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Credit cards

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

Pitfalls using 0% Credit as a loan when you have the funds
We are about to embark on a DIY project and have £70k in cash funds. I'm currently getting almost 5% return on that cash. So I though for a few of the major purchases like the kitchen (12k) and Tiles (3k) where I am purchasing those items from a business that I could use a 0% 12-20 month credit card and then use the funds…
HSBC have "lost" my credit card repayment
Hi I made my first repayment back on my HSBC Visa credit card. As I don't bank with them I verified the whole repayment process and was given a HSBC account and sort code (I should add a legitimate account and not a scam) into which repayments were to be made. Ive just received a reminder to make the minimum repayment…
western union Transaction taking a long time
I made a transfer from a UK credit card to UK bank account and the transfer has been in progress for 4 days. Is this normal? How long should it take?
Natwest Credit Cards
Last week Martin recommended the Natwest balance transfer cards and as a Natwest customer they were of interest, and I thus tried to apply as the soft search gave me prior approval. However the problem came when I actually applied for real. They use a system provided by a company called Hooyu to check your ID (even for…
Balance transfer Virgin money CC to MBNA
I’m considering changing to a MBNA balance transfer credit card. Am I able to move my balance on virgin money CC to MBNA CC? I want to make sure they are not in the same group and therefore if the transfer would ok in terms of the T&Cs. thanks
Default Notice
My former partner's mail is still arriving at our jointly owned property. I have been writing "no longer at this address" and putting back in the post box but unfortunately this weekend one of his letters was opened by mistake. It basically states that he needs to pay £1584.81 by 19 January 2024 or the default notice will…
Virgin money CC 13 month interest free purchases offer - removed on latest statement for no reason?
My elderly mother took out a Virgin money credit card in October which offered interest free purchases for the first 13 months of her account - so any purchases should incur no interest until November 2024. This was to make a large purchase to spread the cost. This was showing on her November credit card statement as a…
HSBC
Evening all Interested in peoples initial starting limits with HSBC cards of late for those who have applied, I know it may vary but gauging opinions and experiences
Caught out by cash-like transaction fees
As in the title, just been charged a fee and interest for buying a gift top up for my friend's son's Go Henry card with my Halifax credit card. I'm sure I've used my AMEX in the past for this with no charges. My bad, I should have checked the terms and conditions. Going forward though, I want to check if I would get…
Nat West 0% credit card application - given a different card
I recently applied for the Nat West 0% credit card with a 14 month repayment time and no transfer fee, and was accepted. When I called yesterday to do a balance transfer it turns out I was given the longer time period with a fee of around 3%. I am 99.9% sure I didn't apply for that one (and of course I should have scrolled…
Section 75 eligibility.
Hi. My son is buying a car. He does not have a credit card. If my husband pays the deposit on our credit card or even all of it on our credit card does this invalidate Section 75 protection? The car will be registered and insured in son’s name at the point of purchase. Thank you.
Salary - Credit Limit ratio
Have a general question on salary vs total credit limit. My annual salary is approx. £86K with a total credit card limit of £120k across my 5 credit cards. My utilisation is low as I usually cleared the balance right away. No issue with my credit score but new card applications were declined most of the time lately (trying…
Natwest 0% balance transfer card - cant get past digital login step - HELP
Hi there, I'm trying to apply for a card that gives me 0% on balance transfer with 0% fee the only ones that seem to be available are Natwest (or sister companies), Barclaycard or Santander, the cards I want to transfer from are Barclays and Santander so those are ruled out. So i tried with Natwest, when I got to the…
Credit card eligibility checker 3 year rule
Hi guys, I moved to the UK 4~5 months ago and am planning to apply for a credit card. I do not have a credit history, so the chances are super low. I have a full-time job with a salary of more than 100k. Many eligibility checkers only accept applicants with more than 3 years of address in the UK, e.g., AMEX. Then, I cannot…
0% Balance Transfer - Payment Allocation
I have a credit card with £1500 @ 0% offer which is due to expire 1st February 2024. There are no other purchases or transfers at higher % rates on this card at present. Yesterday, I transferred a balance of £7000 onto this same credit card from a different credit card @ 0% until 1st January 2026. The transfer was made…
When is it you actually over the credit card limit??
Is it pending? Post on transaction? Or on statement date?
Balance transfer - help needed.
Hi, I have a few questions regarding the best way to transfer my existing balance to a new card, which I have never done before. I have a £4900 debt on my Virgin Money card, my latest statement has 2 different end dates on it for my 0% promotional rates. The statement reads: £78 for Transfer Balances/Fees which ends on…
Capital One Manual Payment Question
Up until recently have been paying my capital one credit card balance by monthly direct debit. However this had become annoying, as it takes several working days from the direct debit being taken, to the funds being available for use. I called customer services earlier and they informed me that if you do a direct transfer…
NatWest Balance Transfer Card Application Rejected
This morning I applied for the NatWest Balance Transfer Card, the eligiblity checked said I was approved with a £7200 balance, and then proceeded to full application which was rejected with no explanation. I have around £4000 on existing credit cards, which I was planning on transferring to this one, but an available…
Advice Needed - Clearing Credit Card Debt with Balance Transfers
Hi, for the past year I've been trying to clear off my credit card debt that was built up during the first couple of years in Covid. I'm 37 years old and only ever took out a credit card during that time so I'm not very savvy in terms of how to manage and clear the cards properly avoiding paying too much interest. So far I…

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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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