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Lloyds credit card is unusable due to overzealous security algorithm
I am fortunate in that I have never been out of work or had any financial problems, and have an excellent credit history. That is not good enough for Lloyds whose automated security algorithms have twice stopped me from buying something with my Lloyds so-called 'Ultra' credit card, and then blocked the card. This is…
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Fast delivery for replacement Credit Card
Hi All I have recently had the need to replace a Credit Card, the fastest delivery the company can offer is 5-7 days by Royal Mail 2nd Class! Hence I'm looking for a Credit Card that can offer 2-3 days guaranteed replacement delivery. Thank you
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is 0% balance transfer cheaper than my current daily card?
I have a Cap 1 card with the following rates: Purchases interest is 30.34%, Cash withdrawals is 30.34%, Balance transfers is 30.34% Of course I'm aware it's a crap rate and I'm trying to improve my rating. If I do a balance transfer on a 0% transfer card, will my payments be cheaper? so that would mean instead of paying…
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Purchase Cards
I have two new credit cards for purchases, an M&S (about 12m) plus Lloyds (about 22m). I am just about to max them both out. Would I be right in thinking once I make the min payment for each of those cards I can then spend again on them to the limit and basically keep them maxed out till the interest free period ends? I…
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A company called Newday started a direct debit for £0, not sure why.
Hey everyone, Like the title says; a company called Newday has started a direct debit for £0.on my father's Barclays account. He received a text message and email from Barlcays which I then confirmed by looking at the direct debit on the banking app. The company seems to handle credit for businesses so I'm guessing it has…
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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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AMEX Eligibility - Cashback Everyday Credit Card
I've been thinking for a while that an AMEX card would be useful and we need to pay for our new sofa soon so I thought the introductory offer (5% cashback) would be helpful. I used the AMEX eligibility checker and it indicated a negative response. I think because the salary I entered was too low compared to the AMEX…
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American Express (Amex) Preferred Rewards Gold
In the blurb about the benefits of this card it says that the £5k doesn't have to a cash spend but could be a balance transfer. Where does it say this in the Ts&Cs and also does a balance transfer not incure a fee of 3% which eats into the benefits?
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BT but not enough clearance
Hi looking for some advice please. Have £6500 on a credit card from a kitchen purchase. When I applied I requested £8k I think it was, but they gave me £6500. I'm coming to the end of the card's promo period and so wanted to BT. I picked HSBC from MSE long period deals, and the eligibility checks were fine. Card came…
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Lloyds - section 75
Hi, I ordered wall panels online and paid via my Lloyds Credit card. The panel I received was not the one shown on there website. I tried to return but the retailer said there will be £40 return charge. I contacted Lloyds and filed Section 75 case. Lloyds rang me and confirmed the item is not the same. They told me to…
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MBNA Balance Transfer and Tesco cashback question.
We do a lot of stoozing and avoid paying any interest by paying off the balance transfer in full before the end of the promotion period and by avoiding mixing purchases and balance transfers on the same card. I have an MBNA card that I used solely for a balance transfer and paid off in full about 2 years ago and haven't…
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Fraud
I had my bank account compromised and have just discovered from looking at my credit report that the fraudster has set up a credit card with Creation. I called their fraud line, but it’s closed for the Easter Holiday. Is this right?
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Can we do this to switch to Amex Nectar and still get the new customer bonus?
Hey all, We've been using an Amex card for our standard spending for years (paying in full each month of course), and have noticed the cashback rate getting worse and worse as time goes on. Meanwhile we've just spotted the Amex Nectar card with its 20,000 point bonus for new customers and, as we do our grocery shop at…
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Bank Card or Credit Card?
Many years ago it was safer to use a Credit Card for online purchasing. Is this still the case? ie am I more likely to get a refund with a credit card or a bank card? Or in 2026 is it likely the same cover exists for both? Thank you
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Argos Card balance transfer
Hi all, Has anyone had any success in doing a balance transfer with an Argos card ? According to Martin Lewis is it possible despite some comments below this video saying this information is incorrect. https://www.facebook.com/reel/7994540020602105 Has anyone done this before? Is a balance transfer possible? What bank did…
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browser banking v mobile app
I needed to get into my nationwide mobile app account but for some reason the mobile app was down, but the browser version was apparently still working so I logged in, but was told to fully log in nationwide would need to send a verification notice to my mobile device ( the app ) but my app version was down ! so not much…
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Barclaycard rewards questions
Hello So I'm travelling to Europe next week and don't use my debit card at all for spending so ive disabled for International spending etc. I have a Barclaycard rewards card that I use for day to day spending but I cant see any card controls on the barclays app so I'm not sure if the spending controls on the debit card…
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Balance transfer card or Interest free card
Hi, was wondering if someone could help. Is there a difference between a Balance transfer card and interest free card. My interest free card is about to expire and wasn't sure if I should pay it off or apply for a balance transfer card. My question is if I switch to a balance transfer card, can I use it to purchase items…
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How long does it take to get a refund?
I used my Visa card to buy some goods from Asda on Saturday afternoon, 3:05pm total £75. I returned one item as it was priced wrong on the shelf. Returned £11 at 3:10pm. I have both receipts for the purchase and return. Both receipts say "payment approved", "Refund approved". On the same credit card number. Only the…
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Credit card direct debit cancelling
I'm selling my house and buying another, I've got a lot of equity, I have a mortgage ready and my mortgage company have put within my mortgage that when completion day comes my debts have to be paid off and my solicitor has to check that they are clear, my question is as I'm clearing off my credit cards they are due on the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: MSE News: Meet the MoneySaver… by redux
7 August at 10:07PM
