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Zilch rewards
I use Zilch (mainly the Pay Now to get the rewards). I built up my rewards to just over £180 and used this to pay towards some internal doors (with the rest being paid over 6 weeks). When the doors were delivered they were the wrong size so I sent them back to Wickes for a refund. As they were delivered by 2 different…
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"Interest on cash" appearing on credit card
Hi, wonder if anyone knows the answer to this. Each payday in the run up to Christmas I purchase gift vouchers online for Christmas gifts from Voucher Store. I have used an ASDA Visa card, my Sainsburys Mastercard and Creation Everyday Mastercard since September. The Creation card is charging me each month "interest on…
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When is a department store not a department store (Santander 123 credit card)
I still have a Santander 123 credit card and to be fair I get enough cashback on it to more than cover the costs already so can't complain (1% supermarket, 2% department stores, 3% fuel). Checking recent statements I see I must have been spending around £20 a month in department stores as I get 40p cashback from the…
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MBNA credit card now okay for foreign transactions?
I noticed this statement in the updated T&Cs for MBNA credit cards: We’ve changed the name of the “non-sterling transaction fee” to “non-sterling purchase fee”, and we’ll no longer charge this when you use your card for cash transactions in a foreign currency. A cash transaction fee may still apply. It seems as though the…
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Mastercard users may be eligible for up to £70
https://www.bbc.co.uk/news/articles/c14kkjyrk20o am I reading this right ? Claim form here https://mastercardconsumerclaim.co.uk/ (Not live yet but soon will be) You could be eligible for up to £70 from the Mastercard settlement - even if you never used the provider Millions of Britons could receive up to £70 each…
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Tesco bank hard credit check
Hi, I have just been through the MSE CC eligibility calculator as after a balance transfer card. The results provided me 100% eligible on many cards so decided on Tesco, after going through the link and completing the application the credit limited suggested was £250, which based on my info is ridiculous, so obviously…
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Can you apply for a credit card with a bank you do not have a current account?
Can you apply for a credit card with a bank that you do NOT have a current account with? Is this standard? Have you done this yourself?
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Is this “stoozing”?
Barclay card are offering me a money transfer , 2.9% fee for 18 months 0%apr. what if I take £10k (well within my limit) and put it in a good performing ISA as seen on MSE? By my calculations, I should make some money and it would be easy to pay the £550 odds per month, or £500 and just pay another £1k before the end of…
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Unused credit and debit card fraud, how ?
In December 2023 I took out a new credit card with the single purpose of doing a 0% balance transfer to pay off some money. I have NEVER used this new credit card for any other transactions in person or online. In fact the card has never left the house since I received it, and has been hidden safely in a drawer. Yesterday…
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Virgin Money Offer
Anyone else got this, or is it because I haven't used the card for a while. Spend at least £10 three times in June and get £10 cashback
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PRA Group Threatening Letter over unknown creditcard debt
Hi everyone, Looking for any guidance here or would like to hear from anyone in a similar situation. I received a letter from PRA Group threatening me with court action for an unpaid debt of £4,000 they have bought from Barclaycard. I have never had a bank account or credit card with Barclaycard and completely unaware of…
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Can ‘Other Houshold income’ on CC application include adult children
Any help would be greatly appreciated. I’m applying for a new credit card. I lived with my adult daughter (she’ll soon be 20 years old and has no plans to move out any time soon), who contributes to bills, food shopping, etc. Can I therefore use her salary in the ‘other household income’ box on the application form?
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M&S Credit card - 42 unrecognised transactions
Anyone got any advice on dealing with M&S credit card? I have had 42 separate unrecognised transactions between 13th and 21st May 2025. They were all with Sainsbury's online - but strangely included seven credits to my account. Total charged to my card, less the credits is £3.5k. This all looks very odd as I can't see…
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Zable credit cards?
Not thinking about this, but it's something that popped up on Clearscore when browsing. Whilst it acts like a credit card, is it a sort of payday loan? Gives the impression that if you spend say £500 on the card, they'll then try and take the full £500 to pay the card off a few days after a statement is issued?
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Which retailers offer contactless cash at till (cash back) using Apple Pay with Amex, in the UK?
I have iPhone with Apple Wallet app, in which I have virtual Amex card and need to access cash with this, if possible, while my physical Amex card is damaged. I have made purchases using my Apple Wallet, with my Apple Pay and Amex, but have not found a retailer that does cash back at the till, unless I use my physical Amex…
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3D verification and Halifax Clarity
When I pay online with my Halifax Clarity credit card and if 3D verification is necessary, I am always taken to a page to receive a phone call where I have to enter a given code. Other family and friends however are asked to verify the transaction via their App. I travel a lot and although always have internet, I often do…
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Paying off a NEXT account- which type of credit card?
Hi! I want to clear my NEXT account; on their website under “ Balance Transfer “ they have a section which says that you can do a balance transfer by paying into their NatWest bank account. However , do I need a balance transfer or a purchase card to directly put money into an account? I’m thinking purchase? Scared to make…
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Which 0% credit card
I remembered i had a capital one card and tried to get a new one sent but they wanted me to write a letter and send id so i decided just to close it. I am left with bank accounts with nationwide and virgin and wondered which is best for a credit card? I am not transferring a balance i just would be good to have a long 0%…
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Barclaycard online login problem. Anyone else?
App no issues. trying to login online i just get "system error, you've been logged out for security, login again" - or thereabouts. anyone else? thanks.
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Why does credit score go down when utilising your limit?
My credit score has always been excellent. Checked it today and its dropped to good. Looking at the reasons why it was because i used 50% of my limit last month. I did as i was travelling so used my credit card alot. I paid this off the same day as my bill arrived. So whats the reason for being penalised for using half the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Are BT 0% offers usually on new cards? by kimwp
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