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Transferring funds from a PlusNet reward card
Hi all, I've recently signed up to plusnet and have been given a plusnet reward card. I'd rather have the 65 quid in my bank account to help pay off a 0% Overdraft I used to pay an unexpected demand for fees from my PhD. However I can't seem to find away to do it. The terms of the card say I can't withdraw cash from it at…
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Balance Transfer Credit Card - minimum payment 1% of balance
I hope someone can help. I have a credit card whose 0% offer is expiring in the next few days. I need to transfer the remaining balance (around £6500) on to a new Balance Transfer Credit Card. Currently the minimum payment is 1% of the balance, and I need a credit card that matches that. I got a long way through the…
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Balance Transfer card - does transfer have to happen when opening account?
Please can I ask a very quick and hopefully simple question about balance transfer cards. Im looking to transfer around £750 to a 0% balance transfer card and pay it off over around 6 months - in general, do you need to do a transfer during the application process or can you transfer afterwards? Ive done the eligibility…
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MBNA to Lloyds / Halifax Balance transfer
Possible or not as part of same group. Lloyds saying only not possible to other Lloyds cards ?
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Persistent Debt Discussion
Hi! This is the discussion thread for the Persistent Debt guide If you haven't already, join the forum to reply. Thanks! [purplesignup][/purplesignup]
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Credit Cards
Do you have one? If so what do you use it for? I use mine for fuel mainly for credit score rating but thinking do i really need one 🤔
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Transfer balance cards
Hello! Seeking advice for my friend 😊. Her husband and several credit cards, all have money owed on them but he’s being charged interest. He tried opening a balance transfer card to lighten the load of the interest but a quick check on the MSE checker showed he is ineligible to apply for one as he is retired on ill health.…
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Contact after chargeback
Hello, I recently purchased a device that arrived faulty. I contacted the seller to request a return, but instead of following their own terms and conditions they kept asking me to perform troubleshooting that I had already done and documented. A lengthy email exchange followed (over a few weeks), where they repeatedly…
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Merged: Having huge difficulty with trying to get a balance transfer
This discussion has been merged.
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Vanquis balance transfer card - not being able to balance transfer at application stage
I have a balance i need to transfer from another credit card. I applied for a balance transfer with HSBC but without going into details, its taking FOREVER and I dont even know if I'll be accepted, so I went back onto an eligibility calculator and saw i was pre approved with vanquis. I applied and the next day I got a…
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Bought a pram for my daughter's newborn baby, it's faulty, Section 75 rejected by MBNA (LBG)
At the end of June, as a gift for my daughter's baby and my first grandchild, I bought a pram bundle from retailer Mille and Ralph, I used my MBNA credit card for just under £1,000. The baby was born on 15 September 2025, within two weeks the wheels started to fall off - the pram was clearly dangerous and it went back for…
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Should I keep my Credit Cards open?
Hi there, hoping for some advice please. After years of credit card debt, I finally paid them all off this year - woohoo! :* I currently have several credit card accounts open as a result of multiple balance transfers throughout the year, but my balance is £0. My total credit limit is £42,100 spread across seven cards. All…
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Lloyd's ultra visa
Noticed the above on MSE Newsletter. 1% cashback on ALL spending (incl overseas) for a year. Applied for and approved last night. Saves me messing around buying certain things with Chase and others with Nationwide, and their respective cash back limits. Also keeps what I usually spend with those earning interest until due…
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first direct Classic Card statements disappear from the App
First Direct moved me from a Classic Card to a Credit Card on 5 November. They emailed to say "the only things that will change are physical card, card number and payment details". What they didn't say is all my statements have gone from the App. Six years of my spending history is now ... history! Has this happened to…
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Problem with balance transfer
So seeing if anyone has had this problem? ! Requested a balance transfer for my new credit card ( first direct) to clear the balance off my old credit card ( NatWest). Now this was done last Thursday and the balance on my new card is showing the balance I requested off my old one. Fast forward 8 days later and my old card…
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Difficulty with getting hsbc credit card
I dont know if anyone else has experienced difficulties in dealing with hsbc when trying to open a credit card - ive never had these issues with any other bank before. I applied for a balance transfer credit card on 19/11/25. On friday 21/11/25 I got a text message to say my application had been accepted and my credit…
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Possible to dispute these charges?
Hi there, I'll summarise my position... Halifax credit card balance 23/10: £125.39 Payment due date: 18/11/25 Refund from merchant (31/10): £111.16 Total amount outstanding: £14.23 I forgot to make my own payment, so at the 18/11 the amount outstanding was still £14.23. Credit card statement 23/11... Late payment charge…
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Vanquis Interest
Hey All, I'm a newbie, so thank you for taking time to read my post. I have a question, which may fall into the 'buyer beware category' but I hope the combined expertise here may answer the question. I took out a 0% balance transfer offer in the summer. I worked out my plan to pay off the balance in the allotted time frame…
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Best credit card solely for Section 75 protection
I do not have a great credit record, I got into a lot of debt many years ago and vowed to never get one again. However, I hear on consumer shows the value of Section 75 protection for purchases over £100 and below £30,000 so I am considering getting one just for that protection. Considering my lack of credit record except…
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Credit card reversal of Direct Debit
Hi All, I am writing on behalf of my wife. She has a credit card Virgin, and was paying it off on 0% regular payments. But last month ( September) she got a email saying that the payment had been missed please make minimum payment. Why the direct debit was cancelled on September we didn’t know we made the required payment…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Buying discounted gift cards with credit card by Nasqueron
1 April at 10:41AM
