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Closing Old Credit Cards (yes another thread about this!)
I have one credit card I use nearly all the time. It has a large limit, of which I use about 10% of most of the time. I have one credit card I use abut twice a year as a backup. This has a limit of about £2000, of which the last time I used it, I put about £700 on it. I have about three old credit cards I don't use at all.…
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What credit card is best for me
Hello I’m just looking for some advice on what credit card is best for me. I’ve been looking into different types but still quite unsure. I’m 21 years old and haven’t had a credit card before but credit rating is sitting at good. I earn around 18,000 a year before tax with that figure increasing for the next 3 years. I…
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0% Balance transfer query
Hi everyone, I have a 0% BT ending soon and I have other balances on that card with different end dates, if I don’t clear/pay off the balance, will I incur interest on the remaining separates transfers? Thanks👍🏼
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ASDA credit card. New cashback rates
Hello. I got an email from BE CLEVER WITH YOUR CASH this morning saying cashback cut on this card from 1% to 0.75% @ Asda and 0.33% to 0.2% elsewhere. I had not received anything from Asda Money about this. Asked their live chat who confirmed these new rates to me. Has anyone received anything from them, like I say I've…
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Section 75
I need some advice. I've got a guy doing some building work for me and I need to pay him £2,200. I want to pay using my credit card, so I can take advantage of Section 75 if the work turns out to be shoddy. However, the guy only takes cash or bank transfer. Barclays won't let me transfer money from my credit card to his…
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Credit Card - Default and future Payment
Hi all I hope someone can help. The debt in question stems from a Capital One credit card, and due to unforeseen circumstances including job loss, my last payment was made in March 2018. Subsequently, I have had no further communication or transactions with Capital One. I understand that a default was placed on the account…
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Pre loaded cards
A friend is on a relatively low income, mainly income support, he lives in Northern Ireland in supported accommodation His sister who lives in the Republic of Ireland wants to send him some sort of top up on an occasional basis, such as birthdays, new clothing, essentials, she has suggested Revolut? As I understand it that…
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Asda - Jaja Credit Card
Hi all I’ve had this card since it was first launched. However, despite using it regularly and paying it off in full I’ve never received a credit limit increase. Has anyone ever received a credit limit increase offer from Jaja?
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First Credit Card for Student in Final Year of Uni
Hi, I'm just entering my final year of university (4th year) and am looking at getting some sort of credit card to help boost my credit score. So far, I have determined that pretty much every credit card has at least a £10,000 minimum income, which rules me out! Then it's whether to use the parent's address or the…
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Husband's Debt
Hi, My husband has accumulated some debt on credit cards /paypal credit. What I would like to know is if he lost his job or wasn't able to work for any reason what happens about the money he owes. I take it they will still want their money. He won't tell me or show me how much he owes (he has told me a rough figure but he…
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Virgin credit card transfer offer question
I have an existing amount on my card with the 0% promo rate ending in January 2026. They've offered me a new money transfer but this is only to Nov 2025. So want to know will this affect my existing promo rate date i.e will the whole balance's end date become Nox 2025? Or will the two offers / end dates run consecutively?
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Asda Credit Card
I’ve been approved for the Asda Money credit card, currently waiting for my card in the post… what are others’ experiences with Asda credit card/s? Do you mainly use it for your Asda shops or generally/both? Any what are they like with increases, customer service etc? Thanks
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Pre approved for 0% card but just bought a house
I live in a council property - was at my previous council house for 20 years and just moved in April this year to another council house. I’ve also just bought my first house last month and hope to move asap. I’m concerned if I apply for a pre approved NatWest 0% card from my current address it will seem dodgy if they check…
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You must check your statements!
My neighbour has just had his credit card statement, and there is showing on there a payment going out under paypal. well, that's not possible as he's not signed up to paypal, and doesn't even own a computer. so told him to phone the c/c company straight away, and if it can't be sorted I will email them on his behalf so…
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Phone number to close Lloyds Bank Credit Card
Does anyone know a phone number to close lloyds bank credit cards please? I have tried a few times using the app and after speaking to the robot the human doesn’t show up!
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0% Interest Credit Card on Mat Leave
Hey, I’m sure this question has been asked before but I can’t find anything too recent. Basically, I’m 5 months into my maternity leave and due back in April next year. From January 2025 I’ll no longer be receiving any money (from work or SMP). I did the eligibility checker on here earlier today and I’m not sure if I can…
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Transfer balance onto new Credit Card - if unemployed/on a low income
I am asking for a friend with this.. She has a balance of around @1.4K which was on a credit card with 0% interest. Then had an unexpected vet fee which was not covered by insurance, so her only option was to use her CC. Now, the interest has commenced and she has lost her job, which means she has no regular income aside…
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HSBC Credit Card - £25 cashback as per MSE email / £26.25 via Quidco
Hello, I saw the above offer in this week’s MSE email and decided to apply. However, instead of using the link provided in the email I went via the Quidco app instead (they are offering cashback of £26.25). I’m not sure if I’m now eligible for £51.25 cashback overall (once I’ve met the necessary spending conditions etc) or…
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Santander Zero CC - Is it worth keeping?
Afternoon all, I've had a Zero credit card for a long time since they were launched. I don't have any outstanding balance, and I rarely use it. If I were to use it, I would pay off the balance in full. I have other credit cards I use, so I'm wondering if it's worth keeping. I see it has good benefits for using it abroad,…
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Travel credit card that doesn't use SMS for security.
Hi, Does anyone know of a travel credit card that can be used abroad but doesn't use SMS for or multifactor authentication. This is when they ask for a security code sent via text message or send you text message which you need to reply to to verify it's a genuine transaction. It's really good to have security but this…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.3K comments
Most recent: When to clear/shift balance by GoodDealSearcher
3 November at 12:21PM
