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Credit cards

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

Section 75 Question / Offer from Bank
Hi, We bought some garage doors and paid some of it on CC (to get the protection). Subsequently, we had some issues with them, and upon contacting the company, they have gone bust. The CC company (Sainbsburys Bank) asked for a report, which I got a local company to do, to quote to fix them, which equated to about 50% of…
Credit cards and auto-renewal of contracts
My husband took out a contract with Mcafee anti-virus software many years ago. He usually purchased a renewed contract at about half the price of the auto-renewal fee each year or so. This year he wanted to cancel it. He had a very late warning that it was due to auto-renew and he told them he didn't want it to. Despite…
Barclaycard VISA on google pay still no solution since 2018
I've used Curve Bank since 2016 and since 2018 to make payments to my Barclaycard VISA since 2018 as was the only way to achieve this. I write to Barclays every year around November and ask them when I will be able to use my VISA directly with Google wallet (Previously Google Pay) and they say each time this feature will…
Work expenses/ credit card/ building credit
Hi all I thought using a credit card to build credit would be a good idea as I am looking to buy for first time this year. I have not had a credit card before. Work expenses could amount to £500 ish a month. Rewards would be great but mainly looking to build up a credit score. What would everyone recommend please ? Thanks
Advice on credit card available limits
Hi everyone I’m after some advice on managing credit cards ive Recently payed all my debt off bar 1300 that will be gone in a few months since then my card providers have upped my credit limits to around 22k in total over 4 cards I’ve got a loan that’s being payed on time everytime and a very account with 3500 available…
Spotify charges on my Sainsbury's credit card - not mine ...
But sainsbury say I have to contact spotify and get a refund. I have no idea who's Spotify account I'm paying for, it isn't mine. I have never used my sainsbury card for that purpose. There doesn't seem an easy way to contact Spotify I've reported this as fraudulent activity to Sainsbury, how come the onus is on me to get…
Credit Card spend analysis (not 3rd party)
Hi, I was hoping that there might be someone out there that might be able to let me know whether there are any credit card companies that provide an analysis of spend by category during a date range (or last statement) or simply total spend / receipts since last statement. We make regular payments to pay off part of my…
0% balance transfer credit card on Mat leave!
Hi MSE community! I'm new here and looking for some recommendations, please :) I'm on maternity leave and going to get the government pay from February. To ease off the interests on my credit card, I would like to transfer the money I owe to a 0% balance transfer credit card. When applying, it does ask about my income and…
Virgin late payments
Hi, I have a direct debit set up with virgin money credit card. The due date was yesterday (sunday), it said I was late with my payment. The direct debit was due to go out of my account this morning (as it was a weekend) and did. It has showed up as a transaction for sunday on virgin. But the monthly statement generated on…
Transaction messages
Hi. I've been using a credit card that sends a text immediately a transaction is made. Apart from the obvious anti fraud value it made it incredible easy to do my monthly reconciliations when I got my statement. Also meant I didn't have to ask for a receipt every time. They've now raised the lower limit to £100 which makes…
Santander 2nd balance transfer
I have a Santander credit card with a 0% balance transfer on it until the end of September. Not long after I transferred this balance they increased my credit limit. Now they have offered me another 0% balance transfer until August 2025. Wanting to take advantage of this and utilising my increased credit limit, I wanted to…
Over payment
Good morning, On 24th December I paid off my credit card in full. On 2nd January they took the minimum payment. I’m now a few pounds in credit. Should I recall the direct debit? Am I going to be penalised for this? Any other advice? Thanks
Card clash: if you use contactless to travel, how do you organise your cards?
If you use contactless payment when travelling, how do you avoid card clash? Do you use RFID-blocking sleeves? Do you only carry one card with you when you go out? Do you take several cards but keep them in different places? Or do you use a virtual wallet on a mobile phone to pay instead?
Post Office - Capital One
How often does your Post Office credit card get reviewed for a credit limit increase this just a curiosity question really.
Unable to view my Barclaycard in the app
I've been facing an issue for quite a while where my Barclaycard credit card isn't showing up in the app. This is more of an issue now as I'd like to switch over to a different card, but based on chats with their support team, this is only possible via the app - which I'm unable to do because of this issue. Is anyone else…
What happens when promotional period is over?
Do they offer you another promotional period?? How long does that take?
Zopa
Twice I have tried to transfer my Zopa credit card balance to Barclays and Halifax and was told Zopa won't allow me to do so, the chat to an agent is very unhelpful and vague apart from stating that the banks are part of their NewDay providers that they dont allow transfers to be made to, please could you advise me as this…
End of 0% promotion
I have a Tesco Credit Card that’s interest free on purchases until March 4th Does it all have to cleared for that date or will it be from the statement date it’s needs to be paid to avoid interest
Barclaycard abroad
I used my Barclaycard freedom rewards and was charged a lot of fees about £20 total what did I do wrong
Capital One - paid on time but they say I missed a payment
My Capital One payment was due on 5 January (as per the bill which says payment is due on 5 January). I paid on 5 January through the app using a debit card. Today I have received an email saying that I missed a payment and have been charged £12. I checked my bank and the money for the payment left my account on 5 January.…

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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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