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Balance Transfer
Hi, How long should balance transfer take. I did a balance transfer from my Chase to my RBS Credit card on 07th January 2026. It shows as a pending transaction on my RBS account. Thanks :-)
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Declined credit card but have good credit score (now worried about mortgage)
Hello, I applied for a credit card with NatWest and was declined based on something negative on the credit check. NatWest could not tell me what this was but confirmed they use Experian to run the credit check. I checked my credit score (on Experian and other sites including TransUnion) and downloaded my report and my…
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Tesco Credit Card - clubcard number not recognised
I just received my new Tesco Credit card. I have tried to link this with my existing clubcard account. However, the clubcard number at the back of the credit card is not recognised. I have already asked for a replacement credit card, but they just sent a duplicate. i spoke to tesco customer service and clubcard CS but…
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Halifax Clarity Card Change from Mastercard to VISA
Has anyone found out whether the cost advantages of using this card abroad will change with the move from Mastercard to Visa? - No transaction charge - Exchange rate the Mastercard lowest rate Looked at all the info from Halifax on the change but there is no mention of either of these that I can find
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Moved: Timeshare and National timeshare helpline advice please
This discussion has been moved.
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Balance transfer from Barclaycard not appeared
I transferred some money to Halifax Clarity from Barclaycard earlier today. The transfer showed on my Barclaycard balance straight away but the money has not been given to Halifax Clarity. Barclaycard sent me an email to say the transfer had all been done. I’m worried it’s been paid into someone else’s account. Does it…
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Help me clear my credit card debt
I have two credit cards: A Jaja Visa on which I've spent c.£4.5k A Halifax Mastercard on which I've spent c.£3k I also have a Vanguard stocks and shares ISA which I used to save £19k for the deposit for my house. The risk level on this is medium and it currently contains c.£750 as I now only add £50 per month into it. I…
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Travel Spending in the USA
Hi - I always use Curve to spend on my UK credit card, but as I use the free card, for the first time I am getting fees on transactions.Is there anyway I can get a card I can use for Applepay - immediately? ie is there a card I can apply for whilst abroad, and instead of waiting for the physical card, I can start spending…
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Transferring CC1 cash to current acc then using it to pay off CC2
I have two Lloyds credit cards. They both have gone out of their 0% time and also I was getting overwhelmed with the multiple payment dates. I decided to transfer it all (total £8k) to a Santander 0% interest card. I messed up and the Santander card only had a limit of £3k, so I moved some of Lloyds CC1 (leaving £3k in…
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Managing credit card debt
Hi, I currently have 2 credit cards amounting to approx £3900 each. Wanted to get advice on taking out a loan to pay these both off and then paying a loan back? TIA
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Section 75 - Charge Back on some windows
Hello My Learn’d Friends I would be really grateful for some assistance as to my next move. 2 years ago I agreed a contract with a joinery firm to make some new wooden windows for my home. The invoice was for £25,000 and I paid a £10,000 deposit.I wanted to support a local company. The Ltd company almost immediately went…
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Halifax Clarity card moving from MasterCard to Visa
I've had a Halifax Clarity card for many years, originally acquired for its cost-effective handling of transactions when abroad. One additional benefit I have perceived with this arrangement in the past is that it is on MasterCard, thus providing an alternative clearing infrastructure if Visa isn't working for some reason.…
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Quite urgent - need pre paid credit card for holiday car rental
Hi all. In 18 days I’m in Spain for a holiday and have rented a car at the airport. Just found out I need to present a CC in my name with a balance of at least £4k. I don’t have a CC at the moment.. and I thought perhaps one of 2 strategies .. please help / advise strategy 1 is to apply for basic CC from my bank (monzo or…
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Amex Credit Card Cashback
I have held an Amex Platinum credit card since July 2025 but because it is refused in so many places and because my cashback rate is now much lower than on opening I no longer want to retain the card. However, I am owed a significant sum as cashback, which is not paid until the anniversary of account opening. If I wait…
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Ghost credit card ruined my credit score.
Before I start, I want to state that I have written a formal complaint to the credit card company and I am thinking of suing them, so I can't mention their name here, however I would be interested to know if this has happened to anyone else. I took out a credit card almost 5 years ago, a single credit card. I received the…
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Barclaycard Credit limit
I use my Barclaycard Rewards Credit card for my spending abroad as it gives me 0.25% cash back as well as being no fee and good for ATM withdrawals. However I have a rather small credit limit. £3000. When I am travelling I often get to my limit before payment day and then have to pay it down to create more room for…
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Credit Card for Student with Seasonal Work
We are a little old-school and only make online payments using a credit card as to not expose our current account unnecessarily. We want the same for our son, but he's a college student who can only work through the holidays so not earning £10k pa which seems to be a threshold for cards. Is there a card on the market that…
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Cant get a new credit card
Hi all, I'm trying to get a credit card with better benefits but nothing comes up on eligibility. I currently have a capital one card £4000 limit, spend around £100 a month on it and always clear it at the end of the month. Credit history is all good, Ive had some loans over the last 6 years and never defaulted. Any…
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Direct debit reduced by retailer credit
I pay my Santander credit card by direct debit for the full amount. The direct debit was paid today but the amount was £38.99 less than the statement balance. There was a retailer credit for £38.99 posted on 30 Dec which was 6 days after the statement date. I assume that this is normal, but it would be good to hear if this…
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Zable login issues
is anyone having issues logging into the app as when i go to log in it asks me for email address which i put in and then a link is emailed to me to login but after doing all that it goes back to the start again. so is anyone else having problems logging on?
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
