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Credit cards

A place to discuss all things credit card-related with other MoneySavers.

Natwest Credit limit
Hi, I have contacted Natwest to move credit limit between two cards. However, I have been told they will only combine credit linit if I hold 30k in savings. This can be in any UK bank. Has anyone else came across that? Strange requirement. Thanks
Repeat Eligibility Checks
A couple of months ago I did the Santander Edge credit card eligibility check (the 2% cashback is tempting) and the result said "Good News, you're less than likely to be accepted" which made me laugh. I did not go ahead with an application, but I'm tempted to try the eligibility checker again now just to see if the result…
Non-contactless
Are there any credit cards that aren’t contactless?
Large purchase
Hi im having a new kitchen and thought about paying by credit card to get section 75 protection ( it’s an independent kitchen retailer). are there any credit cards that give cash back on a one off purchase of about £20k ? is this a good way to pay ? I don’t need the credit element as I want to pay off in full unless it’s…
Late payment and credit score
Hello, I am looking for some advice. I made a purchase on a credit card (Santander) that I hadn't used in a while (the card had zero balance). As this was not an interest free card I opened a new 0% balance transfer credit card with another lender and transferred the balance (£ 1,472.23). I didn't check the Santander…
Claim for refund of holiday deposit via Tesco Credit Card or Personal Travel Insurance (Staysure)
Looking to lean on your previous experiences for guidance. We have cancelled our cruise holiday booked with departure date of 4th Jan 2025. It was booked 25th April 2024. Cruise was for almost 4 weeks to Antarctica, Chile, Argentina, Falklands. Reason for cancelling is family reasons. Our daughter who is Autistic and in…
Barclaycard and Google Pay
Does anyone know why Barclaycard UK doesn't work with Google Pay, and whether there are any plans for them to enable that service, since Barclays have closed their own contactless payment service? It is a bit odd, coming from a mainstream lender. Barclays UK debit cards do work with Google Pay. Barclaycard UK credit cards…
Hotel disaster section 75
Hello please help. I’m in the Maldives on a local island- it is not expensive like the resorts. I paid for my hotel and transfers in one payment via credit card (Halifax) and when I arrived the hotel manager told me he was fully booked and told me to go to another island. He told me that the whale sharks were closer to…
0% purchase or loan
Looking at buying a car weighing up finance option. Will put a deposit down but looking at how to cover £6k - £7k balance. Do 0% purchase cards allow that amount or would a loan be better?
CCJ received but the address is wrong
I've received a CCJ which has come to my address with the wrong postcode on it. This is the first letter I've received about this and the company issuing the CCJ is PRA Group. I've phoned them to get some details and they have said this is the address Barclaycard gave them (the postcode is my old postcode). I've asked them…
Should I balance transfer?
Hi all, I have £2.2k balance on a standard Halifax credit card (30% APR). I get alerts from Experian suggesting I can transfer the balance to a different provider who provides 0% interest on repayments for up to x months (~12 months). Most do, however, incur a one-off transfer fee (~2%). Though, NatWest does do one for…
Does credit utilisation matter if cards are always paid in full each month?
I have several credit cards that I have always paid off in full every month (the statement balance) but generally, due to the limit on my cards being so low for the way I live, I am usually high for my credit utilisation. I have found very mixed information about if utilisation matters if you pay in full so I thought I…
Bank of mum and dad - section 75?
Hi MSE forum… helped my stepdaughter buy a car, spent £11,500 and used my TescoBank credit card. Huge issues with car, dealer goes AWOL, warranty not worth toilet paper, I tried to claim a section 75… to be told by Tesco, only applies if bought for yourself! If only I’d registered in my name rather than trying to help her…
Credit Card for Air Miles/Air Travel Rewards
We are currently looking at booking a trip to Japan and the tickets for premium economy will cost around £2000 each for two of us. We have a choice of flying BA or other company. I have a back problem so would love to fly business sometime in the future. Are any of the air travel rewards-based credit cards worth…
Refused refund
I purchased a pair of shoes online with delivery saying a couple of days. This time passed and the shoes didn’t turn up. I contacted the store and they got back to me. They said they can’t get them from their suppliers and don’t know when they can. They went on to say I have two choices, wait to see if they can get stock…
Natwest credit card application failure
A family member has just been accepted for the natwest credit card so I thought I’d give the eligibility checker a try on there website and see what my chances are but all I keep getting once I’ve put my address details in is (we can’t continue with your application online) would this be because a family member in the same…
Sect 75 claim for faulty car
Hi All Some of you may have been following my thread over on the motoring forum but after realising I'd paid the deposit for our used car on a credit card (and that all other options were looking like dead ends) I thought I'd start a new thread here. We bought our used Citroen C4 Picasso just under a year ago and just…
Credit utilisation ratio
I would like to use my credit card for all spend and then pay off in full each month. I know for a good credit score you should keep you credit utilisation ratio around 20 - 30% (or lower), but is this just the balance left on the account? So if I spend 75% of my credit limit, then pay off in full, is my cru 0%? And is…
Barclaycard account blocked
My Barclaycard account has been blocked either yesterday or Tuesday. I only became aware when I received apple wallet notification that my card has been suspended. I contactee Barclaycard and entered my card number on the automatic service, it taken me up Barclaycard fraud detection team. They could not access the account…
Santander Edge credit card
Does anybody no what's excluded from receiving cashback IE payments for utility top ups? Gift cards?

