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Credit cards

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

Statements on closed account
Hello. I hope someone can help me with this query. My husband is pursuing a Section 75 of the Consumer Credit Act as the funeral plan he took out 3 years ago has gone into receivership. He has approached the bank whose credit card he used to pay for the initial deposit. I also need to mention the account was closed in…
Aqua / Marbles etc - how to access statements older than 6 months?
I want to access these but Aqua doesn't seem to have an option on their account settings to message them in writing. I have set my statements up as eStatements but they disappear into a black hole after 6 months – how do I request older ones? I called them earlier and they said if I've got eStatements set up it's my…
Vanquis Fraud
Hi, I'm hoping to get some help. I've recently been a victim of identity theft where someone managed to conduct 2 credit checks and was able to open a credit card with Vanquis Bank with a limit of £1,200. I had recently moved out and the account was registered at my old address. So any post sent was missed and i only…
Question regarding very.com
Hello! I recently applied for credit with very and was approved with a limit of £400. Brought a Christmas present on Black Friday and the order is showing as ‘processed’ with a delivery date but I have gotten no email confirmation and my balance on very hasn’t changed after purchasing the item (it was £200 and my balance…
Capital One cash advance
I've just applied for a Capital One card. New to credit cards but just checking to see what people know about them. I may at some point use it for cash advance, potentially late in month and close to my salary going in, end of month issues. Does anyone know if the interest rate Capital One charges on that advance is the…
Transfer credit card
Hi all I’m new here,this is my first post, after some expert advice. I have 4 credit cards with roughly around £8500 debt,some are not interest free anymore,was wondering if i should apply for a loan or some new interest free credit cards,the issue is that I’m about to remortgage in April aswell,so need to know the best…
Holiday Chargeback??
Hi all, apologies if this is in the wrong category. I would just like a bit of advice re a holiday chargeback and would like to know if I have a chance or would get denied basically. I booked a holiday to a 5star+ hotel in Ayia Napa, there was about 30 of us. Everything was ok until we checked the jet2 app about 2 weeks…
Charged twice for ticket in airport
Hi, I have recently had the misfortune to miss a flight due to delays. Having to then buy another ticket in airport sales kiosk (Antalya airport). I was in a bit of a state because of missing flight and first time this has happened to me (I'm nearly 70) I was quoted the price in Euros 468 which I agreed to. Handed over my…
Credit Card - lots of savings but not much monthly income
Hello My father has recently died and the credit cards he had were in his name (albeit joint with my mum who had a separate card). The banks have cancelled the cards because of his death and so my mum is now left without a credit card. My parents (both in mid 80's) always paid this off every month from monies they have in…
Joint Credit Card
My daughter has a poor credit rating due to the actions of her ex-husband. I want to help her rebuild her rating. Does anyone know of a credit card that can be taken out in her name and mine that will share the responsibility for the debt but will help her rebuild her credit rating. Any other suggestions would be…
MBNA unclear 0% interest rate
Hi, At the end of 2022, both myself and my wife took out credit cards with MBNA. Both cards were advertised as being 24 month interest free on purchases, which was perfect for our needs. In the first few months of use, we each either paid the full balance or more than the minimum payments and were charged no interest as…
Undecided
Hello, looking for help/advice. I have £2,500 in savings that I want to use to clear some debt on a credit card. I have 3 credit cards all at 0% interest. One card has £4,313.19, one has £8,021.00 and one has £2,732.40. The 0% interest on these cards, is due to end next year. The card with the highest outstanding balance…
Dumb credit card interest question
Hi everyone. I am really confused. I had a credit card balance of £10,008.92 on my 26 October statement. I then made payments to my card totalling £10,248.43 before the 20 November due date. I did incur new spending on the card after 26 October. However, I thought because I cleared the balance from 26 Oct statement in full…
Credit card debt
Can anyone offer any advise please, my daughter got a £7000 debt on a credit card, we need to move it as will now start paying interest. Can I take out a card and transfer the debt to it to start paying it off?
Credit Cards & Direct Debits (?)
Looking at Business credit cards currently. Would help our cashflow to be able to pay with Credit Card and pay off week by week once money hits our account which is 2-3 days after we get paid. However, 95% of our spend is with the same few suppliers, and all via Direct Debits on GoCardless, which is paid via Account Number…
Can one apply for a credit card if money is earned from abroad?
My sister’s husband works for a company based in Abu Dhabi ie earns in Dhirams. He wants to apply for a UK credit card. Is this possible, as he told me they asked for the company’s postcode and phone number and only gave uk options.
Debt problem
Struggling with quite a lot of debt on cards and overdrafts can’t see a way out of it 10,000 on credit cards and 3,000 on overdrafts everything just caught up all at once I don’t live a fantastic lifestyle just looks like I’m doing something wrong I work and the credit card bills are killing me just need to find a way of…
Credit Cards for Charities to Use
Hi all, I am the Executive Director (but not trustee) of a UK registered charity and I am exploring whether we can get a credit card. My charity does a lot of flight and accommodation bookings, so I am hoping that we can be rewarded for this spend. My initial searches for such a card on the web have not been fruitful –…
Pulse Credit Card Transfer
Can anyone help with a balance transfer! I have a Pulse Credit Card (formally Amazon) which I would like to do a balance transfer to a 0% credit card. Unfortunately I have applied to Sainsbury’s who have declined as they say they don’t accept balance transfers from Pulse?? Hard search! Has anyone done a balance transfer…
Section 75 with pre paid credit card
Hi, does anyone know if there are any prepaid credit cards that offer section 75? Thanks

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MSE News

Bank of England cuts base rate to 4.25% – here's what it means for your mortgage and savings
The base rate has been cut to 4.25% from 4.5% by the Bank of England. This rate is used by the central bank to charge other banks and lenders when they borrow money, so the move can impact mortgage and savings rates.
Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?
Fixed-rate mortgages continue to fall ahead of expected Base Rate cut – so do brokers think now is a good time to fix?
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further?
Martin Lewis: How to call your bank by dialling just three numbers
How to call your bank by dialling just three numbers… simply dial 1-5-9. Then you know it's legit. Watch MoneySavingExpert.com founder Martin Lewis' video below, which explains it. And please share – the more people know, the fewer will be scammed.
Martin Lewis: How to call your bank by dialling just three numbers – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.

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Credit cards

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