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Credit cards

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

Credit Card Agreement has been terminated - Do I still need to pay back?
My credit card agreement has been terminated. The credit card company was acquired last year and they've made the decision to stop offering the credit card entirely. All customers have received the emails saying that the credit card has been terminated. The account will remain open until your balance has been paid off,…
Barclaycard Prime & Limits
Managed to get myself a Barclaycard what I’d like to ask is this card classed as a none credit building card basically a prime card, the reason I ask is im currently building new credit after some silly mistakes years ago and want to know I’m on the right track as I only used to be able to get cards that are credit…
Vanquis credit card account locked!
An elderly relative in Canada recently needed to send me some money, and the only way they were able to figure was to transfer the money to my Vanquis account, which of course left me with a credit balance. I spent about three-quarters of the amount almost immediately, but before I was able to use the rest, and without ANY…
Section75
Please can any one advise: I bought a second hand car using my credit card to pay the deposit of £200, I paid the remainder on may debit card as it exceeded my limit on my credit card. The car developed a fault, was sold with a warranty until i needed details of warranty and then garage says it didn't register with…
HSBC Credit Card / Amazon Refund - HSBC won't help me
Hey everyone, I'm hoping for some help with a difficult sitatuon.... I also appreciate there may not be anything I can do, so fingers crossed someone has been through similar... Last October, I purchaed an eBike from Amazon (£849.99) and the eBike handling and brakes in particular were constant annoyance. I made Amazon…
Unenforceable debt, reclaim payments?
Hi apologies if I'm wrong section. I've been paying PRA for a Barclaycard debt, just realised I'd never asked them for proof of the debt/CCA, they haven't come up with anything for nearly 2 months whilst my account is on hold. If it is actually unenforceable can I reclaim back the money I've paid them? Thanks
Credit Card Partners
Hi All Having searched the forum before asking this question, I cannot find what I'm looking for? Do we have a list of CC companies, and their parent companies which lists who we can/cannot transfer a balance to?
Cashback rewards?
My Credit Card gives me cashback rewards (0.25%), and I've received a message saying it will be automatically credited after the anniversarry of my opening the account. Won't this put my account in credit, which I understand isn't allowed on a credit card?
Balance transfer
Please could I have some advice on this situation. Got a Tesco credit card with 0% balance transfer. The balance transfer expires in 12 months (approx) and has a balance of £1300. Making payments of £100pm. Ive had to make a purchase on the card, for £1800. Which is being charged interest. So not my monthly payment is…
Takepayments Ltd - Card Payment Service
Has any small business used or had dealings with this company? I was approached and told that with card payments exceeding £1k per month, I could make substantial savings on my payment fees. I'm actually nearer £2k. I checked with Trustpilot (more later!) and they gave 95% for five stars. It all sounded great so I signed…
0% Balance Transfer card help
Hi, I hope someone can help me here :) I need to take out a 0% balance transfer card for a sum in the region of £4,000 to £5,000. When I tried to do this before I was pre approved but when I entered the sum of £10,000 I was then declined (this was last year). I have no problem with my credit score - 999 on Experian. No…
Changes to Revolut Premium, Travel Insurance
On the 19th June Revolut announced a fairly major change to their Premium Account. Gone is their 90 Day Travel Insurance to be replaced by a number of other benefits, having carefully listened to their Customer's wants & needs. In order to assist their account holders that make use of the Travel Insurance Revolut suggest…
0% credit card for both money transfer and balance transfer
Hi is it possible to get one 0% interest credit card for both money transfer and balance transfer? And if so how would I go about finding one?
Message from MBNA
Just had an alert from MBNA that a message was waiting for me online. It seemed important, that they sent me an alert about a document I should read. The document stated something along the lines of "we notice that you don't always make the minimum payment on time ... ". Well actually, I always make the FULL payment, and…
Looking for credit card 0% on purchases and fee free spending abroad
Hi all, As the title says really. Looking for a card I can spend here and abroad with no fee. But also looking for 0% on purchases for a number of months. Can anyone direct me? Thanks
Time to change away from Barclaycard?
I have a Freedom Rewards Barclaycard, (used to be a Goldfish Card that Barclays took over many years ago) and have collected the points and used them to purchase items over the years. I pay off my card by direct debit every month and the amount is usually in the few hundred pounds region. However, Barclays now tell me that…
0% Cards draw you in with big offer but reduce offer by 80% at point of completing application
I was interested in taking advantage of a 0% on purchase credit card, After completing their, comparison sites listed cards offering guaranteed acceptance for the amount I wanted. My credit rating on Experian couldn't be any higher! Marks & Spencer were one such company. After completing the application on their site they…
Refused Santander Edge Credit Card.
As the title says. So as a customer of 10+ years with a joint 123/123 lite current account over those years, and various savings accounts over the years as well, plus a Zero card for overseas and purchases made in other currencies use, suddenly I'm not a good risk. Recently I used the MSE ers trick to get access to the…
Barclaycard billing/payment
I've only just started using my Barclaycard so beginner question to get clarification. I used it almost to its max credit limit abroad on June 5th and my statement says payment will be taken 22 July. I understood that it was a monthly payment (within the same 4 days of the month as per BC). It's not particularly a problem,…
Santander Edge Credit Card Query
Hi Everyone, I'm aware that the Santander edge credit card is offering 2% for the first year and 1% after this on purchases. Due to Chase ending it's 1% offer I've been considering the santander offer. I have never had a purchase credit card before, so please could someone check my understanding. If I use my credit card…

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Credit cards

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