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M&S credit card application
Hi, I have done M&S credit card eligible to check and it showed up pre-approved. I decided to go ahead with full application. This was on Saturday, at the end of the application. It said that they will come back to me within five working days. Do the credit check the application straight away even if it’s on weekend bank…
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Fuid card application,or try a different card?
The best pre approved (for me) on the Credit card eligibility calculator is Fluid, but the link takes me to some mickey mouse page, it is all text and the tick boxes etc dont work. Going directly to their site ,which at least looks real, but the card shows lower 0% period, and there is no link to apply
Do I wait until…
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Credit Card Vs Loan
Hi. I am buying a new kitchen from Wren Kitchens. I can't afford the deposit required for the lowest repayment option of their interest free credit so will have to go down the credit applying route of 3.4%. I am wondering if I can pay for the kitchen on an interest free credit card and then do a balance transfer to a…
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Credit score confusion
Hi, I'm very very new to all things related to credit. Up to now I've only ever used a debit card, and I've been told by my family that I shouldn't get a credit card. However I'm aware that having a good credit score will help me to get a loan for a house in the future (in the UK). The problem is when I try to check if I…
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Difficulty in obtaining 0% balance transfer card
OK, I'm about to make a purchase of £5500. I have the cash available to make the purchase, but I'm trying to be savvy by finding a 0% balance transfer credit card and spreading the cost over several months / years if possible and leaving my cash where I can get a return on it. However, We both have a relatively low income…
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Old Tesco Credit Card just added to Credit report
On 12th August 2025, I noticed an old Tesco Credit Card was added to my credit report. I contacted Tesco on 20th August and they have told me there are a lot of old CC's added to peoples credit reports. I have put in a complaint, but wanted to know (1) if anyone else has had this issue? & (2) what can be done about getting…
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Santander Everyday Long Term Balance Transfer Credit Card
Hi Everyone, I've recently opened a Santander Everyday Long Term Balance Transfer Credit Card. I'm just wondering if anyone knows how long the balance transfer window is on this card. I've been reading my paperwork to see if it states it; however, it does not mention a specific timeframe. The only thing my paperwork says…
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Wise card transaction dispute : Money should be back in your account
Hello everyone, I'm currently travelling in Japan and use a Wise card because it seems convenient but something worrying happened to me. I recently noticed a suspiscious transaction that i don't recognise and with such a high amount it made me panic when i noticed it. I reported it to the Wise support and issued a dispute.…
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Credit card scammers - warning!
Perhaps no sensible person on here would ever fall for this scam, but I did, so I'm going to share what happened in case it helps someone. I could never understand how people could be caught out by dodgy phone calls and give away banking details over the phone, so I've always assumed something is a scam unless there is…
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Multiple debt agencies chasing credit card debt that isn't mine
Last week I received a letter from a debt collection agency saying that I had almost £10,000 of credit card debt with Tesco. I did some research and came upon this forum and the Prove-It letter so got that posted last week recorded delivery. Today, I got a new letter, different debt collection agency, different credit card…
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Fraudulent Payments on my Credit card, so unhappy with TSB
I noticed two payments to amazon, one for £15 and another for £30. the TSB app didn't alert me to approve any of these payments, but later on it did alert for two further attempts to Amazon, through the app it said I should report the card as lost or stolen, which I did. I do shop at amazon alot, and they told me someone…
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Contradictory advice from Credit Report Insights from MSE Credit Club
Does this make sense to anyone? You have 2 things to work on You aren’t using the credit available to you Try to pay down the amount of debt you have, if you can
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Barclays Credit Card
applied for the interest free card, used it happily for 6 months, then came in an interest charge, when we called and explained, we were told there were no offers on this card and must have been a late payment, although we had paid weekly amounts way over, i tried to check the information on the emails sent, but it says…
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Emergency cash
Apologies if this is the wrong category. It’s the best fit I could find. Hi, I always keep emergency money in various places (<£20 and always notes which is easier to stash and lighter) in case I lose, forget, break my phone. Examples could be car, weekend/going away bag, hiking rucksack,house etc. On the recent occasions…
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Section 75 claim goodwill settlement rejected, but paid anyway
Hi, I would be grateful for some advice on a section 75 claim we are in the middle of, after our charge back was rejected and escalated to a section 75 claim. We brought a car from an independent dealer in Nov 24 after our previous car was written off in a crash. We took out a 0% purchase credit card especially to do so,…
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Debt collectors are chasing!!
Your account: Intrum UK Finance Limited Balance £8,401.12 Dear Customer, We have recently contacted you regarding your Intrum UK Finance Limited account now owned by LC Asset 2 S.a r.l.. We understand that you may not be able to clear the balance today, but you do need to contact us so that we can discuss your intentions…
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Halifax clarity credit card
Does anyone know if Halifax has announced any plans to remove the free fee element of spending abroad (goods purchases) using the clarity credit card? it's no longer listed on many websites that list fee free credit cards abroad
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"Ethics" of credit card spending
Morning, Are there any ethical or moral concerns when it comes to credit card spending? If you use reward cards for example and do all your spending on these (paying back in full each month of course) is there any net negative either to yourself, or the greater society? Thanks
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Barclaycard Reward Foreign usage: Are fees just hidden in their Visa conversion rate?
MSE recommends using a Barclaycard Reward in preference to a Lloyds credit card abroad. But, I'm failing to spot a considerable difference between the cards if you look at their small print and how they calculate their FX and conversions. Is this correct? Or am I comparing apples and oranges? Apologies, very new to all…
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Clearpay/Credit card company
Good morning, I ordered an expensive watch (expensive for me anyway) The company says I would receive within 4 days and any delays they would keep me informed. Well, it's been over 2 weeks now and no communication. They have not responded to emails I've sent. I bought the item using Clearpay (this in turn gets paid off by…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: What do you do with your "profit" ? by kimwp
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