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Balance transfer
Evening, I have a 9 month balance transfer offer from Vanquis. Took this and went to transfer a balance. Looked like this was successful but now it won’t me do any more and it was only £669 when my available limit is £2,000. I wanted to transfer at least one more balance from another card. It would only be £400. Do you…
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Barclaycard Rewards and Overseas
Hi, Just received my Barclaycard Rewards card based on the recommendations on this website: - No fees on spending or ATM withdrawals overseas - No interest on cash withdrawals if paid IN FULL - 0.25% cashback on most spending I'm trying to get my head around what I'll be charged if I use it abroad and I will be settling…
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Spending limit reduced from £3500 to £100
Barclaycard Platinum. Would this be because I rarely use the card? I have an Experian score of 999, only one other credit card (zero balance) and no debt or borrowing. Checking the app, it says I cannot increase my spending limit as it has been imposed or something like. Experian updates at the end of the month so I'll…
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Balance Transfer from my company's credit card to my personal credit card
I really need your help about balance transfer before I can apply a credit card for that purpose. I am a sole company director for a micro business company which is registered with the Company House. Currently I have been using my company's Capital on Tap credit card quite a lot. Therefore, I am planning to open a new…
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Santander Edge monthly fee increase
The Santander Edge credit card fees are going up to £4 a month. Not sure if this is just for new customers. Also the 2% cashback introductory offer is no more plus the £15 a month limit for cashback has been reduced to £10 https://www.santander.co.uk/personal/credit-cards/santander-edge-credit-card
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Paypal, Klarna buyer protection vs credit/debit card chargeback, which is best?
Hi everyone, I couldn't find definitive advice on the MSE website nor any existing forum threads which answer this, so please excuse me if they're there, I guess search engines aren't what they used to be. I know about S75 protection for purchases on credit cards over £100 (and below £30k?). This question is not about…
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Should I pay off this 0% card or try and roll it over to a new one?
Hi. Last year I bought a £20k car. £10k cash (trade in) and £10k on a 0% credit card. I've been paying it off at £300 a month, which is a little over the minimum amount. My question is, the 0% offer expires in October and I will still owe about £5500 on it. Do I pay it off (I have the cash to do so but it's sitting in a…
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Is 56 Days Interest Free Period a Scam
Hi, Can you experts help me understand one simple thing. I made a purchase last month on the MBNA credit card knowing that the Card T&C mentions that I have 56 days interest free period. I made the purchases on 21/06/25 of £4129 and 23/06 of £42. Statement was produced 25/06/25 I made a payment on 30/06 of £172 , 14/07 -…
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Tesco Credit Card gone "invalid" again!
Every year or two, my card seems to get worn out. I tap and it accepts the Clubcard bit but wants me to insert to actually pay. As soon as I insert it, the terminal comes up "Invalid Card" No, I haven't forgotten my PIN, the terminal throws an error immediately. No, the contacts are not dirty, No, I haven't got anywhere…
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Refund went to different bank
I recently made a credit card payment to RAC insurance for an amendment to my car insurance policy. However they overstated the addition premium and had to make a refund. They made the refund, but credited my default credit card account not the one I made the payment from. Is this likey to cause any problems, particularly…
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Chargeback issue JAJA
I have an issue with JAJA credit card, Key points are i made a purchase abroad on 13th of January, merchant couldn’t provide the service, note this was abroad, they communicated on WhatsApp stating they have refunded me and stated my card number etc etc, I thought they had refunded, they didn’t and gave me no replies…
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Best credit card for a holiday to Egypt?
Hi all, I asked a couple of years ago about a holiday to the US and got a great response. We are AI so hopefully not huge spends but would like to take £200 in cash and take a CC for extras and pay off in full when back. Just wondered if anyone has any recommendations? Thanks
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S75 claim on purchase from 2020
I bought an Eve mattress in 2020, which at the time came with a 10 year guarantee. I've been struggling with the mattress for a while, so today, I removed the washable cover only to discover that there is a huge tear in the foam that extends through all the different layers till it gets to the box springs. I don't really…
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Missed card repayments
Hi my question is how long do missed payments stay on your credit report and how long does it impact on your score? Context I managed to spend money on an old credit card (now cancelled) as the details were stored on my PC & I thought I was paying with my current card, also saved on there. I just didn't check my bills that…
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Auction Purchase Help Please
Having read chargeback and Section 75, please can I turn to the forum for help. In the terms, I cannot find "This does not affect your statutory rights" And.... The role of JP_Auctions : "Acts as an AGENT for the seller" !! Microwave purchased. Paid 9/7/2025. (By VISA) Delivered 14/7/2025 - Smashed/Dropped I contacted the…
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Refused a Credit Card but impeccable credit record on Experian
I have never defaulted on a payment for anything, have paid off mortgages, loans and all other bills, my credit card record is exemplary. Yet I have now been refused 2 applications for credit cards on line. Might this because I am now retired and my pension is below £15k a year? Im mystified. Any help or advice greatly…
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Credit Card debt management issues
Hi, if a credit card company end up referring you to a debt management company because you’re not able to meet minimum payments despite the fact they have stopped charges and interest …..what does the debt management company do exactly please? Will they be at my door asking for my car or tv or anything please? Or would…
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John Lewis New Day Credit Card
We have had a fraud claim on out account since May 2025, we have made 5 calls to try and get this resolved, spoken to 4 different Customer Service agents and everyone has told us a different procedure with no resolution 6 weeks later! The latest agent said the only way to try and get this resolved is for her to log a…
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Halifax zero balance transfer is a joke
I regard myself as quite savvy when it comes to zero% balance transfers I've had a Halifax credit card for some years which I used occasionally for purchases and always cleared balance. One of my other cards zero % offer was coming to a close and rather than clear the balance I decided to move it to a 12 month 0% transfer…
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Big purchase. Any credit cards out there with bonuses/cashback/vouchers/air miles etc?
As the title suggests really. About to undertake a Reno project on a house we're in the midst of purchasing... Some big and spenny things underway. Does anyone know of any credit cards that may give back for using them? Thanks in advance!
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: Lloyds 0% overdraft by pecunianonolet
29 September at 8:42PM
