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Credit cards

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

CC or loan to pay for new heating
Just had new heating & I have a bill of £4.5k to pay. My question is would I be best doing this on a credit card or getting a loan. I'm slightly confused by the bill having bank details so I guess this would be classed as a cash advance by credit card company and attract high interest rates? Any advice would be most…
Interest rate confusion
Hi, I am pretty good with numbers but am getting myself in a pickle with an upcoming 0% deal ending and would appreciate some advice from a wiser forumite please. Currently on the same credit card I have: £2062 at 0%, rate ending 27/02/24 £2816 at 3.9%, rate ending 19/05/25 £3273 at 5.9%, rate ending 06/11/25 I have a…
Paying balance plus 0% BT
Can someone clarify my calculations please? CC offering me £1396 BT on 0% for 15m.I currently owe £2387 on the balance & am paying £100pcm (more than the minimum payment of around £60 so I can pay it off a little quicker). I can't see how I can pay the £1396 without paying the total off within the 15months. Is that…
Large holiday refund returned to credit card
We recently had the disappointment of having a US holiday cancelled at the last minute (the river boat was in dry dock for longer than planned). The (large) refund was promptly processed at a point my card was £2k negative. This was not due to be re-paid until a month later as usual. The bank refused to transfer the whole…
Santander blocked my credit card and online banking
Hi, I've been with Santander since September and recently opened a credit card - I went shopping yesterday I tired purchasing something for £400 with apple pay but it was declined, I then tried inserting my card and it was declined, I was no where near my limit. When I went to check on my online banking as I thought I may…
Curve Metal to pay Credit card - how do I do it?
Ive just had a curve metal card and want to pay my NatWest CC (interest free) to get some points - may aswell! My Barclay avoid is connected to the curve..... However I can't find how to pay! Curve fronted is turned on, but when I phone Nat west they don't take payments over the phone and no option to use the curve debit…
Natwest Credit Card - Changes
Has anyone else noticed that with the Natwest Rewards Credit Card (and presumably other Natwest/RBS Credit Cards) spending marked as ‘pending’ is immediately added to the balance amount as soon as the purchase is made? It used to be listed as ‘pending’ and only appeared in the balance once the transaction had cleared –…
Charged £74.27 interest by Virgin Money Credit Card for underpaying by less than £8 !!!!!!!!!!
Hello All, I have got one credit card from Virgin Money, which I've had since July 2022. I have always paid the balance off in full, so I was surprised this month to get an interest charge of £74.27. Over the last six months I've used their instalment service to pay a large car bill. So last month I paid the final…
Interest Charges Calculation
I feel like I have been overcharged interest but don't seem to be getting any definitive answers from Barclaycard about it. My credit limit is £5k, I never exceed that. I have a 0% promotional balance of £590. Therefore I should only be charged interest on an amount of £4410 or below. My monthly interest rate is 2.5688%,…
When Does Interest Stop if I start paying in Full
I've asked on the providers live chat and they said I won't incur any more interest charges but they've shown me before that some of them don't know what they are talking about so here's the scenario. For a while I've been carrying a balance on a card and not paying in full so incurring interest. The due date to clear my…
Credit Card for a Credit Newbie
Hello, I am keen on getting my first credit card. I have a good credit score as I have never gotten into debt but conversely it has meant I haven't had enough credit history to get an excellent credit score. However, I recently have a mortgage which has built up some credit history now. I have seen some credit cards are…
Section 75
I have a claim with my credit card, under a section 75 the items purchased = £12k .. the company is no longer trading , I have had to supply a structural report and now 3 quotes I I submitted the claim in march this year .. am I entitled to all my money refunded to me or does the credit card company choose one of the…
Section 75 rights
I have now had an update .. it apparently had to go through approval stage due to the time limit! They have now offered my the cost of the replacements at the lowest quoted cost , which is approx £1400 less than the full total I initially paid , I had to get 3 quotes and I chose well known reputable companies .. these…
MBNA CC limit dropped by almost 12k to £75
Hi, As per title, got 2 CC with MBNA with combined limit of the two cards of just around 18k. One card had a ca 12k limit and has now been reduced to a limit of £75 without any warning or notice. Just got a text and the rate was applied over night. The other CC has a promotional 0% BT on that runs out on the 12th and the…
BarclayCard: Downloading Transaction Files
Just a warning... I recently discovered that BarclayCard were unable to download some of my monthly transaction files that were over 6 months old. This was confirmed by BarclayCard customer service (on 19-Jan-2021), who stated that customers are expected to download their transaction files before they become 6 months old.…
HSBC Letter - We are clearing your outstanding balance!
I've had a letter from HSBC today that says 'as a gesture of goodwill, we are clearing the outstanding balance on your credit card'. Although it falls into the 'too good to be true' category, they are not asking for anything, it's simply a statement that my direct debit will cease on 29th February. I only have one credit…
Have lenders changed their eligibility criteria?
I took out a 0% balance transfer card around 2 years ago. Nothing has changed much, if anything, my salary has gone up, we've lived in our house longer and the amount I want to borrow has gone down. Trying to find a card to transfer again and everywhere is saying I'm not eligible. Anyone know why please?
Refunds and how they're credited
If I receive a refund for a transaction, is it treated as other payments (I'm aware I still have to make my monthly minimum payment on top of that) and credited to the oldest transaction first and so on, or is it specific to the transaction being refunded?
How do you start with a credit card to build a rating
Please can someone advise. My son needed a car when at uni. I bought one and put it on my credit card. He pays me bit by bit every month which I then pay off the card. It is always more than the minimum amount. I suggested that as he has finished uni and is now in fulltime self employment he should get a credit card 0% and…
Credit Card Query on 0% - To pay or not to pay?
Hi, I have a 0% CC with Barclays with the 0% due to end December 2024. My balance is £3k with a £4k limit, so I'm keen to bring my utilisation down. I've been preapproved for a 0% balance transfer with Natwest with a higher limit, so I'm trying to decide, do I pay off a lump sum of my Barclays to bring the utilisation down…

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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
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Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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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
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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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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