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MSE News

Buy now, pay later protection one step closer – but Martin Lewis urges caution as rules not yet in force
New rules to protect over 10 million shoppers who use buy now, pay later (BNPL) services are on the way to becoming law. However, MoneySavingExpert.com (MSE) founder Martin Lewis, who has long-campaigned for BNPL regulation, is urging people to remain wary until the law changes take force.
Tesco shopper? You've less than two weeks to use £15 million worth of Clubcard vouchers – or extend them with our trick
If you've got a Tesco Clubcard, check if you have any vouchers close to expiring, as nearly £15 million-worth are due to run out on Saturday 31 May. Don't want to spend your vouchers yet? We've got a trick to extend their validity.
Martin Lewis: Just got a win on hopefully changing hideous council tax debt collection that hurts millions
"Catastrophic" Council Tax debt collection practices – that can see bailiffs at your door within six weeks demanding payment for the whole year despite missing just one month – are to be investigated by the Government. It's a win for MoneySavingExpert.com founder Martin Lewis and his charity the Money and Mental Health Policy Institute (MMHPI) who've campaigned against this rapid escalation.
Martin Lewis: Mobile and broadband mid-contract inflation hikes are BANNED – but there are winners and losers
Inflation-linked broadband, mobile and TV price hikes have been banned. It means some will see bills rise by a specified amount in pounds and pence going forward. However, MoneySavingExpert.com founder Martin Lewis has warned that many WILL still see above-inflation rises in future despite the new rules.
'Catastrophic' Council Tax debt collection practices to be investigated by Government – Martin Lewis says move is 'brilliant news'
"Catastrophic" Council Tax debt collection practices – that can see bailiffs at your door within six weeks demanding payment for the whole year despite missing just one month – are to be investigated by the Government. It's a win for MoneySavingExpert.com founder Martin Lewis and his charity the Money and Mental Health Policy Institute (MMHPI) who've campaigned against this rapid escalation.
MoneySaver's 'unbelievable' £675 refund from Complete Savings – how to check if you can claim too
MoneySaver Ray secured a £675 refund from Complete Savings after reading our warning about the 'cashback with a catch' site's misleading 'click to claim' ads. And Ray's not the only one, as we've been swamped with similar successes.
Origin broadband customer? You'll soon be moved to Utility Warehouse – here's what you need to know
If you're an Origin broadband and home phone customer, you'll soon be automatically transferred to Utility Warehouse – but your service will continue as before and you should keep paying your bills as normal.
Bank of England cuts base rate to 4.25% – here's what it means for your mortgage and savings
The base rate has been cut to 4.25% from 4.5% by the Bank of England. This rate is used by the central bank to charge other banks and lenders when they borrow money, so the move can impact mortgage and savings rates.
Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?

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Credit cards

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