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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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credit card debts and terminal brain cancer diagnosis help!
Hello, My husband has several credit cards but has just been diagnosed with terminal cancer. Is there any standard letters out there that I can send to get the interest stopped or attempt to write off the debt? We have no assets or estate, no life insurance etc. I am in the midst of applying for PIP housing benefit etc for…
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The best steps to deal with a Persistent Debt Letter
Hi, I have an cc limit of 8000 the interest rate is 44.83% My contractual minimum payment is 351.05 I havnt had a letter yet, but more of a warning letter re i might be getting near persistent debt. The last statement has a note on it saying " We may be adding a Recommended Extra Payment to your statement" I have never…
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Prepaid cards for a charity
Hi For years our charity has been using two Equals prepaid cards to purchase stuff abroad. We used Equals because they waived the fees for charities. Today they have ceased the waiver and will charge £25 per month. So please advise me on an alternative company which can provide two prepaid cards without such a huge fee. A…
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Section 75 Help - Fraudulent item
I bought a Tag Heuer watch as a gift in 2023 it was still under the original warranty and was bought from an online watch shop. It came with all warranty documents, all the tags, stickers the works. The warranty also was registered with tag confirmed on their now defunct (because it was worthless) warranty checker. It was…
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Transferred balance, should I reduce credit limit?
Hi, I've just applied and been accepted for a zero per cent (Virgin) balance transfer card, transferring £8000 and leaving my existing (MBNA) card with next to nothing on it. I'd like to keep that existing MBNA card for day to day purchases, leaving the balance transfer Virgin card with only the zero per cent balance to be…
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Reducing credit limits
I had a search on this topic and I found answers from a decade or more ago, so thought I’d seek an up to date view. i have two credit cards , an Amex with a limit of £38,000 and a Mastercard with a limit of £50,000. I had these high limits back when the Inland revenue allowed you to pay your tax bill with a personal credit…
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Unrecognised charge pending on Virgin card?!
I have a Virgin card with a 0% balance of £7,000 on it; I don’t often spend on it. Today I’ve looked at my account and there is a charge of £500 pending on it - I can’t see what it is for but can see it has taken the total owing to £7.5k How do I go about sorting this? I’m really panicking! The card is in my possession; I…
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Filter and sort options in the mse credit club?
Is there any way to sort and filter the available credit cards in the eligibility calculator?
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Mastercard Consumer Claim refund - Merricks Vs Mastercard
So it was many months ago that Martin made people aware of Mastercard having to refund many of its customers. Martin then broadcast a link for the refunds… MasterCard Consumer Claim - Home This website has been sitting like this for well over 6 months now, with the website saying " Official information on how to claim will…
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Halifax Clarity Credit Card change from Mastercard to Visa
Hi, I received a new Clarity Credit Card in the post. My previous one was still in date - noticed change from Visa to Mastercard and wondered why. It never mentioned anything in the letter. Below is an AI summary why the change happened. AI Overview Yes, Halifax is currently migrating its credit cards, including the…
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Managing old Credit cards
I need a little advice on which account to keep open and when to close. I bank with Lloyd's mainly and have a Barclays account. I have 4 credit cards with varying limits. I just took out 2 new cards to balance transfer from 2 existing cards where the zero interest has ended. Shall I close the cards now? I'm thinking in 24…
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Tesco Bank Credit Card asking for more information
I applied for a Tesco Bank credit card to move some debt. However, they only said we may lend you this amount and we'll let you know in a few days. I found this odd as they already ran a credit check and that's usually enough. They messaged back 2 days later and requested bank statements, payslips, or a P60 dated within…
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Paypal Credit
B and Q would not accept payment from my Paypal account using the credit account. I had to select their Paypal credit option at checkout for the payment to be accepted. Why do B and Q need to know what Paypal method I am using? I have not had this experience with other sellers.
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On disability benefits but need a credit card
Hello, Im needing to make a purchase of approximately £1000 but I am disabled and myself and my partner get Universal Credit and I get PIP. I’m trying to look into credit cards but I’m getting myself tied up in knots, is it possible to get a credit card on benefits and if so which ones are likely to accept me? I have a…
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Trying to transfer a balance from my Nat West Sainsburys credit card to my Halifax credit card
I have been trying to transfer a balance but it won't go through. Tried ringing Halifax and they said they were having a problem with the Nat West Sainsburys transfers and hoped to rectify it, It still won't go through. Is Nat West part of the Halifax group and this is why it won't go through does anyone know? Many thanks
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Money transfer query
Hi Likely a silly question so apologies in advance. My 0% credit card is coming to an end. I somehow have great credit right now and want to do a money transfer rather than bank transfer as I have a small amount owed elsewhere that I'd like to clear too. Having the money, then paying off both works best for my brain.…
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Refund error
A company have given me 2 refunds to my credit card instead of 1. 1 for the correct amount and one for more. They are both pending at the moment. If they both clear I intend to let the company know what they have done. The issue is the existing debit on my card at the moment is 0% interest which I intend to pay off before…
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MBNA, Lloyds and Halifax credit card increasing std interest rate.
I have all three credit card issued by the above brands and always pay off balance so never pay any interest charges. However in the last few days they have advised me the std rate is being increased from 22 to 25 percent effective from 14 May. However they have given me the chance to swap credit cards and the std apr…
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Halifax moving from Mastercard to Visa
Anyone else got the email to inform them their credit card is moving from Mastercard to Visa? I have a Clarity credit card as I get free foreign transactions, which I thought was just a mastercard thing. It doesnt really say if this will still apply when switching to Visa, and even Halifax helpdesk werent sure when I spoke…
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Stopping card for one non-payment
I recently started using my Nationwide credit card, following fraudulent use of my other credit card. I have held it for many years, and have been a customer for over 40 years. In the mayhem of Christmas I missed a paymnet on the balance of ca£100. I always pay off in full. My card then started being refused. After three…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
