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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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Spam Button
Hi Everyone Just a quick reminder for long term users and a heads up for new users: if you spot any genuine Spam on this board, could you all please hit the spam button - it helps the forum team deal with it much quicker if we all work together to get it bashed. Please don't reply to the spam as this will just keep it at…
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Cancelled a service paid by credit card but refund offered to my current account (what protection)
I'll try to make a long story short.. I contacted a very small company just over two weeks ago who provide a service as their product. Their service costs £600 initially and later another £400 for the second part. After an initial free consultation, my daughter paid the first payment over the phone with her Mastercard…
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Barclaycard Rewards
Just received email from Barclaycard We’re relaunching our Barclaycard Cashback Rewards service in the app and changing the name to Barclays Cashback Rewards. Keep an eye on your inbox for more news and updates soon. Wonder what other changes are in the pipeline beyond the name change ?
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Possible unauthorized transaction - charity donation
I've just noticed a small £2 card transaction to a charity on my statement. I only made one other transaction that day so I'm wondering if it's one of them where a charity donation has been added on at the point of sale and I've missed it? Just wondering where I stand legally. I did not press anything to add the donation,…
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Unexplained transactions on my Halifax Credit Card
I have a Halifax Credit Card used solely for the purposes of balance transfers. I've had it since 2022. I've never used it to purchase anything nor has it ever been linked to any online account or app. It is not a shared card. I keep it in my wallet. On Tue 7 Oct, a £10 transaction came out, appearing to go to "AMAZON",…
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New to Airline Reward Points
We're going to start saving points, probably towards upgrading flights to Australia in a few years. We plan to a get the Amex Gold for a year to start us off and then review the perks against second year fee to see if we keep that. We also plan to get the Avios Barclaycard to use where Amex isn't accepted. Looking at MSE…
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Refunds don’t count towards payments
Hidden in the small print, a refund to your credit card doesn't count as a payment, they still want your monthly payment. I had a refund of £700, which I (stupidly??) thought would count as a payment as it reduced my balance by same amount. I therefore missed my £10 minimum payment assuming they’d already had £700 that…
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Moved: Going to court?
This discussion has been moved.
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Sainsbury’s credit card transfer to NatWest
I have a Sainsbury’s credit card and have received various communications regarding the transfer to NatWest - I’ve received security info and activation codes from NatWest - l have registered for the app - I’ve had confirmation that my details have now transferred to NatWest but when logging in to the app the message says…
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Why does MSE warn against using Santander Edge?
Within MSE's 'Top cards for travelling abroad' guide, we can check if our card charges foreign transaction fees. Selecting 'Santander' gives the following warning: ! Beware using this card overseas. The resulting table highlights a field showing there is NO spending charge. Is the warning a mistake?
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Lloyds credit card swap
Hey, I've had my generic Lloyds credit card since 2010. I have a perfect payment history and excellent credit score, paying it in full every month, which means I'm not paying interest. I got a notification about the new Lloyds Ultra credit card, which has a decent cashback offer/perks, plus a lower APR. I'm pre-approved,…
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Barclays Credit card
I recently applied & was accepted for a Barclays credit card ( 24 months interest free ) through MSE site. I was looking to purchase some electronics. I purchase the goods without issue but before I have even received my first statement I receive a letter saying they are closing my account. I called up to find out why but…
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Lloyds Ultra credit card
I've been reading about this new cashback card - 1% unlimited for a year. But according to the eligibility calculator on the website I have zero chance of being approved - and so no link appears. How does this calculator work - I have £90,000 pensions and other income, zero mortgage, home owner? All other cashback cards…
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Dangers of BNPL
There is an article in yesterday's NY Times about the dangers of Buy Now Pay later. I know it is based on the American financial system but I am sure some of the tactics used by the BNPL companies will be universal. The comments are interesting, especially those ones where the article's author has replied to the comment. I…
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NatWest 0% credit card – no first payment taken despite DD being set up?
EDIT!!!!!!! I had misread the email, which I still think is a little misleading it meant I cannot add MORE balance to what I currently have Doh! Your offer to transfer a balance at 0% is about to end soon Credit Card account ending 2324 Hi all, Hoping someone can help or share if they’ve had a similar experience. I took…
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0% credit to earn interest on savings
Hello, We are about to purchase our new kitchen. We have been saving for a couple of years and have more than enough to buy it cash. However the savings are giving us a nice little return every month and we would like to keep it that way as long as possible. Could we use a 0% purchase credit card and repay every month…
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Moved: What do I do!
This discussion has been moved.
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Old Llloys TSB Duo Avios
Hi, I had tens of thousands of Avios points accrued since 1995 when Lloyds parted from TSB and replaced the Duo with the Cashback Credit Card. As a result my Avios points have vanished. I've spoken with Lloyds Customer Service in December last year who promised to resolve within 72 hours. Theey've done nothing since.I cant…
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Creation Curry’s Finance
Not sure if this is in the right place so apologies if not, but I’ve just applied for creation finance with curry’s did the eligible checker and it said yes and showed me a credit limit, anyways further in the application it asked for my passport for identity which I found strange as never had this before unless opening a…
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M & S Sparks Pay - does it still exist?
Apologies if this is the wrong place to ask. I can't access my M&S sparks pay account. The website has a notice I'l post below. I think I don't owe them anything but I've tried phoning the number twice and been in a queue for 30mins. The one time they answered and transferred between 3 staff that didn't understand my…
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Merged: Chargeback?
This discussion has been merged.
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
