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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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Best Airline Credit Card for a newbie.
Hi all, I am looking to go and visit family over in Australia towards the end of next year. Obviously the price of flights are quite high. I am looking into the idea of applying for an Airline Credit card, use the points earnt on daily spending to help contribute towards the cost of the flights. It is my wife and daughter…
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Maximising Avios points
Hi everyone, I’m looking to refine my strategy for maximising Avios via credit card rewards. Currently, I use an Amex Premium Cashback card, but I’d like to switch to a new Amex to take advantage of a sign-up bonus. My understanding is that to qualify for a new member bonus, you must not have held a personal Amex card for…
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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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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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Paying a bill on 0% Card.
Am due to pay a large holiday balance fairly soon, does paying (Part of) a bill like this count as a “spend” on a 0% spend card and therefore allow me the interest free period ? many thanks.
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Amex refund of interest charges
Hello, good morning all First time poster! Would really value some input as my mind is currently blown. This is my debt situation:- Amex £18k Halifax £8k overdrafts £5k Amex wrote to me yesterday to say that they made a mistake with their raising of my credit card limit historically and the basis of their decisions to…
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Best Mastercard Credit Card for overseas use
I've had the Halifax Clarity credit card for years and use purely for overseas spending. Since moving from Mastercard to Visa recently, I'd now like to get a 2nd card for overseas use. I do have a Chase Debit Card as back up but would prefer a Credit Card too. Any recommendations?
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Section 75 with many parties involved
Hi, My son's school recently went into administration. We had paid for a school trip that is now not going ahead. Paid via Evolve which then pays the school. I just recevied a refund from Amex cc through section 75 (though dispute still open). Evolve contacted me today to ask me to retract the claim. I'm not sure what to…
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PROBLEM WITH VIRGIN 0% BALANCE TRANSFER CARD
Hi, I applied for a Virgin 0% balance transfer credit card with a 0% fee for the transfer itself. To be clear , I understand and have seen Virgin offer cards with various fees attached for the amount of the transfer ranging from 0% to 3%. I applied through the MSE website and it clearly stated on two different pages the…
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Mastercard app mystery £0 transactions
hello , Any idea what the heck is this ? Two £0 transactions on the same day , from TKMaxx? I have never used this card there. And only appears on the Mastercard app (hsbc rewards) . I contacted my bank and there is nothing on my statement
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Which credit card companies prioritise paying off interest bearing debt first?
I have checked online an I am eligible for 0% balance transfer cards, including many pre approved at HSBC, Tesco Bank, Santander, TSB and Virgin. Can anyone recommend a company where I can 0% BT and then continue to make purchases using the card and payments are allocated to the purchases first? I want to use it as an…
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Can I pay off car PCP with a 0% credit card?
Hello, we have a car on a PCP currently costing £300 per month, but the majority of this pays off interest. So far this year we've paid £1.12 off the capital! At the end of the term (June next year) the car is predicted to be worth approx £15000, but the outstanding finance amount will be £29000. We put £11000 deposit into…
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Santander Everyday Long Term Balance Transfer Credit Card
Am I right in reading correctly - there is no deadline to the 0% offer for 34 months - you can transfer at any time during the first 34 months? I don't seem to see a deadline to complete a transfer to get 0% like other cards do?
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Virtual Visa Debit cards - are they worth it?
Having been a member of Nielsen IQ for a long time, I have accrued quite a few points to convert. I have exchange points for Amazon vouchers in the past, but have noticed that you can also get a virtual visa debit card from them. This is shown as being acceptable at anywhere that accepts Visa debit cards. Before I go ahead…
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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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Lloyds Ultra Credit Card
Just seen that Lloyds have released a new Cashback CC with both no FX and 0.25% cashback. https://www.lloydsbank.com/credit-cards/ultra.html What are people's thoughts in comparison to the Barclaycard Rewards offering that is so often discussed around here?
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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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Capital one increasing limit restrictions
Hi, I have a capital one credit card with a limit of £450 which I am happy with as a pensioner. Recently I have been offered an increase to £1,200. I do not want a limit that high but would be happy with a lower limit of £600. I contacted capital one and asked them but they refused telling me that was the only offer on the…
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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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Capitol One took more than amount stated in email
I received an email on April 25th, after my April statement came out on the 9th, and they said they would take a payment of approx £150 from my bank on May 2. They didn't, they took approx £190, the amount on the statement of April 9th. I had money in my bank for the £150 payment after seeing their email, so my payment…
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: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by madbilly
14 May at 10:32PM
