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Virgin Money messed up my Direct Debit
Here's the updated question: **"I recently disputed a Direct Debit amendment with Virgin Money. On 12 January 2026, I updated my Direct Debit details, but the payment due on 15 February 2026 was processed using my old details, resulting in a missed payment and removal of my promotional rate. Virgin Money's response (letter…
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TSB 38 months BT
Hello is anyone actually eligible for the TSB 38 month BT?
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Balance Transfer
I have just paid off the large sum that was on my balance transfer card and closed the card. I am wondering how long it will take for the credit reference agencies to recognise this. I want to take out a new balance transfer card and presumably having this card still showing will affect what offers I get for a new card.…
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Credit card declined where is the issue?
Tried to book a flight with Jet2 and pay with my RBS mastercard. Transaction declined twice, Details checked second time and plenty of credit available. Not asked for otp authorisation code either time Paid with HSBC Visa asked for OTP code went through no issue. All 3 transactions couldn't have taken more than a couple of…
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paying overseas
Asking my bank to allow me to spend overseas e.g. paying a hotel bill once in America, my bank will add an 'overseas code' to allow me to do this. However they did mention, and i quote, ' theres a 50/50 chance your card will stick be blocked, but just phone us to unblock'. Now, that could be annoying with the time…
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Clearing the card balance
Martin Lewis is always repeating the mantra "PAY IT IN FULL" to avoid credit card interest. So what does "pay it in full" actually mean? Here's my scenario: In Nov I had a zero balance and spent £200 halfway through the month, so at the end of Nov I have £200 to pay. From what I understand, I have fifty-something days…
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Lloyds credit card
Just got one. My card has been blocked twice in less than one month!. For absolutely no reason!…? Overzealous fraud squad?… V unreliable as a result…😮 Oh and the first ime it happened when `I rang the fraud department all I got was auto reply!… Disappointing from such a large organisation…
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John Lewis credit card - rewards reducing
Not sure if other people are aware, points going to the basement floor. Was 1 point for £4 eleswhere. Now 1 point for £10 elsewhere. https://www.theguardian.com/business/2025/jun/07/john-lewis-points-credit-card-purchases
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Barclaycard Chat Service
Is anyone able to use the Barclaycard chat service? Every time I want to use it for something, I get a message saying it's not available while they are working on it. This has gone on for months. Their service status page says it's fine but I cannot use it online or via the app. A web form I used to send a message about…
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Santander credit card
I was scammed back in august 2018. And need a copy of this statement for the people who are trying to get my money back. After so many chats in Santander app I am getting nowhere. Has anyone else had this problem
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Fee free overseas spending: Barclaycard vs Clarity vs Monzo vs Revolut ?
Hello guys, Various debates on what card gives better FX rates. Over the last 14 years I have been using Post office (not the travelmoney but their credit card which isnt offered anymore i think) followed by Halifax clarity during 2019s followed by Barclaycard for overseas spending from 2023. I found that Barclaycard gave…
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Should I cancel my old credit card?
Hi, I am on disability (low income). New here, bear with me. On my RBS credit app it says that having a credit card limit of above £4K would help improve my credit. My credit is currently in the 'Excellent" category for all three bureaus. I just wanted to pop it up a bit as the advice was to get a higher credit limit over…
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How long before mortgage fixed-rate expiry to sort out (reduce) credit card usage?
I have a mortgage fixed-rate expiring in April 2027 (joint with my husband) I have been making full use of credit cards for spending and BTs etc, and for some reason my full credit available is over my annual income (about 120%); not sure why they let me but it did get us over some massive expenses. Have been paying it…
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Credit Card Minimum Payment
Hi, I have successfully transferred £7000 debt from Chase CC to my RBS CC with 0% interest for 12 months. Can I pay nothing for duration of 0% or do I need to pay minimum amount?
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Reclaiming flight cost back from credit card
Hi all Apologies if this is not the right section of the forum, but I am seeking some advice please. I booked a flight for a group of friends through myTrip. After booking, one of the passenger noted they use their middle name as their day to day name and I had booked the ticket in this name, rather than the true name on…
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Lost balance transfer
I’m so stressed out. On 14 January I did a £2,000 balance transfer from HSBC to John Lewis credit card. unfortunately John Lewis changed their credit card bank account and HSBC sent it to the old bank account. HSBC are saying they have not had it back and John Lewis are saying they never got it. I’ve been checking and…
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HSBC inviting to request credit limit increase
I've been with HSBC for 10+ years, and had a credit card with them ever since (as part of my current account package). At some point my limit was increased from the initial 1k to 2k automatically. However, now, HSBC sent me an email claiming I "am eligible for a limit increase" providing instructions how to request it. To…
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Myheritage yearly subscription - Refund
Hi All, I have been trying to cancel my Data subscription on myheritage multiple times last week but it kept going to a page not found screen. The payment has still been taken of £130 am I in the right to request a refund on this? As I have made the effort to cancel it before the due date.
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Credit card for students
Hi, I'm a full time student at university. I have a maintenance loan as income and savings. I'm looking for a credit card to improve my credit rating. Any ideas.
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MBNA credit card for 0% purchases
I am eligible for an MBNA credit card no fee, 18 months 0% purchases but only for first 60 days after which normal interest charges apply. I have not come across this type of promotion before I have a couple of large purchases to make which would get inside the first 60 days and more or less get up to my credit limit. If I…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.4K comments
Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by surreysaver
27 February at 12:22AM
