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Credit cards

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

Balance transfers
Hi all Scenario is that OH can Halifax money transfer but Natwest Group not offering BT cards. Theoretically, is the below possible: 1. OH money transfer from Halifax 2. I balance transfer OH Halifax to my Barclays (that allow partner transfer) 3.I balance transfer from Barclays to Natwest 4. Repeat 1 and 2 5. I balance…
Credit card usage affecting credit scoring
For a number of years now I put all my expenditure on my credit card and then have a direct debit to pay it off in full each month. However, it appears Experian credit scoring is old fashioned/unsophisticated and does not recognise this increasingly popular usage of credit cards because many provide reward points or air…
Creating a credit history
Hi all. For the last 4 or 5 years I have taken no loans and have kept my Credit Card statements clear at the point of creation. I realise now that this now means I have no record of being a good customer who can borrow responsibly and pay back reliably. My question is, is the information sent to the credit reporting agency…
0% purchase cards and foreign transaction
I'm looking up getting a new credit card to help pay for our honeymoon this summer. I've done Martin's eligibility test and we've been recommended Natwest or Barclaycard, they have excellent term 0% on purchases which would give us an extra 19 months to pay off the expense which is perfect for us after just paying for a…
0% money transfer/balance to pay off loan?
Hi there everyone, I have loan with first direct that is roughly £300 a month, I’m looking at options to lower that monthly payment for a few months, there is £7000 left to pay but I’m thinking of some options to pay it off like a balance transfer or money transfer card. I have a NatWest purchase and balance transfer card…
Capital One Transfer Limit
On the balance transfer card for capital one it says (We’ll let you know if your full transfer amount is within your credit limit, before you apply). I’ve put in £1,000 and it says accepted and the credit limit on the page says up to £1,500 so I’m guessing I’ve been approved for a £1,500 limit on that card, I’ve called…
Eligibility checks - third party vs bank's website
Just a useful nugget of information to confirm what's often said on these boards.I've got a credit card where the 0% rate is due to end soon. I have the money stashed away to pay it, so no problem, but I thought I'd see if I could transfer it somewhere else just to carry on earning a few pennies interest on my savings.I'm…
Firm goes bankrupt will also making a Section 75 claim - What happens, where do I stand
I tried to reject my caravan back in January, due to poor quality repairs and ongoing water ingress issues. As I had rejected the caravan while it was still at the suppliers workshop, I left it there and gave them 14 days to refund me but the company disputed my Statutory Final Right to Reject, saying they "felt' they did…
Does Virgin Money tend to offer good existing customer balance transfer/money transfer offers?
My existing balance transfer on my Virgin Money card will expire in a couple of months' time (I will repay it before then) and it'd be helpful to know whether Virgin is likely to offer me a good "existing customer" BT offer.
Paying off my Very buy now pay later balance with a credit card
If I do as per the title, will the credit card (Santander Edge) treat it as a cash withdrawal? If not, would I earn Cashback on the transaction?
Chargeback or section 75 claim?
Goods ordered from Germany over 1k on barclaycard Never received them It appears courier simply left them by the back door with no authorisation from me and left in plain sight to be taken. If the retailer does not refund me this week then should I do a charge back or a section 75. Just wondering which is the best…
Sainsbury's card being declined
Just a heads up in case anyone else is in the same situation. I have a letter dated 1 March 2024 saying that Sainsbury's are sending out a new card but to continue using the old one in the meantime. No new card has arrived but on from 12 March my old one is being declined. I have just spoken to customer support and…
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Money Transfer and then Balance Transfer
HI, looking for some advice on if this is a good idea or not. i currently have some debt which is being dealt with. Although I’m coming to the end of a Balance Transfer period on Lloyds and Tesco. However I last night got accepted for a Tesco card with a significant credit limit (enough which will allow me to merge my…
Refund in purchace - when would transaction be certain?
Hi All, I had situation with a faulty bike (expensive, £2.5k). In short its gone back to the manufacturer and the shop has offered a refund. They have said refund back to credit card or BACs transfer – the CC they can do tomorrow, but BACs needs to go to office later in week. The sticking point is I think the shop maybe…
Charge back.
Member of My family have been refunded an amount by their cc company because of non existence and bad service from a company They are aware that this can be taken back from them after the company submits their defence and wins. All of this has happenned in the last 30 days All of that they understand. In the past few days…
Shift Balance Transfer to 0%
I'm wondering if this makes financial sense. We recently returned from holiday and also have had some building work done so needed to buy some expensive items (materials, driveway gates etc). We have around £5k on two different credit cards. We normally pay off in full each month and use credit cards for benefits only.…
Card offers from credit reference agencies
Over the past 18 months I've been working hard to improve my credit worthiness. I would like to shift some CC debt to 0% interest. A few days ago and offer for a pre-approved Fluid £2000 9 month balance transfer appeared in my Credit Karma. It's now disappeared, and a 5 month Marbles balance transfer card (max £1200 limit)…
Tesco CC, does a payment reduce the direct debit?
Hi all, I'm wondering if anybody knows if making a part payment towards the statement balance on a Tesco credit card reduces the direct debit amount of not? For example, statement balance is £1000 and the full amount id due to be taken on the 1st, if I pay £500 now. Will the DD taken be £1000 or £500?
Barclaycard Platinum - problem with balance transfer
I was looking for a long 0% balance transfer card and saw on Clear Score that I was pre-approved for Barclaycard 0% for 29 months. I have transferred balances many times over the years and have never had any issues, so now I find myself in a frustrating situation. I completed my application for Barclaycard over two weeks…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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.

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Credit cards

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