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Credit cards

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

HSBC credit card length of promotional period
I took a new card for 0% purchases in July, but I can't find anywhere that tells me how long that promotional period is (yes I should have written it down at the time)! Current offer seems to be 20 months but I can't find it written on my statements or in the HSBC app (not tried the website OLB yet) so it might have been…
Barclaycard Limit Slashed From 7500 - 2150
I received an online document on the 11th October stating that my credit limit is due to decrease from £7500 to £2150 on the 16th (today). I had absolutely no idea about this until I received an email this morning stating I am near my credit limit, which I thought was strange as I knew I was not anywhere near the 7500…
s75 Claim on a second hand faulty car purchased from a dealer
Hi All I bought a car from a dealer paying a £500 deposit by Halifax credit card. I identified several faults with the vehicle before purchase, which the dealer agreed to rectify so long as I paid the full sticker price. The dealer delivered the car 4 weeks later with only one of the faults fixed. I was a bit annoyed that…
American Express credit card chargeback rebilled after 7 months
Sorry to reignite an old debate. I used an American Express card to pay for a number of hospitality tickets for a football event in Spain in November 2023. The service was not as described and I contacted the merchant to resolve. They flat out ignored my requests after 2 months of trying politely. I had a couple of replies…
FOS Time Scale
Hi All, I started a case with the financial ombudsman with a complaint against Aqua Credit Card. My complaint has been upheld by the investigator but as Aqua have not responded with in the time frame then it has been referred to the Ombudsman to look at. Has anyone had experience with this, or have any idea what the time…
Am I a Homeowner?
When applying for credit, what option shoild I tick? Homeower - with mortgage OR renting? I live with my husband, he has a mortgage (in his name only) for the property we live in. I am not named on the mortgage at all, but we are married. I do, however, pay a set amount into our joint account each month which is used for…
What should I do after paying off my credit cards
Hi all, I’ve got about 3 seperate credit cards, I decided to pay them off and put them onto a loan as it will allow me to pay them off faster. Now that they are all payed off do you recommend that I close them or should I keep one or all of them open?
Does changing your credit card effect your credit report for first time buyers
I have had a post office credit card for around 1 and a half years (never missed a payment) however there are no benefits to it. If I change cards, will this be a bad move with me looking to buy my first place in around 6 months time? Thanks
Nationwide Eligibility Checker
When you do an eligibility check with Nationwide how does the soft search show on your credit report in the soft search section?
M&S credit card - 10% cashback, misleading?
I'm a tad confused - I've received an email from M&S which says that I can get 10% cashback, to a maximum of £50 per month, but in order to get this I have to spend £800 per month. But... 10% of £800 is £80 which would mean that the cashback is in fact 6.25% (if my maths is correct). I honestly wondered whether the email…
Existing customers treated worse than longstanding loyal ones
Two examples Santander balance transfer offer of x mths interest free and no fee thru money supermarket Lloyds similar offer with x% bal trans transfer fee but x mths purchase interest free I have cards with high limits with both banks (been with Lloyds since my teens) Neither will give me the same offer on my existing…
NatWest didn't want to offer me a card, but is it a rejection/refusal?
I went online to apply for a credit card from NatWest, after I put my personal details, I get an error that I can't continue with the application. I gave them a call to ask and I was told they can't offer me a card now, and they can't say why! This comes as a surprise to me, as I have never had this before, my credt score…
Monzo Flex refund
I was returning an unwanted purchase in a shop the other day that I paid for on Flex. Opened up Google wallet on my phone, selected Flex card and it said this method isn't supported. Had to choose my normal CC (Tesco) to get my refund. Has anybody come across this? Thinking I might have to physically have the card on me…
Amex/PayPal/eBay Chargeback?
Hi all, if anyone has any knowledge of the Amex Chargeback rules I would be grateful for any advice. I bought a used MacBook Pro on eBay for £605. It was sold with AppleCare Warranty until December 5th, so I was confident about going ahead. After experiencing instability and intermittent shutdowns I finally booked it in…
Credit card for spending abroad
Can someone tell me what is the best CC (excluding DC like Chase etc..) for use abroad nowadays ? I am a long-time Halifax Clarity cardholder, but it looks like these 2 are now slightly better Virgin Everyday cashback credit card (0.25% cashback, no fx fee, MC exchange rate) Barclaycard Rewards cashback (0.25% cashback, no…
Post Office (Capital One)
Applied for above, 0% for 18 months. MSE eligibility and their soft check said 100% chance of acceptance subject to security checks... Completed the application and to the 'do you want to transfer a balance?' applied for a BT of 3k and got immediate "It's a Yes! Click to continue..." After some time it then said they need…
Wiping debt emails
How long after sending mental health and debt form will credit cards respond? Will they likely wipe the debt or 75% off? Regards
Pre Approved Website Error
Hi All, I would like to consolidate some credit cards onto one interest free card and had used the MSE tool to find a good deal. I had selected HSBC and completed their online form. The issue is after I hit submit, I was met with an error page - see below. Should I expect to see a credit reference check on my record if the…
MBNA credit terminated with immediate effect?
Hi, Posting on behalf of my mother. She is a pensioner and applied for an mbna card with a 0% spending offer. She has cash in the bank and a good credit history, only other credit is a barclaycard which has a zero balance. MBNA granted her the card, she used it and was servicing the card for about 4 months when she logged…
Section 75 associated costs
Hello MSE hive mind! I recently had a flight cancelled in the USA due to adverse weather and had to book into a hotel overnight until I could get the new flight. I have tried to claim the associated costs through my American Express but they have come back saying that there wasn't a breach of contract so can't be refunded…

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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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