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Amex preferred rewards gold card worth it?
For the last few years my wife and I have largely used our Amex Platinum Cashback credit cards for everyday spending this has an annual £25 fee and we pay the balance off in full every month without question. The result is usually around £250 to £300 back annually from Amex from spending between £1200 and £2000 a month.…
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What to do when the fraud squad sides with the fraudster? [Amex]
As per some previous threads on here... Someone got access to my account, used it, I contacted Amex & got the money back. FFWD some weeks/couple month (I forget the duration) and it happened again. Turned out to be a subscription - so 2 payments before I noticed. Raised this with Amex, told me to contact their fraud dept,…
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Can we have a credit card on a joint account?
My partner and I have a joint bank account for household bills and each have a personal account with the same bank - Nationwide. We each have a credit card for our personal accounts. Sometimes we want to buy stuff for the household on a credit card and my partner usually uses his card but it would be more convenient if we…
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HSBC Caffe Nero offer
I got an email just now: "Make your everyday spend pay Turn everyday credit card spending into Caffè Nero drinks All you have to do is use your credit card 5 times a month – from 1 April 2025 to 30 June 2025. Each time you make 5 transactions you’ll get a handcrafted hot or cold drink at Caffè Nero. And you can get up to 3…
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Argos store card repayment plan
I couldn’t find a topic category for store cards so chose credit cards. Hope that’s ok! I have an Argos store card and have been struggling to bring my balance down because the interest is so high each month. I called them in February and arranged a repayment plan for 6 months which freezes the interest and allows me to…
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Late payment
I checked multiple times and my Lloyds credit card statement definitely says . "We'll take your Direct Debit of £3.58 from your bank account on 30/06/25." Payment due to reach account by 30/06/25. It wasn't taken. On the afternoon of the 30th I paid it manually from the current account. It's dated 30/06 on credit card…
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Virgin Atlantic Rewards Card
Some friends were raving about this card saying that they put all their spending through it and get free flights and holidays etc. Also it looks like you can use points to get flight upgrades to higher classes of seat. Does anyone have experience that can back this up? I was looking on the web site and it looks like it…
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Barclaycard - 0% Balance transfer offer - with Avios
Barclaycard has a very interesting offer this month – a balance transfer offer with Avios. It’s not something I’d consider atm, but if someone is looking to transfer their balance, they can get Avios for their transfer. Barclaycard Avios 1 Avios for every £1 you transfer Barclaycard Avios Plus 1.5 Avios for every £1 you…
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Hitting Amex 3k spend
Hi took out a amex gold rewards card for the reward points as I am going on holiday this year and thought I would easily hit the spending in 3 months. However as I found out some of holiday expenses won't accept amex like certain hotels. What other ways are there to manufacture spend.? I have already looked at utility…
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Got turned down for credit card
Hi I dont have a credit card at the moment and applied for a Barclaycard which I got turned down for. i have a Barclays Bank account which is in good order, I’ve not had any overdrafts, debts, CCJs, poorly managed loans or anything else I can think of that might consider me a bad risk. I’ve had credit cards, loans and…
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Credit card application
Hi, I've just been on the MSE website to check my Halifax credit card is still a good option to use abroad. I see it charges nearly 3% above the exchange rate, so I checked my eligibility for Barclaycard, as recommended by MSE. I have just retired. If I put my income from employment as £0 and my pension amount in other…
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Sustainability for Smartphones
The EU Sustainability Regulation (EU 2023/1670 for
Smartphones, Tablets & other mobile phones) should be coming into force
about now. This regulation applies to all ‘new’ products (in the above
categories) released in the EU. It mandates that these devices should be
properly supported for 7 years from the last date of sale…
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Using Barclaycard Reward Credit Card cash withdrawal to transfer money to current account
Hi, Can I withdraw GBP cash using my Barclaycard Reward credit card at an ATM and then deposit that cash into my current account, using it like a money transfer? Are there any fees or interest I should be aware of? Thanks
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Unidentified Credit Card Charges
nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. Is Nationwide obliged by its terms and conditions to identify…
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Warning: MBNA 0% for 22 Months credit card.
This was entirely my fault, but in case anyone else sometimes fails to read the small-print then the 22 month interest free offer from MBNA is not entirley what it seems. So when you see the following.... ...you may (fairly reasonably) expect to be able to make purchases on the card for 22 months @ 0% interest. But that's…
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Section 75 claim question - husband paid on his card, receipt has my name on it.
Total disaster, we are long past chargeback. Can anyone advise please if Section 75 of CCA applies, or best way to discuss with the credit card companies?Husband bought a bike for himself and in the same transaction paid the deposit (£750) for a specialist to adjust my bike frame and rebuild my bike on that frame with…
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Serious MBNA warning!
So I took out a 0% card for a big purchase. I was aware that the interest free period was for purchases in the first 2 months which I was fine with as this was all I got it for. However for convenience I made a fairly large purchase that I planned to pay off in full when the statement came through. I was surprised when the…
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Advice re Credit card Charge on house please
Hello, any advice on what I should do here to undo this gladly accepted ;) 2001 Credit card debt (Had some mental health issues and refused to pay card balance to bank as they had charged PPI I was upset about) Amount = circa £4K Taken to court and charge affixed to my property for the sum Debt sold to a debt agency who…
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Falsified credit report details
Hi, I'm looking for some help. My credit score is rather low currently and I noticed a credit card that has been paid off and closed down for over a year I raised a dispute with Equifax who have today replied that they got in touch with TSB who had advised that the credit card is still open and has £5000 owed to it. I have…
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Credit card interest when normally paying in full but not one month
Has anyone had experience with the above heading? I normally clear my credit card balance in full every month, and have done for many years. A couple of months ago, due to a cash flow issue, I decided to only pay £850.00 out of the £1311.17 balance. Nationwide credit card charged me £33.99 in interest. The interest rate on…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.3K comments
Most recent: Are BT 0% offers usually on new cards? by Nasqueron
22 July at 1:10PM
