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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?
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Post Office - Capital One
How often does your Post Office credit card get reviewed for a credit limit increase this just a curiosity question really.
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Unable to view my Barclaycard in the app
I've been facing an issue for quite a while where my Barclaycard credit card isn't showing up in the app. This is more of an issue now as I'd like to switch over to a different card, but based on chats with their support team, this is only possible via the app - which I'm unable to do because of this issue. Is anyone else…
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What happens when promotional period is over?
Do they offer you another promotional period?? How long does that take?
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Zopa
Twice I have tried to transfer my Zopa credit card balance to Barclays and Halifax and was told Zopa won't allow me to do so, the chat to an agent is very unhelpful and vague apart from stating that the banks are part of their NewDay providers that they dont allow transfers to be made to, please could you advise me as this…
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End of 0% promotion
I have a Tesco Credit Card that’s interest free on purchases until March 4th Does it all have to cleared for that date or will it be from the statement date it’s needs to be paid to avoid interest
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Barclaycard abroad
I used my Barclaycard freedom rewards and was charged a lot of fees about £20 total what did I do wrong
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Capital One - paid on time but they say I missed a payment
My Capital One payment was due on 5 January (as per the bill which says payment is due on 5 January). I paid on 5 January through the app using a debit card. Today I have received an email saying that I missed a payment and have been charged £12. I checked my bank and the money for the payment left my account on 5 January.…
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Downgrading Barclays Avios Plus before choosing reward
I’ve reached the reward bonus (BA upgrade voucher or 7500 Avios) on the Barclays Avios Plus Mastercard. The £20 month fee is quite steep so I’m keen to downgrade to the Barclaycard Avios (free Mastercard) but haven’t yet chosen my reward as i don’t know whether I’ll accrue enough Avios in 2 years to really make the upgrade…
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Amazon seller....faulty product.... section 75
Hi. Hoping this is the right place to ask this question, if not can the admin please redirect the message to the correct forum? thanks I purchased a product through Amazon from a UK seller, I'm UK too, item arrived has been good for a few months then parts fell off and got lost so I contacted the seller (product no longer…
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Can I transfer the balance of a closed account?
I'm currently repaying the balance on a barclay card credit card which was closed last year (due to persistent debt or whatever they call it) Because of the interest I'm barely making a dent into what I have left to pay (paying as much as I can afford each month). I've since acquired a 0% balance transfer card with just…
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Balance Transfer Card - Tesco to HSBC?
Could anyone advise please if it is possible to transfer a credit card balance from Tesco to HSBC? The balance transfer offer on HSBC stipulates that you cannot transfer from another HSBC account however I can't find any reference as to which bank Tesco comes under. But there is a mention of HSBC on the paying in slip at…
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
