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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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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balance transfer card
hi everyone, just looking for some advice.. i have 2 credit cards one is a 0% purchase which runs out in 13 months and one is a normal credit card, but to make my life easier and to have less money coming out of my account each month i’ve took out a 0% balance transfer card to consolidate my cards into one. i didn’t…
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Zable Credit Card - Credit Balance
Hi! I paid off my Zable credit card earlier this year and have had a zero balance ever since. I've recently had to cancel a holiday due to illness, and one of the cancelled bookings has been refunded to my credit card, putting me into a credit balance. Do i have any rights with getting this credit balance back from Zable?…
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Interest Charged
Do all CC charge interest in the same way? I have a John Lewis Partnership CC (but it is run by New Day) and if you don't pay the statement balance off you get charged with interest on the whole month's spending ie:- Month spend is £2000 Payment made £1500 Interest charged on £2000 do all credit cards charge this way? Also…
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Santander Zero Credit Card and New App
I've used the Santander Zero Credit Card for years when travelling outside the UK and it's always worked very well for me. The updated app is causing me problems because I can no longer find any way of displaying the overseas transaction in the local currency - the previous app showed both the local currency and £ amount.…
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Section 75
I've a s75 claim upheld after proving the DCS link via paying via PayPal to a card issuer. You must establish that the trader is a merchant, and the Merchant Aqcuirer is Worldpay and the Trader will be bound by a Commercial Entity Agreement. This validates the DCS link. If you can, get from PayPal to establish the amounts…
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Section75 query - event tickets
I purchased tickets for a future event that i can’t now attend, I contacted the organiser and they have said that I cannot get a refund but I can buy some more tickets and then the will refund my original ones (which I am concerned about doing as I don’t trust them). I’m wondering if there is anyway I can claim on my…
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cant balance transfer my Argos Card
i was told, that i could transfer my debt to a 0% interest credit card for 27 months, that would have taken a huge pressure off me, applied for the credit, got accepted, try to transfer the balance over and Halifax has told me that i cant balance transfer with Argos, even though i was told that i could, so now whats gonna…
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Section 75 - mix of husband and wife's credit cards used
I understand that if a purchase is in your name but you use a credit card in someone else name to pay (e.g. a spouse) then you are unlikely to be covered by section 75. What about if a mixture of credit cards was used to pay, for example: Purchaser: husband (all receipts for the item have the husband's name) Price: £3000 -…
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Natwest Reward Credit card Balance transfer and then spend
Hi everyone just after some advice. I did a balance transfer of £1900 with fixed 0% till Nov 2025 to my reward account. I then paid back £1200 straight away leaving £700. I have since bought a lot on the card but pay back the following day in exact amounts. I've just received interest on the owed £700 but when I've gone…
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Has anyone got push notifications to work for the Barclaycard and Lloyds credit cards?
I have an Android phone - no idea if it's any different for iphones.I'd like to understand if anyone has got instant push notifications (i.e. every time you make an expense on the credit card) to work with either Barclaycard or the Lloyds credit card (I have the cashback one). I know not everyone finds it useful - for me…
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JaJa & ASDA Money
Hi All, I've got a ASDA Money credit card with a small limit of £500. I put all my spending (Inc Asda petrol) through the card to accumulate generous cashback but I find myself having to pay it off twice, sometimes three times a month. I called them yesterday and they said that JaJa are not offering any increases at the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
