Credit cards

just been informed by Halifax complaints dept that all Hfax & Lloyds credit card interest rates are being hiked (2 of mine 3.5%+ from Nov) for existing customers. I have excellent credit scores on TransUnion (via MSE) and Experian and always pay off balances on time. Anyone else had this issue or had any luck getting hikes…

I used a Virgin CC a few years ago for a Balance Transfer. Was put away and never used it since whilst I was paying the balance off. They've emailed me with another offer on their BT which I'd like to take them up on; only thing is, I can't! My card had expired a year ago! The same card is on their app, which suggests they…

Hi - I have been trying to use my new Balance Transfer CC to pay off my PayPal credit - but it seems I can't - even though there is a Mastercard 16 digit card number. Any ideas how I can sort this? If I request a physical credit card would that work? thanks for any advice x

I have 3 cards John Lewis credit card (10K limit), Tesco club-card (£9K limit) credit card and an American Express Everyday (4k limit), total credit limit of circa £23K. Im retired on about £35k per annum. I hardly use the John Lewis which has £10 limit. I've had the Amex everyday for a year soon and made about £150…

I was looking for a new 'reward' credit card, and based on the MSE website I applied for an MBNA Cashback card. Was approved, got the new card, started to use it for my everyday expenditure, paying off the balance in full by DD. Couldn't see any cashback on the first statement, so contacted them to check. There is no…

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.

Not sure if it is only me by Lloyds have the habit of adding promotional 0 percent purchase offers on my credit cards but only by chance do i notice they are there. One in particular has had one since January 2025 for 20 months but never received any communication from them it was available. Also the same with Halifax…

Are all Credit Card companies happy if you have your Credit Card in credit? I spend a couple of months overseas in the winter, and for a long time I have added around £1000 onto my Halifax Clarity Card, and use that when purchasing goods, supermarket shopping etc. without any problems. I have became very dissatisfied with…

I am registered with Experian Can I make a notice of correction so that any credit card application I make will be declined ? I am impulsive and would like something in place to stop me getting credit or overdrafts. I don't want it to interfere with my council housing application or applying for an energy company

Hi I am buying a couple of high value items in the order of few thousand pounds and came across zero percent credit cards; applied for the Natwest card and within mins email from bank saying new shiny card on the way, btw I am premium Natwest customer so would have been v disappointed if was declined, I have no issue with…

I have a service (self-storage) which has been taking the payment from my Mastercard regularly every month without problems. They recently changed their name, and last month and this month the payments have been refused authorisation. The card has Secure3D enabled, the supplier says they're using Secure3D, my card provider…

Hi, We have a number of credit cards, but all are in my name with my wife as an additional cardholder. If I predecease her, she will be left with no access to a credit card. Any advice on how to get a card in her name? She has decades of history as an additional card holder. Her current pension income is only £5k as we are…

Good morning, I’m asking on behalf of my son. At the end of January 2022 he purchased an electronic chip or something from a company. He didn’t receive, contacted them & they said they were waiting for parts. Never heard anything but in August 2022 the company went for voluntary strike off & dissolved in December 2022. I…

I never see it mentioned but if someone has a co-op membership they are eligible to join the cashback credit card with no fees. I thought that this may come in handy alongside the existing Santander Edge Credit Card and Barclaycard Reward Card in getting cashback for those that will lose the Chase 1% cashback on purchases…

I was interested in the Barclaycard Platinum with a year's free Apple TV as mentioned in the weekly email recently. As suggested, I used the eligibility calculator. I've lived at my current address for 4 years, I'm on the elctoral roll, I earn £48k salary with an additional £20k from rental income and my mortage is £970 a…

Received an email from FD a day or so ago with the subject line "[Groat Counter], fancy 5% cashback?". I almost dismissed this as I initially (and wrongly) assumed this would be retailer specific cashback offer - but it's not that. It is however a targetted offer, plus it also requires a proactive opt-in by…

I pay off my balance in full each month to my Nationwide credit card. If I do a balance transfer and then continue to use the card, will my payments pay off the fee, and then new expenditure, first? In other words - if a pay off new expenditure in full each month, I won't end up accumulating interest on the new expenditure…

I have a credit card that I took out a £2000 transfer to my bank account at an interest rate of 4.9% and I pay the monthly minimum plus £100 on top. I go shopping and put it on my credit card and settle the shopping bill on my credit card with in 3-7 days at most. I understand the the 4.9% rate but for the shopping I do,…

Just bought some accommodation in the USA through Expedia and Hotels.com (separately). They quote the price (and its breakdown) in GBP and it shows as GBP at the checkout. When I pay, the debit to my card shows in USD for which I get charged a forex fee. As I do have a fee-free card, I would have of course have used that…

Hello all This issue has been dragging on since early March and I feel that Virgin Money are purposefully dragging their heels on a Section 75 Claim. What are other people's experience with them? I submitted all the documentation, around 100 pages against a company that were to produce some windows for me. The was around…