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New to the Credit Cards board? Start here
💳 Useful threads on this board * Best Balance Transfers Discussion Area 💳 Related content on MoneySavingExpert.com * Our main Credit Cards page * Our Getting your first credit card guide * The Credit Card Eligibility Calculator * Credit Club * Our American Express tips & tricks guide 💳 Other boards on this forum * Our…
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Virgin travel points
Hello, I recently returned from a family trip to Orlando and would love to be able to do it again. Currently we use an Amex Platinum rewards card for most of our spending and pay it off in full every month (usually £1500 to £2000) we have had it a few years and normally get about £300 back every year. I have just looked…
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Argos Pay
Please be gentle - this is my first post here, and I hope it's the right forum for this info. Argos have changed their credit service over the weekend and it's now called Argos Pay. I think they've changed/resold the credit to another provider and rebranded it. I've used their buy now pay later schemes over the years to…
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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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Lloyds credit card is unusable due to overzealous security algorithm
I am fortunate in that I have never been out of work or had any financial problems, and have an excellent credit history. That is not good enough for Lloyds whose automated security algorithms have twice stopped me from buying something with my Lloyds so-called 'Ultra' credit card, and then blocked the card. This is…
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Balance transfer for free credit
When talking about balance transfers, Martin always, relates it to having an existing debt at high rates. But why not use it to get free credit? Eg, a big purchase, say £5k - make it in e, listing card, then transfer to decent BT and have up to three years interest free credit, rather than using savings. Or am I missing…
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Lloyds Banking Group: BT & New Purchases.
Looks like good news for those who have a BT from 26 June 2026 you will be able to also use it for purchase. Used the correct way then the actual BT amount won't keep decreasing if matching the min payment with a purchase.
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MBNA Switch from Mastercard to Visa
I have an email from Lloyds telling me my MBNA card will be switched from Mastercard to Visa in the coming months. One of my reasons for having the MBNA card was the fact it is Mastercard, where all my other cards are visa. Having all eggs in one basket can be a risk, even if small. Also this used to be an affinity card,…
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Paying credit cards off with a debit card
I've received recent notifications from my Barclaycard and M&S credit cards they'll no lokge accept payment by debit card. Is there anything going on behind the scenes anyone knows about?
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Section 75 template letter
Hi, Does anyone know how I can download the Section 75 template letter. It should be on the below link under "Option 3: Use our template letter," but I don't see anything https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/#how Looks like the page may be corrupted? Or could be an issue at my end…
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Did the now-defunct Lending Standards Board provide anything useful and if so, who took that on?
I had never heard of the Lending Standards Board (LSB) until I read about them in a Santander T&C leaflet, which mentioned that they were leaving the LSB in July 2024. So I looked them up and found it was closed down last year, in October 2025. I read that they were focused mainly on small companies, but did they ever do…
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Regarding Credit Card Utilisation
Hello Everyone, Is it really necessary to keep credit card utilisation below a certain percentage of the overall limit even if the credit is paid in full every month? Thank you
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Amex points exchange
Hi have an amex card with 60000 points. Going to cancel it soon before fee is due. What's the best value way to transfer the points to I was thinking one of the travel partners ??? I know I can downgrade the card to a free one but I would rather apply for another one when a welcome offer comes up ?
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OTP's and 2 Factor Authentication problems
A bit of a long post but tying to highlight the difficulties experienced whilst abroad. We travel to see USA family every year for at least a month. Roaming and international charges being what they are now, I don’t use my UK mobile number but use a USA sim card for USA calls and data, and use WhatsApp calls and messaging…
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Expedia pending charges not removed after 30 days - help!
I'm at my wits end. I made 2 attempts to book a trip with Expedia (BA flights and a hotel package), using my M&S Mastercard. Both times, Expedia's website said failed attempt, try again. I tried for the 3rd time with Amex, all went through, holiday booked. I have since been and come back from the holiday. Meanwhile, the…
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Potential scam of a company and credit card won’t refund
Hi all I ordered some dresses from a company called Olvia Rose London. I paid a lot of money for what I received - cheap dresses which weren’t “luxury” as described. They didn’t fit so I wanted to return and get my money back. The website states 30 days money back guarantee but have a length return process - take pictures…
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Revolut pre paid card
Hi I have a Revolut pre paid card for travel. Just heard this is changing to bank account. I don't want another bank account does anybody know if these is any option to keep this pre paid card or do I need to close account. The MSE Website is still showing the option for this as a pre paid card
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Amex sign up bonus - who is wrong?
I signed up for the Amex Gold via MSE and got accepted on 2nd April 2026. The offer at the time was 40,000 points for £5,000 spend in six months, which is what is still showing now (offer end date 26th May 2026). This agrees with other sources like Head for Points which has a post about the 40,000 points from March 2026…
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What ins comps accept Amex?
Renewing both car and House insurance. Getting a bit fed up going throuth the comparison sites and quote only to get the the pay now bit to find AMEX not accepted. ( i am a Avios collector!) Is there a list on what companies take amex which will save me hours of useless backwards and forwards on the PC? Or does anyone have…
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Multiple section 75 claims
Hello I have just purchased a used car from a dealer. I'd had it a few days when I thought to check my spare key. I've never had a keyless start car before so wasn't initially worried when I was given one fob and one service key type key upon delivery. When I checked the service key, it does not fit my car. I've contacted…
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Balance transfers from Chase
I recently tried to do a balance transfer from Chase to Barclaycard. I had to call Barclaycard as every attempt to do it online failed. I was told that Barclaycard don't accept balance transfers from Chase. Just wondering if anyone has had a similar experience with Chase or know a credit card provider that does accept…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by ZeroSum
24 April at 6:12PM
