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Credit cards

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

0% Balance Transfer period coming to an end. When to pay to avoid interest?
In May 2022, I made a balance transfer with my credit card provider, taking advantage of an 18 month interest-free period. I'll be reaching the end of this period in the next couple of months and wanted to figure out how late I can delay clearing the balance before accruing any interest. The specifics are as follows: 18…
1 day Late Vanquis Payment - will it show on credit file?
Hi all Hoping someone can settle my nerves on this. I have been in a bad situation with my credit over the years. I ran up a debt of around £25k, which was mostly paid off in full via StepChange a few years back. Since then, ive been on the long road to recovery. My credit file is a lot cleaner, and the final few defaults…
text obsolete please remove
text obsolete please remove
Contactless Limit
I have just found out that it is not possible to reduce the contactless limit on my Barclaycard Rewards Card. I am pensioner living alone and have a big supermarket at the end of my road. I shop frequently for fresh food, and I rarely make in person payments over £20. A £100 contactless limit seems bonkers to me. It is…
Barclaycard want more payment monthly
I have a barclaycard credit card and been classed as persistant debt for a good while now. I sent them an irresponsible lending letter which they didnt agree with. My minimum payment this month was £305.00 i have now recieved a letter and they looking me to pay 480 a month!! Help please
MBNA credit card closed
Hi, I have 2 MBNA credit cards and 1 Lloyds card. I receive a text message to say 1 of my MBNA card will be closed and the credit limit has been reduced from 18k to £75. Later I checked the mobile app and the letter stated the account will be closed in 2 months mainly because I have not used the card for over 1 year. The…
0% rate on credit card and further spending Barclaycard
Hi I have a query about my Barclaycard and seeking clarification please. I had two interest free balances from balance transfers, one ending in January 24 and the other ending in June 24. I then had an additional balance that I was paying interest on, which I then cleared to not accrue anymore interest. I then booked a…
JLP 39.9apr, Is there Lower Rate Cards
John Lewis Partnership Credit Card 0% interest on purchases for 6 months 39.9apr I guesss there could be Lower rate jlp Cards, is there any known holders that can confirm if jlp may offer Lower rate in future if I apply for this Card. thanks
Eligibility when unemployed
Hello All I would be grateful for some advice. I am currently unemployed (through sickness) but I do receive an "income" (critical illness insurance). I have two credit cards, one attracting interest per month of c£60. I pay off the balance in full on one and make in excess of the minimum payment on the other but, ideally,…
Dependants
My son is on PIP and universal credit. Lives at home. Aged 24. He pays me an amount every month towards bills/food from his benefits. It is not as much as rent and bills would be if he was on his own. I am applying to transfer my cc balance to a 0% deal. Would my son be classed as a dependant still or can I say no and…
CREDIT CARD/TRAVEL CARDS
I am going to Aus/NZ next year. I have never had a credit card before but plan to take one for emergencies. I will also take a separate card and have been told not to take my current debit card? Does anyone have advice as to which credit card to take. Can I have a temporary one linked to my account - I have a strong fear…
section 75/ chargeback claim for transaction under £100
Hi I have a transaction from a website whereby the item is defective. I've reported it to the website and they pretty much send back the same copy and pasted response obliging me to post it back at my own expense and then they'll refund the original payment (but not the postage fee). Considering I'd need to send it…
Visa Chargeback
Hi. Had a situation at the end of July whereby a car hire provider forced me to pay £500 for damage that was already noted on the car. Long story, but I had no choice as felt threatened. I have complained to Nationwide (card issuer) and have requested a chargeback. I appreciate that the claim must be initiated within 120…
Does section 75 apply when buying multiple items under a single order which together exceed £30k?
We are buying replacement windows and doors for our house. The total order cost will exceed £30k. However, each item on the order will be in the region of £900 to £2500. My understanding is that we will be protected for each item individually, rather than for the order as a whole, meaning we will not violate the £30k limit…
0% Balance Transfer Card - Paid off. Keep or Close ?
Paid off my 0% Balance Transfer Card. Should I use it as a Credit card with a high credit limit, but currently the rate stands at 25% apr changes with bank rate or should I cancel the card now. If I should need another 0% balance card in future.
Can chargebacks or Section 75s affect your credit rating negatively?
Just that really. If I issue either for a credit card or valid debit card, is there any scenario it can lower my credit rating? Is the worst case that you just don't get the money back? Thanks.
change of credit card repayment date - will this mean 2 payments?
Hi I have changed my credit card minimum payment direct debit from 10th to 28th of each month. The August Direct debit left my account on 10th this month. Payments will be taken on 28th from now on. Does this mean that I will pay on August 28th as well as the payment I have already made on Aug 10th, or will it be September…
Does a default count as total credit usage?
Got one defaulted credit card that I'm paying back bit by bit (going to start reducing this quicker from next month's payday as I'm getting some overtime at present and will throw more at it). The outstanding balance is around 75% of the limit i.e. £1200 of £1600. I got myself a new credit card back in January that had a…
Credit card / personal loan help
Hiya, In my younger years I racked up quite a bit of debt on credit cards - and got into a cycle of paying off the min while still using the cards. As a result they accounts were closed but I’m now in a much better position paying off more than the min each month / saving as well. But the question is would it better to get…
APR
Hello everyone. Please accept my apologies for being naïve however I really don't know what I'm doing I'm afraid. I'm looking to reduce my payments on 3 credit cards so looking at balance transfer. I'm looing at Nat West 28 months 0% however it says APR 23.9% which has confused me. Is the APR just for purchases? I don't…

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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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