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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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MSE News: Chase user? You need to jump through new hoops to continue earning cashback on spending
If you use a Chase debit or credit card, you'll be able to earn 2% cashback on your spending from July – but to qualify for it, you need to meet new criteria from Monday 1 June. Here's how to ensure you don't miss out… Read the full story: https://www.moneysavingexpert.com/news/2026/6/chase-cashback-criteria-change/ If you…
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Barclaycard Rewards Card - ATM Cash Advances
Just looking for confirmation that I’m correct in believing that the Barclaycard Rewards Credit Card does not make a charge for Cash Withdrawals from ATM machines AND doesn’t charge interest until the end of the month, (ie they treat it as a normal transaction), so you can pay it off without interest. If that’s correct I’m…
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Credit card not showing on credit report
Hi all, After a bit of advice on the best way to correct something on my credit report. I have 2 credit cards, both with NatWest. One has a balance of about £5300 at 0% until Dec 2026 and a limit of £7,100. I use it for all my day to day spending and have the equivalent in savings ready to pay it off if and when needed.…
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My credit limit just increased 10x out of the blue.
I had a capital one credit card with a £500 limit and have had the card for about 4 years. I just used it to pay my monthly phone contract and paid it off in full each month to build credit. Never had any late payments or anything, today I just got an email from capital one telling me they're upping my credit limit to…
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Statement dates and balance payment
One month I bought a duvet and some bedlinen. I received a message saying I was over my credit limit. As I knew I had spent £600, and this was below my credit limit I had a panic, paid off the bill in full. In May I bought junior some birthday presents and wasn't billed in June. What had happened is payments from the…
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Closing an old card vs not
I currently have 2 credit cards (both 0%): Chase - NIL balance - £7k limit Tesco - £2k balance - £6k limit Should I close the Chase card as I'm not currently using it, and don't intend to in the future? I'm just thinking of chances of acceptance for a new one, when the Tesco card ends, as my credit utilisation will go up…
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RBS Credit Card statement date
A bit of a long shot, but has anyone opened a new RBS credit card recently? I’m trying to establish how soon after 1st use a statement will be produced. (I’m using full credit card payment DD on unused current ac I want to switch but would like to know how long it’s likely to be before payment is taken?)
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Klarna
I need to pay a company £250 it’s for a service not a shop on Klarna list, and was wondering if anyone knows can I use the Klarna debit card or credit card and use my Klarna balance to pay it, has anyone ever done it before any advice.
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Using A Credit Card For Safe Puchases Instead of Paypal
Thinking about getting a credit card to: (mainly) provide a way of getting my money back in case of dispute/scam earn points for purchases I usually use Paypal to purchase for reason (1), but having recently attempted a chargeback following a dispute with a seller, they immediately refused as it was past 30 days.…
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Halifax Clarity card moving from MasterCard to Visa
I've had a Halifax Clarity card for many years, originally acquired for its cost-effective handling of transactions when abroad. One additional benefit I have perceived with this arrangement in the past is that it is on MasterCard, thus providing an alternative clearing infrastructure if Visa isn't working for some reason.…
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Best Credit Card For Buyer Protection?
I am looking at a credit card purely for purchase protection (I do buy from reputable suppliers). This can be goods or services, so I mean chargebacks and section 75 refunds. Specifically one that is easy to deal with. I've not had any bad experiences, and don't need a card for delayed payments (cashback would be good…
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Santander 0% Credit Card offer
Just had an email from Santander offering 0% interest until end of December 2026 on my credit card purchases. Total balance to be paid in January or interest will be added. Sounds like to good an offer to refuse.
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New Santander 3% cashback card
Santander have launched a new credit card, paying up to 3% cashback, with no f/x or annual fees. Details at https://www.santander.co.uk/personal/credit-cards/santander-rewards-credit-card
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Serious issue with my Barclays Business Barclaycard.
I've run into a serious issue with my Barclays Business Barclaycard. For context, I've had a Barclays business account for around 25 years and a Barclays Business Barclaycard for roughly the same length of time. I don't use the card very often, but I have used it over the years for some larger purchases, flights, and…
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BT lack of offers
Are credit files ( hard searches) checked when offering BT? I've opened 3 CC of late for 0% purchases (M&S, Lloyds & RBS) all now maxed out, but now my BT offers have dried up (Natwest, HSBC & Barclays) where before I has having them every month.
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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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Transfer balance out then back
Im coming to the end of my virgin card balance transfer deal , I have another card which would be able to take the balance , I noticed that virgin is offering good deal for balance transfers to them Would I be able to move the balance out of virgin to the other card , then in maybe a weeks time move it back to take…
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Fake Card generators
There is any number of fake credit/debit card generator sites – that, supposedly allow you to create a fake card number to use on “dodgy” and “non dodgy” free trials etc I have never found one of these numbers that works….. I was wondering what the forum thought about doing this ? What is the legality of trying this ?
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How to fight back a Capital One decline ("details don't match") — not reapplying
Hi all, bit of a long one but I'd really value some opinions before I go further. I've been trying to open my first credit card just to build a file — small spend, well under 30% utilisation, paid off every month. No real need to borrow. I'm a disabled adult (autism) on benefits totalling around £32k a year, with Barclays…
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M&S credit card, Expedia problems
I recently signed up for an m&s credit card that is 0% interest for 25 months. I’ve got a limit of 6k and having been trying to book a holiday on Expedia for 1k, when booking the payment went through and then was reversed instantly. The card works with other merchants but seems to be a problem with Expedia and love…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.5K comments
Most recent: Amex is good-but be careful. by Emmia
9 June at 11:25PM
