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Credit cards

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

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
Card transactions don’t add up to balance
MBNA credit cars Has anyone exported their months transactions to excel and found the balance is more than the total of transactions? Mine are £181 out. Speaking with them on their messages board they say it will be sorted this month- but I can’t see how it will as the transactions this month add up to the balance due.
Credit Card Statements Advice please
For security and so I'm never without a credit card if something goes wrong I have 2 credit cards and the system has worked well....so far. But now, one of my card providers has unilaterally decided to stop sending me paper statements, I'm not happy with this as I find them much easier to check & keep track of my spending.…
Business credit card with bad credit
I have a very poor credit history but am self employed. I am tackling the debt (ironically much quicker than I ever was employed as I earn much more now) but for now my credit history is still bad. I don't have any credit cards any more as part of my journey, however for work it would be very useful- I travel a lot as part…
Sense-check for 0% purchase card
Hi all. I'm pretty sure I've got this right but I would like some reassurance since it's my first time with doing this sort of thing. I recently successfully applied for the Nationwide Member credit card, specifically the All Rounder offer. It offers 0% on purchases and balance transfers for 15 months, as well as fee-free…
Nationwide credit card complaint
Owed 494.12 on my cc, paid it bar £25 the day I got the statement from NW. I assumed it would take the £25 anyway as my dd is set to that, and my Sainsbury’s cc does that, but it didn’t. No issues with that, as it was a misunderstanding n my part, however I disputed the 7.12 interest on a 25 quid debt. Lass I spoke to said…
Charge back - non refundable tickets
Hi, Sorry if wrong thread. Realised today that tickets have been booked for an event on a day we cannot go, I asked the venue if we could swap dates and they have said no. Would it be possible to do a charge back on my credit card? Event was over £70 and we absolutely cannot make the date. Thanks M x
First ever Credit Card at 51.
My partner has somehow managed to get to the age of 51 without a credit card or indeed any credit at all. We've just tried a soft application for the Barclay card and have been declined. She's joined the MSE Credit Club and her score is just in the excellent bracket. We currently rent and she's had no credit before so I…
NatWest 0% balance transfer 0% chance of approval
Hi, I was going to shift a balance but thought I would try the eligibility on here first. I wanted the Natwest card above 0% for 14 months then 24.9%. Oddly it says 0% chance of approval. Then below this card literally 10 other good 0% cards that are 100% pre approved. I have a great credit score, never defaulted, earn…
Best card for spending in USA
We are hoping to book Orlando next summer and I wanted a credit card for using out there. My current Halifax credit card is poor for fees and conversion rate. I plan to pay it off within a month or two at most coming back so could manage a higher rate? Any suggestions?
Vanquis OTP
Hi all.. been 3 week. Reset phone to factory settings as had problems. Update all download the app. When it says sending OTP via email, I do not received this. Also tried 3 different PC to access account on line. The OTP do not come through. I spoken to their IT department and did what they asked. They come to a conclusion…
Section 75
Hi I have looked at several pages but I am unsure where I stand. I have opened a Credit Agreement with Creation Finance on behalf of Curry's which has been signed and is opened in line with the Consumer Credit Act. This was opened to make a purchase but I have since bought something else on Buy Now Pay Later. My only…
0% Eligibility
Had a look through a few eligibility checkers recently and noticed they all give me a 0% chance of getting any cards, I feel a little confused by this as I currently have credit cards, three actually and paying them/managing them well so I’m confused as to why such a cold reply from these checkers, I do have defaults on my…

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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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