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Credit cards

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

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…
Sainbury's Gold Credit Card
I still have a Sainsbury's Gold credit card, however it is incredibly difficult to find out any information about fees when using the card abroad. There is nothing online anymore and even phoning the Sainsbury's Bank helpline usually imparts incorrect information. I have just made another call to them and was initially…
Best way to pay off multiple
Best technique to pay off multiple credit cards? They are all of different balances and some are 0% and some not The top 3 are around 5500 each and the lowest few are say between 900 and 2500 Help would be appreciated
Getting more credit cards
Don't like using these but may need some money soon to pay for my part of freehold. Shall I just go to as many banks as possible and apply? I'll try bank loan first but if that fails. With bank loan I found if I don't say I have one dependent and up my income a bit they accept
My credit card company want to close my account due to inactivity
I hold 2 cards with tesco bank, available credit over the 2 cards apx £10,000, that i haven't used in a year and I've just received a still need your credit card letter? Due to the cards not being used they would like to close my account but I can keep them open if i use my cards by jan 2025. I have been holding on to them…
Reducing credit card debt
Best way to reduce credit card debt? Some are on 0%, some are not Some are high balances, some are not Is it best to snowball and go from lowest balance to highest? Thank you
John Lewis Card £40 in points offer
I received an email offering me the John Lewis credit card with a £40 points offer, £20 for signing up and £20 for at least 3 shops in Waitrose of £50 or more in the first 60 days. No idea if this is a personalised offer or generally available. I am far from a regular Waitrose shopper, but presumably I can use the card to…
Question on BT end timing
I have a balance transfer coming to a end on the 20th Dec. My statement is created on the 17th, does that mean that if I pay the amount o/s by the 17th Dec statement due date in early Jan, I will pay no interest even though the BT finished on the 20th Dec?
RBS credit card positive balance.
I have an RBS credit card. I've had it for at least 30 years. About 20 years ago I changed banks but kept the card (unused). Just after changing banks I was refunded a small amount to the card and ever since every month I have received a statement showing a small positive balance, I have never had any other communication…
Barclaycard. The oddest application I’ve ever made.
I applied mid August for 0% balance transfer card at the end of the online application a message said we need to make further checks and will get back to you within 5 working days. Three weeks later, nothing. I’ve phoned them three times and had a lengthy ‘chat’ online, each one ending with some generic phrases about what…

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MSE News

Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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Credit cards

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