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Credit card, charge back cover question section 75
Hello. As per the title. For many years the min spend is 100 pounds and max is 30k. Does this mean that if someone purchases something over 30,000, you won't be covered, or you will only receive a maximum of 30,000 back? I'm also aware that you can still be covered for sub 100 pounds, and if you used your debit card but…
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Vanquis Credit Card
I’ve had a Vanquis credit card for several years and recently was offered a 0% balance transfer which I took. I read all the “Important information” on their app. I continued to use said card for purchases. I have now received my statement and am now told that once you have a balance transfer you cannot continue to use…
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Car Dealership Credit Card Payment Fees?
Can I check what the laws are on retailers if I wanted to pay for a brand new car on my credit card? Are they allowed to charge additional fees for using a credit card? I seem to remember a law change back around 2018 whereby retailers were no longer allowed to charge fees but can’t remember the exact ruling and if it…
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Irresponsible Lending Complaint
I have submitted a compliant today to: capital one, Barclay card and Tesco in respect of irresponsible lending (increasing credit limits when I had no hope of every repaying the previous limit) Barclay card and Tesco have already got back to me with acknowledgment and my complaint reference number. Just wondered if anyone…
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Consolidate/pay off debt
Hello. I’m after some advice regarding my car loan and credit card debt please? I have £11,000 left to pay off my car, which I’m currently paying at £500 a month, but also I have a credit card debt of £2500 at 0% until October. I have savings of around £7,000. I have the option of paying my car off early, so I’m thinking…
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Cc payment order, again…
Just checking… when the cc terms say it the balance with the higher interest rate will be paid first, the take a 0% as 0% (so pay it last), not the rate it will be when the promotion has ended?
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Sending cash to family via PayPal with HSBC credit card - treated as cash advance?
I have various payment methods linked to my PP account. Just sending a payment to my son via Friends and Family and I can use my HSBC 0% credit card with no fee charged by PP. But does HSBC count this as a cash advance?
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Barclaycard and PayPal - cash or purchase
Hi all Does anyone have experience of sending money to friends and family via paypal from a credit card - and whether it was treated as a purchase, or as a "Cash" transaction? if the latter, would it be a one time cash advance fee, or would there be monthly interest ? I have a new 0% purchase and 0% BT card, no money…
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John Lewis credit card - rewards reducing
Not sure if other people are aware, points going to the basement floor. Was 1 point for £4 eleswhere. Now 1 point for £10 elsewhere. https://www.theguardian.com/business/2025/jun/07/john-lewis-points-credit-card-purchases
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Credit card advice?
Hi. Looking for some advice please. I’m having an extension built starting shortly. I’m in the lucky position that I have the cash ready, due to inheritance. And for the build I need to make weekly payments of circa £6k. How is the best way to pay this and get some benefits back?? Thanks in advance for your advice
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Santander Edge debit card, using abroad. Help.
I have just come back from Spain and used my Santander Edge DEBIT card to withdraw 50 Euros. I was led to believe this would have no fees and give me a good rate. I got this advice from this website and Santanders website. I withdrew the money and was charged £46.32 which is a terrible rate of 1.07. At the bottom of the…
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Barclaycard Cashback Rewards
I have a Barclaycard platinum visa card and I'm trying to work out if is it's worth joining the cashback scheme. Does anyone know the full list of retailers who participate? The only one of the logos they show that I might use is Morrisons and I'm not sure if it refers to the supermarket part. I think there's 0.25%…
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Credit scores v credit cards
Hi, I have watched Martin Lewis talk about this on TV.
The more he talks about it, the more I am confused. I tried to improve my score
by getting and using a credit card. I had problems getting a new mobile phone
from a different provider and operator. They did not know me so turned it down. I have now got a £200 credit…
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Not eligible for a 0% Credit Card?
Good afternoon, My current 0% Credit Card (Purchases) with Barclaycard is about to end within the next 6 months. Im in a position where my balance is almost paid off. I thought i would take the opportunity to apply for another long term 0% Card as per the recommendations on MSE. I have filled out the eligibility form on…
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Vanquis help
Has anyone had their Vanquis card suspended for security reasons?? Mine has been blocked since Wednesday 11th June after my first use! I made one payment and tried to make another and it declined. Called them and they said my account was blocked for security and someone would call back within 5-7 working days. Looking at…
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Balance Transfer card and Money Transfer from existing loan question
Hi, thanks for letting me use this board. I am a little confused. I recently took out a Virgin credit card with 0% on balance transfers until Feb 2027, which is the offer I used to move a roughly £2,000 credit card balance. I also have an offer for 0% on money transfers on the same card, until 12 May 2026, and I am…
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Is this worth it Stoozing
I have an offer from Barclaycard 2.9% balance transfer (which i can get as money through using the Halifax Clarity as a mule) this offer is for one year. I have a large credit limit with Barclaycard (around 10k) With interest rates generally reducing. I could only expect to earn £450 maximum if i can get and keep 4.5% for…
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Best Credit Card for Rewards
What is the best credit card in terms of value of rewards? Appreciate it all may depend on what you are after, but technically, in terms of pure value, what is the best credit card for the rewards you would receive?
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First Credit Card at 31
Hello, I am 31 years old and have never had a credit card. In the next 2 or 3 years, I would like to buy a house, so I believe it would be a good idea to get a credit card to build my credit in time for that. My plan is to get a credit card and use it for everyday spending and always pay it off in full. I have always been…
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Odd refund behaviour on PayPal credit
I've made two purchases with paypal credit, the first larger one using their introductory 0% over 4 months offer, then a second smaller one that gave me the option of 0% apr over 24 months, in fixed installments. I was planning to pay the minimum on my first statement, then pay off in full on the second - incurring 0 in…
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: Are BT 0% offers usually on new cards? by kimwp
5 August at 9:57AM
