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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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M&S threatening letter saying account will be closed- overdue payment 0.00 (yes ZERO)
Hi M&S sent be a threating to close my account in 14 days if I don't pay an overdue amount of "0.00" yes ZERO. It doesn't fill me with confidence with HSBC takeover! I have tried calling them but hard to get through and the app is horrible, AI garbage responses. Shall I leave it or risk an account closure and ruined credit…
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Grace period and repaying credit cards after interest was triggered
I'd like to confirm my understanding with some of you who are more knowladgeable. Example: statement shows 1000 GBP total, out of which 50 GBP is interest from not paying previous statement by due date 2 days after statement is produced i make another purchase of 100 GBP (balance now 1100) 2 days later (4 days after…
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PayPal Credit will mark my credit report if I query a transaction?
Hi, I ordered something online from a company with a co.uk website and all seemed fine initially. I paid on PayPal Credit. Subsequently I received an email which suggested the item was shipping from China. Alarms range and on further investigation I have discovered many threads of various sites about this company providing…
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Nationwide CC
Anyone have personal experience of how long it takes after being approved? (I've read what's on their website and email).
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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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Retailer has still not refunded me : Section 75 claim?
Hi all, (Apols this is a long one! TLDR at the end) I bought a mattress from a well known company about four years ago. Mattress developed a dip in the middle so I contacted them (as I had a 10 year guarantee) and they agreed it was a defect and offered me a refund. So far so good Since that time I have had to : (a) Prove…
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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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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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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…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
