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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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Pending transactions
Are there any credit cards that allow you to pay pending transactions on the payment due date? We use our credit card a lot and always pay the credit card balance rather than the statement balance each month. This seems to cause some confusion however because the previous month's pending transactions are added on to the…
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No Credit history, new job, 90% application turned down, worth applying again yet?
I have an excellent credit rating on experian, but havent had any credit for 10 years+, and started a new job this year after months unemployed. So I applied for the MSE 90% certain HSBC card but got turned down. I dont need a card immediately, but is it worth applying for another one yet? Does applying again lessen my…
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Please help! RE: Section 75
We've made a large purchase towards building a home, with the deposit on credit card (would all have been on credit card if we had enough of a limit) The company has gone bust. The total was over £30,000. Martin Lewis's advices this means section 75 does not apply and to use a chargeback, we can't do that as the invoice…
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Who still makes embossed credit cards?
As per the title really. I've booked a hire in the USA and the T&Cs state that I will need an embossed credit card when i collect the car. I know it seems ridiculous but I've been stung by ridiculous hire car rules before. I'm happy to apply for a new credit card just for this purpose. I have a Virgin Money credit card and…
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Santander Balance Transfer
Hi, just looking for a bit of advice if anyone knows or has been in a similar situation. I just applied for the Santander Everyday Long Term Balance Transfer Credit Card to transfer a Lloyds Credit card of around £3.5k and an American Express of around £4k into one monthly payment. I checked Experian and I was 95% chance…
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Section 75 MBNA Email Address
Hello does anyone have an email address for section 75 claims at MBNA UK? Thanks.
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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…
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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…
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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…
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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
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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
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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?
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 kimwp
5 August at 9:57AM
