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Credit cards

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

Looking to get my first credit card, advice much appreciated :)
Hi, I have fortunately never required a credit card over the years however time are getting hard, and I understand having a credit card could / would benefit me. I am in need of a new boiler, which is going to cost approx 3k. I have the cash to pay outright however.... 1) re-saving the approx 3k whilst know I can do this,…
credit balance on cancelled credit card
Due to the fiasco with Cambridge water being hacked, as a customer we have been given 12 month free access to a credit checking company. I discovered that I had a £20 credit balance on a Virgin Money from a credit card that was cancelled 10 years ago. I still have the same email, address, bank details and date of birth(!)…
Balance Transfers
Hi everyone, I'm doing my best to clear my credit card balances, and I make use of the 0% balance transfers on offer. I have a question... When I shift my balances to another 0% deal, when my current 0% period is ready to expire, is it better to close those accounts or leave them open? I will never use them again and have…
Giftcloud amazon voucher not received
Hi, I have applied and was successful for a santander credit card back in November and that was supposed to come with a £20 amazon voucher sent by giftcloud within 90 days. I have not received anything to date and the 90 days are almost up (1 week to go). Just wanted to see if there's anyone else that got this credit card…
BEWARE First Direct charge for donations to charity
First Direct charge for using your credit card to donate to charity.The count the donation as a cash advance, and charge a fee of 2.9% (or £3 minimum) and interest. I think this interest payment continues on your outstanding balance until it is cleared.
0% CREDIT CARD - WHY HAVE I BEEN CHARGED INTEREST?
Hello, Can somebody please help me? I had a Sainsbury's 0% credit card for 22 months and the 0% interest period ended in December. I paid the minimum payment every month including December then two days later I paid off the balance and closed the account. Today I have been sent a letter stating that I owe £1.10 which is…
How to get credit card repayments and debt down
Hello MSE'sMy brother has amassed a lot of credit card debt, almost £30k. Whilst he has a good income he is now struggling to make the minimum payments. His credit score is ok but not great (around 730), so not sure of likelihood of him being accepted for balance transfer cards. Is it worth him applying for a loan to…
Credit card V overdraft
I have a credit card debt of £4200 and a bank account overdraft of £500. My credit card is frozen and the interest is zero. Am I better off paying £100 per month off my credit card or £300 and use my overdraft? I am looking to paying off my credit card as soon as possible.
Zopa Credit Card and traveling
Has anyone used a Zopa Credit card while traveling? Thinking about using mine for an upcoming trip due to 0 fees (I think?) and seemingly better exchange rate than my Post Office Travel Money card. Thanks!
Balance Transfers / Cash Withdrawal
Hi, I am needing to make a bank transfer, which I don't have quite enough funds for I have a 12 month 0% balance transfer card, could I transfer to another card and make this card in credit and then withdraw cash from there? would I be charged fees and show a cash withdrawal on my credit report
Zable (Formally Level) Credit Card - Balance Transfer
Hi I just went to pay off my Zable card balance with another card as the rate is high on Zable and lower on the other. The app would not let me process this and customer services say that they do not allow balance transfers in or out. Is this legal?
Any way to top up spend on Amex?
Manufacture may not be the right word – given the insane Avios bonus on the BA PP card, I’m tempted to sign up but may not hit the £3000 spend limit. Is there a reliable way to “manufacture” spending to hit the £3000 goal without having to spend on stuff I wouldn’t normally? Eg a savings account that supports PayPal top…
s75 claim: part paid on credit card and part by bank transfer
This discussion was created from comments split from: Section 75 claim.
Cooperative Cashback credit card
What do people think of this one?
FT on reward credit cards
https://www.ft.com/content/0b3349c2-0019-43c3-85ec-fbc6bcbf86b5
118 118 Credit Card -new £12.00 late payment fee
Surprised they never made a charge for that in the first place I suppose their offer of "no fees" was very attractive. I like their card especially with no currency fees and having no fee for cash withdrawal is good for an emergency.
Transferring a loan to a 0% Credit card
With a loan that has around 36 months left, is it worth uplifting the loan to a 0% credit card (30 months)? 1. I know that 0% credit card offers will allow transfers between credit cards, but will they allow transfers between a loan company and a 0% credit card? 2. Will a debt on a credit card, rather than a loan effect my…
Sainsbury's balance transfer card/next store card
Hi, looking at getting a Sainsbury's 0% for 25 months to clear a next store card. On the application it states some store cards are not included. Does anyone know if you can balance transfer a Next store card?
Issues with transferring balance from Capital One card
As the title suggests, I'm having trouble transferring my current balance from my Capital One card to my new card (0% APR on balance transfers). The card has been suspended for a while as just been paying the minimum amount, so it won't let anything happen on the account except for payments. Because the transfer uses the…
Contactless bank cards
I was searching "I don't want a contactless card" about 4 days ago and found many many people asking the same thing including lots on this site. I did find an answer but could not reply as I had to sign up to this site which has taken days and note that I cannot post links to solutions until I have been active for some…

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