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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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£10 mastercard reward from Money Super Market fraud
I received a money supermarket reward for £10, which I converted to a Mastercard prepaid card, which is showing in Great British pounds as £10 available. I added it to Google wallet. Every time I try and spend it on multiple sites, including Marks and Spencer's online, for the exact amount of £10, it is constantly…
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M & S reward credit card
We have had a m & s credit card for some years. (and 2 others- all low limits - our choice because we use them for shopping and pay in full) I see that now there is one that comes with 36 coffees a year! I checked soft eligibility and it said "approved" by m& s, tesco and others. Then it showed "not approved by the same…
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2 x Visa cards, £6,788 debt
I have two Visa credit cards with debt totalling £6,788. The first is a Halifax Visa Credit, on which I owe £3209.14. It has Purchase, Cash and Balance Transfer rates of 23.84%. I have one monthly subscription on it that costs less than a tenner but I do try and use this cards for occasional work train fares (less than…
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NatWest £30 cashback
I've a NatWest 0% interest purchases card. The 0% expires next month, and I'm going to pay it off before then. I've just had an offer of £30 Cashback if I spend £600 - £300 per month, in the next two months. It looks like a targeted offer, but worth watching out for in the app.
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Amex preferred rewards gold - new cardholder eligibility
My OH has an Amex Rewards Credit Card (blue one) and has had it for some years, after he downgraded from Gold a few years back. Several days ago he received an invitation via online banking to apply for a Gold Card with some extra bonuses. Based on the Amex website, I deduce that he won't be treated as a "new customer" and…
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Unable to log into Nat West (ex Sainsbury's) credit card
i had been able to log into the account since since the switch, including this week to pay but this morning am getting this error, anyone else having issues? Have deleted and reinstalled app for no joy Thanks
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Barclaycard ‘Scam’ - not taking full amounts by Direct Debit
I have a Barclaycard and have set a Direct Debit to pay the statement amount in full every month. For the last three months, I’ve been getting texts, just before the payments are due, stating ‘We’re taking xxx.xx amount as a direct debit. Please note this does not cover the full statement amount’ is this a scam - just to…
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Barclaycard PD question
Hi all, newbie here, looking for some advice. I am paying the minimum monthly payment off my Barclaycard each month via DD. They contacted me to say that I am in a Persistent Debt situation and it will take 35 years to pay off the £8166 by just paying this amount each month. The suggested amount to pay it off in 3 years…
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Credit Card Account Activity After Closing
Hi, I had a Creation credit card which was closed over a year ago. I was surprised to receive a statement this morning showing a credit in June and a debit for the same amount a week later. I have contacted Creation who advised it was an internal error as someone had applied the credit internally. Can they do this when the…
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New Santander 3% cashback card
Santander have launched a new credit card, paying up to 3% cashback, with no f/x or annual fees. Details at https://www.santander.co.uk/personal/credit-cards/santander-rewards-credit-card
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Vanquis Credit Card Fraud - Issues resolving
Wanting some advice please Daughter has a Vanquis credit card. Overnight on 12th May there were 12 transactions all for slightly different amounts amounting to over £600 debited against her card and all of which were to Vinted. She does have a vinted account but the card is not linked to that account and she only makes…
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Which address should I use on Credit Club?
Hi everyone, So MSE's credit score checker here seems to have pretty limited options to select in terms of addresses and living situations. I am a student and have been renting a student property (sharing with others) for a year with another year or so to go until I move back home. We're all jointly responsible for the…
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PRA Group pursuing mystery debt
I've just received a letter, claiming to be from Bank of Scotland, telling me that they have sold my credit card account to PRA Group. Now, I do have a Bank of Scotland credit card but I haven't used it for years and it should have a zero balance. The letter says I have an outstanding debt of £23,057.65. For a start, the…
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Card Renewal Refused - Annual Fee Refund?
Today I received an email from Virgin Money telling me that my Virgin Atlantic+ card is due to expire soon and that they won't be issuing me a new one (no idea why because my credit score is excellent and I've never missed a payment or gone over my limit or anything). But my real gripe is that I paid £160 annual fee in May…
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Natwest: how to freeze a card when both the card and phone are lost
I'm with NatWest, and I tend to keep my card with my phone inside a case. If my phone got nicked, I'll need to freeze my card pronto. It used to be that I could login to online banking to do that, but now that is impossible because I have to first confirm my identity in the phone app. This seems rather stupid. Instead of…
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0% Interest Purchase / Balance Transfer
I bank with Barclays and have done so since I was 16. I have their debit and credit card and use it for daily spending and clear any credit balance on a monthly basis without incurring any fees. I didn't have any offers on my Barclays credit card so ended up getting a HSBC credit card with 0% interest on purchases for 18…
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Statement vs Due Date Balance
In order to avoid credit card interest, do I need to pay the balance on my monthly statement or the balance on my account on or before the payment due date? My question relates to refunds. For example, lets say the statement balance is £500 which includes an online purchase of an item that cost £100. I return the item…
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I find this almost certainly a Scam very concering
Hi folks, On a short break and had a call to my What's app, the caller with a very authentic UK accent told me that there was a transaction of £700 on my First Direct card ( I actually haven't had one for years) passed me over to a manager who enquired about my Barclays account as well and what balances (I do have a…
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Physical Credit/Debit Cards vs Apple Pay
Hi Despite having Apple Pay setup with all my credit and debit cards, I've always carried at least 2 cards in my phone wallet and always used the physical cards for payments. However, recently when abroad, I went to pay for something with my credit card and it wouldn't accept it - presumably as at €150 it was over the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.6K comments
Most recent: How do you keep on top of you… by ZeroSum
17 August at 6:38PM
