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Credit cards

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

What would you do?
Hi, I was hoping some one smart about credit cards may be able to help me! I am currently selling my flat and there is a Section 20 for works on it. I will be covering this bill, putting the amount into a retainer to be used when the work is done. The original full quote was quite high and after contesting the leaseholders…
Avios Barclaycard is allowing a balance transfer, but how do I separate paying purchases in full?
So I would like to pay the minimum payment for the BT, but obviously would want to pay off any purchases I make in the meantime in full to avoid paying interest. But how do I set up the DD to do this?
My Solar install and Section 75
I had a solar installation fitted at my house, it wasn’t done very well and didn’t comply to regulations (both BS7671 and the MCS). I complained to the MCS (after the installer wasn’t very helpful) who forwarded my complaint to the NIEC as they investigate their complaints. I also complained to NatWest under section 75.…
Barclaycard claim under section 75
Hello everyone, I am wondering if there are other people trying to make a claim under section 75 and have experienced the same frustration as I am having. It has been months since I made the claim and Barclaycard has still not settled. Instead, they are asking for more information from me and ALL communications that I had…
Can you apply for credit card with same lender if you close previous card?
Hoping for some advice! I have had credit cards with most of the main lenders over the years - all but one are now paid off. However I now need a new 0% purchase card for some new larger items I need to pay for. Can I close some old credit cards and re-apply for new ones with the same lender? Would that negatively affect…
Post balance transfer
Hi, little lost here! I have transferred my credit card balance yesterday. It has cleared onto the new card today and my old card balance is showing as NIL. success! My query is what happens with my direct debit on my old card. The next one is due on Friday and is currently showing the full amount. I’m with Halifax for the…
Balance transfer card question
HI all If I have a credit card (0% spending) for say £7k and want to do a balance transfer what happens if the transfer amount is less than the original amount owing? Would the amount remaining on the 0% spending card continue as is or would the account be closed down meaning immediate payment? Thanks
Help! Zopa balance transfer
Hi all, Thanks for taking the time to read. My promotional period with Zopa is coming to an end. I saw a good deal for a sainsburys card to transfer my balance to. After having the card approved, it turns out they won’t process a balance transfer from Zopa! I had another credit card with capital one already so I thought I…
75% write off - Cabot. Statue barred soon
Hi I owed over £5k. The company then sold by debt to Cabot . After hounding me for years they reduced amount to £1250. I think this will be statue barred in December. However im thinking of my credit rating. Is it better to have 'settled ' rather than statue barred on my credit file?
Spending on cc and PayPal
I figured out I can pay it back with still leaving money over each month. Thanks
Amazon refund sent to defunct credit card account
Hello All, Amazon issued a refund for a returned, faulty iPad to the credit card account I had originally purchased the iPad with but which is now defunct. The credit card was with John Lewis who changed their banking providers from HSBC to New Day in autumn 2022 . As a result all J.Lewis card customers were issued with…
Barclaycard don't allow additional card if not "close family member" or at same address.
This morning I rang Barclaycard with a view to obtaining an additional card for my partner. I've had additional cardholders in the past with no problems. This time, they can't issue one as my partner doesn't live with me and they can only provide additional cards for "close family members". This never used to be the case…
If you're eligible on the credit checker...
...are you still guaranteed to be successful if you apply for the same card through top cashback? TIA
Uber
Are there any reward cards out there that I could earn points or cash with for using Uber?
Section 75 - Solar company lost MCS
In May 2022 I paid a deposit for a Solar install at £6000. The install took place on 30th June 2022. Two weeks after I placed the signed order, the installer lost their MCS accreditation but never informed any customers. After 10 months of broken promises about how they were getting back their MCS they went out of…
Amex declined too often - need a new credit card
My Amex card is not accepted by too many places so I am looking for a new or 2nd card. I did a search on MSE and nearly all the answers came back as AMEX cards...??? does anyone have any credit cards that they think are particularly worthwhile? I am not looking to transfera balance, I just want either rewards or cashback…
VM '23-'24 Latest Transfer Offer....
Removed. aks Deleted
Buying a car with a Money card and balance transfer card
Hey all, I’d like to know if anyone has already tried to buy a car with a money transfer card and tried to apply for a 0% balance transfer card before the end of the money card ends. Applying for a money transfer card should tell you if you’re qualifying to get the funds into your bank account but how to be sure that if…
Can I have x2 0% credit cards from the same lender?
I already have a 0% credit card with Virgin Money. I've just completed the eligibility calculator and I've been Pre-approved for another 0% credit card with Virgin Money over 12 months. Is it possible to have x2 0% credit cards from the same lender? Thanks in advance for any advice :smile:
Does being retired affect your chances of getting a new credit card?
Just wondered if people had faced rejection when applying for a new card because they said they were retired. Large income with good credit rating .

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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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Credit cards

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