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Credit cards

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

Failed JaJa security check
I have a Bank of Ireland (UK) credit card and noticed a transaction on it for Supercard to the value of £69.99 that I did not recognise. I phoned BOI passed their security, they looked at the transaction and told me I had to phone another number for their fraud department. This turned out to be JaJa finance who BOI now…
Virgin - card not renewed how bt
Tranx to Virgin 18 months ago 0% apr. Never used card other than that and bt rate due to end. Was about to bt elsewhere but cannot locate card. Called to get new card to get the number to transfer- was told card expired and wont be replaced. How can i now bt elsewhere as i cant get the card no from them?
Amex Shop Small
So Amex had their shop small offer this weekend whereby if you spend £15 in certain small shops, you get £5 back (up to a max of 3 shops). I used this offer 3 times over the weekend, but haven't got my cashback yet. Has anyone else received it? Or am I being too impatient?
Switching credit cards with same bank
I was thinking of switching from Barclaycard platinum to Barclaycard rewards due to the cash back and apparently a good travel card (I’m going on holiday next year) Will switching affect my credit report/score/history? I’m due to remortgage next year. Thanks
Halifax Clarity interest when withdrawing cash
I withdrew cash in a foreign currency with an ATM. At the end of the month I got my statement and had been charged interest on this transaction even though it's not time to pay. I always pay off when the payment is due at the end of the month and plan to this time as well. Is this interest a mistake? It seems illegal as I…
M&S Credit Card £40 M&S e-gift card offer - qualifying purchases?
https://www.marksandspencer.com/c/creditcard A £40 M&S e-gift card* just for you with the M&S Credit Card Shopping Plus Offer *Only new customers are eligible for this offer. £250 minimum spend across 5 or more qualifying purchases within the first 90 days. E-gift card will be received via email within 45 days of the…
Are MBNA playing with my credit rating?
I got an MBNA card to balance transfer to a while ago. The interest free period ends in February. I have been paying off 2.5-3.5 times the minimum payment. Not used it and never been late with a payment as I have a direct debit for the minimum and then make additional payments in between. I've just got a text from them to…
Balance transfer error
Just received a new credit card for which I forgot I had asked them to do a balance transfer and then the day later made a balance transfer myself from my old credit card. How can I get this resolved? Can I ask them to refund and which company would be able to do that for me, the original credit card or the new credit card…
Should I close redundant Credit Card Accounts?
Hi Everyone, Cant believe it's December already. Ok so my car has recently had alot of work done due to leaking coolant.... spent lots of money and finally advised coolant is still over pressurising and would cost alot to fix....car is old with alot of millage...... Currently trying to work out best option to purchase…
Amex Credit card sign up incentives question
Hi I a Amex British Airways Credit Card - if I was to cancel this card how long would I have to wait to qualify as a 'new customer' and get the joining incentive again ? I also have a Barclaycard Avios Credit card and wondered if I could cancel this too, to qualify for another incentive. tia sx
CARD PROTECTION PLAN ADVICE
Hello. I am trying to take out a policy that covers me for all cards like credit cards, debit cards, store cards, & everything else if they get lost or stolen. Many years ago I used Sentinel, we were happy with them, but there was some controversy although I see they are still in business. My friend recommended CPP. All…
How do I get my credit card refun?
Last year I paid for a stay at a Premier Inn using my John Lewis Credit card which at the time was managed by MBNA. However I had to cancel and was provided with a refund. The problem is that between my making the payment and the refund being processed John Lewis had changed their credit card to NewDay. Because Premier Inn…
Barclays won't reissue a 3 year old cheque
Barclays sent me a cheque 3 years ago as I had overpaid on my credit card. I put this aside and forgot about it due to Covid and have only recently come across it again. Of course my bank will not honour a cheque dated over 6 months. I phoned Barclays and they have said that they will not reissue the cheque as my credit…
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…

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MSE News

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.
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 Payments 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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