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Credit cards

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

Section 75 Claim Ombudsman
Purchased mountain bike using PayPal credit. Collected from the shop, clear problems with drivetrain and brakes. Six journeys in total and replacement bike given that I'm told still not right. Eventually asked do you want small refund towards cost and see how it goes. After a while it got even worse, contacted PayPal who…
smile.co.uk withdraw credit cards
smile credit cards are no longer available to new applicants, including those with a co-op or smile current account. smile has been around since 1999 (internet banking version 1.0 for those of us that remember it) and the retention of the brand has been in question for a decade now as the Co-op has focussed on it's primary…
Link to SOA
Hi, been advised to go in here. Where do I get link to SOA please?
Nursing home assessment fee
Does section 75 cover me if I pay a nursing home assessment fee for my parent? The cost is over £150. If the nursing home cannot accommodate my parents they say they will refund the fee. This is unusual for me, no one has asked for an assessment payment before and I am concerned if they cannot accommodate my parent I will…
Amex - Does refund count towards payment
I’ve had a reasonable sized refund on Amex after my statement date. can I reduce my payment without incurring interest?
Debt Management Plan advice
Hello all i have 30k in credit card debt and payplan have helped me sort a DMP out has anyone done one before and could give me some adivce please on it? thank you
John Lewis Partnership Card SMS
Until mid-December I received an SMS every time my JLP card was used. Now I only get messages for amounts of £100 plus. Is there anything I can do to ensure a message for every time the card is used?
Is there a way to get a higher limit?
About 15 years ago our finances were a mess, yet credit card companies increased my limits all the time. Worked hard to get 100% debt free, even managed to retire early (now we are both sensible with money). So wanted a credit card, got offered a limit of £1,800 (some were £1,200). Looked at some posts here, they…
Unused Cards, should I close the accounts?
Pretty much self explanatory really. I have about 7 credit cards, most from a time when I was silly with money but 5 of them now have zero balances on them. Should I close down the cards? I will be looking to get a mortgage when I sell my house next year to buy with my fiancée so just want to make sure I'm doing the right…
Am I able to balance transfer from a money transfer card at the end of the 0% period?
I'm trying to help my brother here. He is going to get a money transfer card to pay off a high interest loan because they won't accept a balance transfer onto a credit card. I see the 0% periods are fairly short. If he doesn't pay it all off in the time, can he then move the remaining balance via a traditional balance…
Money / balance transfer
Is it possible to use a balance transfer as a money transfer? It's been a good ten years or so since I last did any kind of balance transfer and my only credit card is a low limit one that I use for fuel and pay off in full each month. (context waffle) I'm looking to upgrade my car but not planning on selling my current…
Next Pay Latest Increase
One Credit Account which is very carefully used. we’re pleased to offer an increase to your credit limit to £3750. From 3k current limit. I still fail to understand how Algorithms work, when this Account is not very often needed.
MBNA - Interest charge but don't know why?
Hi, Wondering if someone could help explain why I have been charged interest on my latest statement. I tried to speak with the MBNA online chat but literally just got T&C copied to than explaining where my interest had come from. I thought that - Put stuff on card - receive statment with amount and due date - pay before…
Vat added twice?
I have a credit card and they also gave me fuel cards attached to the credit limit. I'm supposed to be paying less at the pump but have discovered that if I use the Credit Card for fuel, it shows as goods and services and I pay the exact amount, but if I use the fuel card, they put it down as fuel and add 20% vat onto the…
Cancel credit
A friends husband is in a nursing home. She has PoA. How to cancel his card?
Should I apply for a interest free Balance transfer card or wait?
I currently have a Santander CC with 0% until August this year. I recently purchased a flat and now have a mortgage, and with that I will have to update my address on my credit file. My previous address is my parents where I lived. My question is do I apply for a new BT card now? or wait until August (when the balance will…
Credit card balance transfer for my spouse
Hi all, I am looking to apply for a credit card to move my spouses balance on to a 0% deal. I just checked and HSBC clearly state the balance has to come from a credit card in your name, so I can’t apply for that one. But I can’t see any information like this on the likes of Tesco’s website. Does anyone have any experience…
Lloyds Credit Card and S75 Claim
I recently (Aug 23) bought a printer for home use and it had before Christmas a fatal error message - "printer heads missing" I took it back to the retailer who told me as it was more than 60 days old they couldn't do anything!! New printer heads will cost almost as much as the printer did. I bought on my Lloyds Credit…
SumUp purchase treated as cash advance?!?
I have been charged interest on my NatWest credit card because they have categorised a purchase I made in a local music shop as "cash equivalent" due to the fact that they use SumUp as their card payment processor. It was a normal purchase of goods (music equipment) from a shop and I put my card into a normal card reader -…
Revealed: Section 75 credit card protection may fail due to payment processing
Savvy shoppers who pay with a credit card in order to qualify for Section 75 protection if something goes wrong risk being left £1,000s out of pocket thanks to an obscure and little-understood exemption, a MoneySavingExpert.com investigation reveals....Read the full story: 'Revealed: Section 75 credit card protection may…

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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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