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Can you apply for a credit card with a bank you do not have a current account?
Can you apply for a credit card with a bank that you do NOT have a current account with? Is this standard? Have you done this yourself?
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Is this “stoozing”?
Barclay card are offering me a money transfer , 2.9% fee for 18 months 0%apr. what if I take £10k (well within my limit) and put it in a good performing ISA as seen on MSE? By my calculations, I should make some money and it would be easy to pay the £550 odds per month, or £500 and just pay another £1k before the end of…
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Unused credit and debit card fraud, how ?
In December 2023 I took out a new credit card with the single purpose of doing a 0% balance transfer to pay off some money. I have NEVER used this new credit card for any other transactions in person or online. In fact the card has never left the house since I received it, and has been hidden safely in a drawer. Yesterday…
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Virgin Money Offer
Anyone else got this, or is it because I haven't used the card for a while. Spend at least £10 three times in June and get £10 cashback
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PRA Group Threatening Letter over unknown creditcard debt
Hi everyone, Looking for any guidance here or would like to hear from anyone in a similar situation. I received a letter from PRA Group threatening me with court action for an unpaid debt of £4,000 they have bought from Barclaycard. I have never had a bank account or credit card with Barclaycard and completely unaware of…
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Can ‘Other Houshold income’ on CC application include adult children
Any help would be greatly appreciated. I’m applying for a new credit card. I lived with my adult daughter (she’ll soon be 20 years old and has no plans to move out any time soon), who contributes to bills, food shopping, etc. Can I therefore use her salary in the ‘other household income’ box on the application form?
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M&S Credit card - 42 unrecognised transactions
Anyone got any advice on dealing with M&S credit card? I have had 42 separate unrecognised transactions between 13th and 21st May 2025. They were all with Sainsbury's online - but strangely included seven credits to my account. Total charged to my card, less the credits is £3.5k. This all looks very odd as I can't see…
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Zable credit cards?
Not thinking about this, but it's something that popped up on Clearscore when browsing. Whilst it acts like a credit card, is it a sort of payday loan? Gives the impression that if you spend say £500 on the card, they'll then try and take the full £500 to pay the card off a few days after a statement is issued?
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Which retailers offer contactless cash at till (cash back) using Apple Pay with Amex, in the UK?
I have iPhone with Apple Wallet app, in which I have virtual Amex card and need to access cash with this, if possible, while my physical Amex card is damaged. I have made purchases using my Apple Wallet, with my Apple Pay and Amex, but have not found a retailer that does cash back at the till, unless I use my physical Amex…
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3D verification and Halifax Clarity
When I pay online with my Halifax Clarity credit card and if 3D verification is necessary, I am always taken to a page to receive a phone call where I have to enter a given code. Other family and friends however are asked to verify the transaction via their App. I travel a lot and although always have internet, I often do…
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Paying off a NEXT account- which type of credit card?
Hi! I want to clear my NEXT account; on their website under “ Balance Transfer “ they have a section which says that you can do a balance transfer by paying into their NatWest bank account. However , do I need a balance transfer or a purchase card to directly put money into an account? I’m thinking purchase? Scared to make…
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Which 0% credit card
I remembered i had a capital one card and tried to get a new one sent but they wanted me to write a letter and send id so i decided just to close it. I am left with bank accounts with nationwide and virgin and wondered which is best for a credit card? I am not transferring a balance i just would be good to have a long 0%…
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Barclaycard online login problem. Anyone else?
App no issues. trying to login online i just get "system error, you've been logged out for security, login again" - or thereabouts. anyone else? thanks.
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Why does credit score go down when utilising your limit?
My credit score has always been excellent. Checked it today and its dropped to good. Looking at the reasons why it was because i used 50% of my limit last month. I did as i was travelling so used my credit card alot. I paid this off the same day as my bill arrived. So whats the reason for being penalised for using half the…
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major purchase
hi all, i was a little shocked at no discount for cash i'm in the middle of doing the house up and now moving onto new windows required after i got the price i asked the salesman if any discount if i paid by bank transfer and the answer was no, if i wanted to save money i could have 0%12 months, i have the funds to pay in…
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I never seem to get Balance or Money transfers offers with low fees.
When my existing cards offer them they are always in the 4.99 % range. I don't need the balance transfers but I sometimes use the money transfers - but like I say always (for many many years) 4.99% fee Do any of you have the same issues?
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Aqua "service" e-mails
I always turn all marking off as don't need to be spammed. Two emails from Aqua today, one about I can use Google pay another I can use their instalment plans. They class these as service mailings, but I classed them as marketing, as I wrong? (none of my other CC sent me anything like these e-mails).
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Trouble Receiving UK Bank Cards in the EU Post-Brexit — Anyone Else?
Hi all, has anyone else in the EU had issues receiving bank cards from UK banks since Brexit? I’ve been having a frustrating time with this — my bank claims they’ve sent multiple cards, but nothing arrives. From what I gather, the problem might be due to post-Brexit rules classifying bank cards as “goods,” meaning they…
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NaffWest balance transfers payment allocation
I am in comms so far unsuccessful with NW and wondering if anyone else has had a similar issue. I opened a new card with a 0% balance transfer ~10 months ago that's reverting to 22.44% in August and then added another BT in Feb at 0% reverting to the same rate in Aug 26. Their ts and cs say payments are first applied to…
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Nectar to Avios conversion issues
It appears Nectar to Avios conversion is not working for me. Firstly, I tried manual conversion, I repeatedly got message "failed". Then I tried to setup auto-conversion and as far as I understand it is done on Mondays, so I expected it to take place today. Still no luck, a few thousands Nectar points still sitting in my…
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 Nasqueron
22 July at 1:10PM
