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Credit cards

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

Debit vs Credit card for small business
Hey everyone, I'm currently looking at getting a credit card for my small business with my bank (Monzo), however I was wondering if it is worth it or not and if I should just stick with my current debit card? I've heard that there are benefits that do come like no travel fees and making it easier to break down each bill,…
Halifax Clarity vs Revolut
I am wanting advice on which is best card to use abroad for my upcoming holiday to Turkey? I have a Halifax Clarity Card I have Revolut Card on the App How do I check which has the best exchange rate on the day? Should I order a Physical Revolut card incase I want to withdraw money from the cash machine?
Moving from Tesco to tesco
Hi all, I was accepted for a Tesco balance transfer credit card with a 12 month 0% interest period which ends in may. Reading the latest MSE weekly email they state that there are 2 cards with 28 months available with one of them being Tesco. Do you think Tesco would allow me to open one of their 28 month cards and…
Motorcycle dealer won't accept CC online
Buying a motorcycle (scooter) from a dealer in the UK but not close to me. There's one locally, but having looked online I found another UK dealer with the same bike but lower priced. They have good reviews, and I contacted them. I want to pay part on credit card, for the protection, but they said they want the money by…
Metro Bank credit card
Have just been told on phone to Metro bank that as of yesterday credit cards for personal customers are no longer available. Is this true. I don't have an account with them, am looking to ditch my Santander credit card for a more environmentally friendly credit card. Any ideas?
Paypal Credit
Hi people. Sorry I know Paypal Credit isn't physically a credit card, but I couldn't figure which board to write this. I've had Paypal Credit for a few years now and it currently stands at just over £5,000. Due to moving areas, I've had to find alternative employment and really struggled to find a job that paid the same as…
Halifax Clarity Alternative
Is there a card on the market that is similar to Halifax Clarity (i.e. no fees for non GBP transactions/cash withdrawals abroad) that anyone knows of? I only want it for occasional use to pay for things like holidays in EUR (for example) then settle the balance straightaway. I know I can do this with the likes of Revolut…
Tesco Bank will not close mothers Tesco Credit Card Account
Hi All My mother is 85 years old, she has dementia and is in a care home and spends most days staring at a wall. She has a Tesco Bank Credit card account and each year about £70 goes out of her account in January. We cannot tell from the statement description who it is, so contacted Tesco Bank to cancel the payment and…
Stoozing Newbie
I've pondered stoozing in the past, but always been a bit nervous about it. It would be great to get a second pair of eyes on my thinking: Halifax 0% money transfer £9000 (already have this card) to Trading 212 at 5.2% Natwest 0% fee, 0% balance transfer Halifax amount for 13 months (approved for £13,700 limit today) Can I…
M&S Credit Card. Something went wrong. Apply again!?
Now what? has anyone experienced this? other than phoning them do i know if they may still process, whether there actually has been a search and indeed will there be another? how quickly would a new search appear on a CRA. if i were to apply again and there had been a search already, would the fact that it was an M&S…
Credit Card Holiday (Fluid)
Hi, I'm a 71 year pensioner and have a Fluid Credit Card with a Credit limit of £2,500, my my credit score is FAIR, 722 with Experion. Unfortunately due to Covid and the recent COL crisis I relied too much on the card and the current balance is now £2400. I have never missed a payment or paid late, in fact I have a perfect…
0% help explain
So my wife is paying down a debt on a 0% credit card was around 4k she has £800 left to pay she has 2 month left of 0%. on my current credit card I’ve been offered 0% balance transfer of upto 4k for 12 months but I just plan to use the £800 the card that I have the offer on has a pending transaction of £80 that’s it and…
What happens to the goods after a successful charge back
Good afternoon We purchased a car from an independent dealer back in January, they have failed on numerous issues, not supplying a 12 month warranty and the mileage is in question, the retailer said he couldn't afford to pay for the warranty, and then said he was going out a business, so we applied for a chargeback claim…
New to Credit Cards - Repaying the same day statement generated a good idea?
Sorry for the basic question, but I have a couple of bad credit, credit cards and want to make sure i´m doing all i can to bring credit back on track. I have a capital one with a £200 limit, and a Vanquis with £600 limit. 3 months in and i am paying the balance (less than 20%) in full the same day i get notification of a…
Is recurrent CC transactions suitable for Charge Back
Long and sorry story. while trying to set up a free Paramount Plus account from my SKY setup, I accidentally (100% my fault) went to a Paramount Plus reseller site (Gamingify) and signed up. It was free and I provided my SKY account details, they then set up a 14-day recurring payment against my credit card after three…
Barclaycard Rewards cards not ussued
Received a message in iPhone wallet to say Barclaycard Freedom Rewards Card was no longer valid. New cards should have been issued but none were sent. Rang Barclaycard and there has been a delay in issuing new cards to some customers. So left high and dry for a few days, as old Freedom Rewards cards are no longer valid and…
Section 75 protection
Hi, I’m having some works done for £30K. In order to get protection, I’m paying a £1K deposit by credit card. The rest of the payments will be staged and made by BACS. My parents have offered to pay for the work. Does this present any problems in the unlikely event I needed to make a section 75 claim? All quotes and…
Ebay dump American Express for payments
Received an email from Ebay this morning to that effect, as of 17th August - unable to agree terms.We all know the reason why no doubt.
Money Transfer or Balance Transfer Cards Eligibility
Hi Everyone, I am looking to get a balance transfer or money transfer card to utilise the interest free period to pay off the remaining balance on a loan to stop the interest. I will then pay the card off before being charged interest. So far this year I have managed to pay off a £3800 Tesco credit card, £1150 on a…
0% Money transfer question
I have a virgin Credit card with 3.5k limit and £950 owing. The APR is 23% on this card. I received an email for 12 month 0% balance and money transfer with a 4% fee. I have 2 other balances owing on other cards coming to around £900. APR on these is 29% + 31%. Would it make sense to take an £1800 money transfer and just…

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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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