statement, ref Sumup *handforth Thcw Cambridge. I haven't got a receipt for the payment and can't remember or find out what it's for. I googled it and got to company information about Handforth Thcw but am none the wiser who they are, I guess…
Credit Card payment via branch counter
Hi, Does any bank allow cash credits to credit card account via branch counter. I think HSBC does but not 100% sure. Thanks
Sainsbury Credit Card - T&C changing?
Got an email about this 5th Nov with docs to read to dowload. Download does not work. I can download pics in the email fine......:} Has anybody else had this? What is changing? Is it same as Waitrose card which I have now ditched? i.e. 2 weeks if that of credit from last transaction in accounting period. Thanks for any…
M&S Credit Card Application
I’ve recently applied for a M&S credit card. I did an eligibility check and it said I had a 80% chance of approval (I know this isn’t guaranteed). I got an email suggesting a decision would be made within the next 5 days. I was wondering if anyone had any recent experiences of applying for a M&S card.
RBS 0% Balance Transfer Credit Card
Wondering if anyone knows the answer. I've looked in terms but still vague to my mind. Applied for a got a 0% BT of which I have bumped 95% from another card. It leaves me 5% to spend, and then the monthly payments to top up as well. If I spend in the first 3 months, it says 0%. Then normal rates afterwards. * 0% for 13…
M&S Credit Card Blocked - shambles
Applied and accepted for an M&S Credit card in Mid-October. It's been an absolute shambles - ending in my card being totally blocked for 2 weeks now. Problems started when I tried to log in to M&S banking online. You have to generate a security code via an app. When I tried to download the app I couldn't register it…
First Direct Credit Card Warning
Please be warned FirstDirect have moved their statement and payment dates without warning. I am not sure if everyone is affected or just a few people. My statement date should be on the 6th November but this has been moved to the 15th November with no notice. This could mean that your statement will have another 9 days…
Section 75 claim rejected for sk:n clinic
Hi, I'm hoping someone can help... I used the free finance last year to buy laser hair removal from my local sk:n clinic, via Omni finance. I received 6 out of 8 treatments, before they went bust. Omni finance state that given it was interest free, there's no way to claim any money back. I paid the deposit on my credit…
Does changing your credit card effect your credit report for first time buyers
I have had a post office credit card for around 1 and a half years (never missed a payment) however there are no benefits to it. If I change cards, will this be a bad move with me looking to buy my first place in around 6 months time? Thanks
Tesco zero percent interest / one per cent balance transfer offer - misleading?
I signed up for this deal a few months ago. My understanding was that I would pay a one percent fee each time I made a balance transfer of one percent of the amount of the transfer but I would pay no interest, So if over three months I transferred £1000, then £2000 then £3000 I expected I would pay £10 plus £20 plus £30…
Pay to increase credit limit
I am getting some work done and the total is over my credit card limit of £3000 The work will be done over a week and I have to pay a % at the start of the work and the remainder on completion and I can pay by my Amazon Barclay card so I can get points. The first payment is £2100 and the second £2000 so will put me over my…
Debt Collection Letter Received for Credit Card Refund
In January this year, we hired a car in Spain. We when returned home we noticed that our credit card had been debited £208 (No given reason but probably for fuel). We had already paid for fuel upfront via the booking agency. We raised a dispute with Santander and they agreed and returned our money after three months as the…
Exchange rate
How can I check that the exchange rate given by my credit card is at a favourable rate? I've looked at oanda.com for the rate on two dates when exchanges were made, and see the following: oanda rate 0.90624 0.90454card rate 0.90512 0.89657 There were no other charges for the transactions, so the only consideration for the…
MBNA Credit card money trasnfer issue
I took out MBNA card on 24 Nov last year. On 27 Nov, there's a promotion of 0% for 18 mnths and took out £3k. Again on Jan'24, there's an offer of 0% for 12 mnths. I've been paying it off slowly but to my surprise received a text message saying both will expire this month and needs to be paid. Spoke with them over the…
Virgin Money balance transfer cancellation issue
I signed up for a VM credit card for the purposes of a balance transfer last week and also a Tesco card. They were both accepted so I don’t need the VM transfer now. I stupidly assumed I would have to activate the VM card before the transfer happened (the way Tesco and others operate) but it went through today. I was told…
Amazon Barclaycard
Recieved my Card 09th August. Called 15 times so far. Emailed numerous times. No answer to emails. Been told 15 times no fix yet for RG105 we will reach out...... What a Joke .
Break from payments
Hi there, We have no income coming in at the moment and our cc card payment is stifling. If we ask for a payment break will it affect our credit score?
Argos card sold to New Day
The Argos store card has been sold to New Day. No changes at the moment apparently. I think this is the last store card remaining not connected to Mastercard or Visa. hxxp://help.argos.co.uk/letter
Credit card for spending abroad
Can someone tell me what is the best CC (excluding DC like Chase etc..) for use abroad nowadays ? I am a long-time Halifax Clarity cardholder, but it looks like these 2 are now slightly better Virgin Everyday cashback credit card (0.25% cashback, no fx fee, MC exchange rate) Barclaycard Rewards cashback (0.25% cashback, no…

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MSE News

Martin Lewis: Just got a win on hopefully changing hideous council tax debt collection that hurts millions
"Catastrophic" Council Tax debt collection practices – that can see bailiffs at your door within six weeks demanding payment for the whole year despite missing just one month – are to be investigated by the Government. It's a win for MoneySavingExpert.com founder Martin Lewis and his charity the Money and Mental Health Policy Institute (MMHPI) who've campaigned against this rapid escalation.
Martin Lewis: Mobile and broadband mid-contract inflation hikes are BANNED – but there are winners and losers
Inflation-linked broadband, mobile and TV price hikes have been banned. It means some will see bills rise by a specified amount in pounds and pence going forward. However, MoneySavingExpert.com founder Martin Lewis has warned that many WILL still see above-inflation rises in future despite the new rules.
'Catastrophic' Council Tax debt collection practices to be investigated by Government – Martin Lewis says move is 'brilliant news'
"Catastrophic" Council Tax debt collection practices – that can see bailiffs at your door within six weeks demanding payment for the whole year despite missing just one month – are to be investigated by the Government. It's a win for MoneySavingExpert.com founder Martin Lewis and his charity the Money and Mental Health Policy Institute (MMHPI) who've campaigned against this rapid escalation.
MoneySaver's 'unbelievable' £675 refund from Complete Savings – how to check if you can claim too
MoneySaver Ray secured a £675 refund from Complete Savings after reading our warning about the 'cashback with a catch' site's misleading 'click to claim' ads. And Ray's not the only one, as we've been swamped with similar successes.
Origin broadband customer? You'll soon be moved to Utility Warehouse – here's what you need to know
If you're an Origin broadband and home phone customer, you'll soon be automatically transferred to Utility Warehouse – but your service will continue as before and you should keep paying your bills as normal.
Bank of England cuts base rate to 4.25% – here's what it means for your mortgage and savings
The base rate has been cut to 4.25% from 4.5% by the Bank of England. This rate is used by the central bank to charge other banks and lenders when they borrow money, so the move can impact mortgage and savings rates.
Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?
Fixed-rate mortgages continue to fall ahead of expected Base Rate cut – so do brokers think now is a good time to fix?
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further?
Martin Lewis: How to call your bank by dialling just three numbers
How to call your bank by dialling just three numbers… simply dial 1-5-9. Then you know it's legit. Watch MoneySavingExpert.com founder Martin Lewis' video below, which explains it. And please share – the more people know, the fewer will be scammed.

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Credit cards

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