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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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Natwest reward card interest charge
Interested to know if anyone else are having the same issue as me with their Natwest credit card(reward card), we have used this card for many years with no issue, it is set up with a D/D monthly of full amount therefore no charges, but in the last two months we have been charged over £400 'interest' for no apparent…
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Additional cardholder unable to make purchases with Barclaycard due to online verification
It's bonkers. My other half is the main cardholder. In order to make an online purchase I need to either receive a code by text (OH mobile number, they can only have 1 mobile number for verification texts) or in the Barclaycard app (only main cardholders can log in so as an additional cardholder I can't use this). Going to…
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AMEX Eligibility - Cashback Everyday Credit Card
I've been thinking for a while that an AMEX card would be useful and we need to pay for our new sofa soon so I thought the introductory offer (5% cashback) would be helpful. I used the AMEX eligibility checker and it indicated a negative response. I think because the salary I entered was too low compared to the AMEX…
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Purchase Cards
I have two new credit cards for purchases, an M&S (about 12m) plus Lloyds (about 22m). I am just about to max them both out. Would I be right in thinking once I make the min payment for each of those cards I can then spend again on them to the limit and basically keep them maxed out till the interest free period ends? I…
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A company called Newday started a direct debit for £0, not sure why.
Hey everyone, Like the title says; a company called Newday has started a direct debit for £0.on my father's Barclays account. He received a text message and email from Barlcays which I then confirmed by looking at the direct debit on the banking app. The company seems to handle credit for businesses so I'm guessing it has…
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How long does it take to get a refund?
I used my Visa card to buy some goods from Asda on Saturday afternoon, 3:05pm total £75. I returned one item as it was priced wrong on the shelf. Returned £11 at 3:10pm. I have both receipts for the purchase and return. Both receipts say "payment approved", "Refund approved". On the same credit card number. Only the…
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Chargeback Advice
Hello All, In May 2022 I sucessfully submitted a chargeback via Tesco Credit Card (Mastercard) against a car hire company in Italy. The company wrongly billed me for damage I didn't create and I had photographic / email proof of this and the fact informed them. The claim was successful and the money refunded. I heard…
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Section 75 claim advise
Hello, Have timeline as below. I feel like the bank is going around in circles and putting the onus on me to reach a resolution. In brief sofa's delivered May 25 purchased from high street furniture store. Reported a fault by email and personal visit same day. That began a long process with no help from trader so made…
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Can we do this to switch to Amex Nectar and still get the new customer bonus?
Hey all, We've been using an Amex card for our standard spending for years (paying in full each month of course), and have noticed the cashback rate getting worse and worse as time goes on. Meanwhile we've just spotted the Amex Nectar card with its 20,000 point bonus for new customers and, as we do our grocery shop at…
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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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American Express (Amex) Preferred Rewards Gold
In the blurb about the benefits of this card it says that the £5k doesn't have to a cash spend but could be a balance transfer. Where does it say this in the Ts&Cs and also does a balance transfer not incure a fee of 3% which eats into the benefits?
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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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BT but not enough clearance
Hi looking for some advice please. Have £6500 on a credit card from a kitchen purchase. When I applied I requested £8k I think it was, but they gave me £6500. I'm coming to the end of the card's promo period and so wanted to BT. I picked HSBC from MSE long period deals, and the eligibility checks were fine. Card came…
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Lloyds - section 75
Hi, I ordered wall panels online and paid via my Lloyds Credit card. The panel I received was not the one shown on there website. I tried to return but the retailer said there will be £40 return charge. I contacted Lloyds and filed Section 75 case. Lloyds rang me and confirmed the item is not the same. They told me to…
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MBNA Balance Transfer and Tesco cashback question.
We do a lot of stoozing and avoid paying any interest by paying off the balance transfer in full before the end of the promotion period and by avoiding mixing purchases and balance transfers on the same card. I have an MBNA card that I used solely for a balance transfer and paid off in full about 2 years ago and haven't…
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Fraud
I had my bank account compromised and have just discovered from looking at my credit report that the fraudster has set up a credit card with Creation. I called their fraud line, but it’s closed for the Easter Holiday. Is this right?
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Argos Card balance transfer
Hi all, Has anyone had any success in doing a balance transfer with an Argos card ? According to Martin Lewis is it possible despite some comments below this video saying this information is incorrect. https://www.facebook.com/reel/7994540020602105 Has anyone done this before? Is a balance transfer possible? What bank did…
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Bank Card or Credit Card?
Many years ago it was safer to use a Credit Card for online purchasing. Is this still the case? ie am I more likely to get a refund with a credit card or a bank card? Or in 2026 is it likely the same cover exists for both? Thank you
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Credit Cards - Fees on Gift Cards
For the second time I have been charged a cash transaction fee on a Caffe Nero gift card. The first time the card company and vendor blamed each other so I decided to use a different card this time - with the same result. I called MBNA to query it - expecting them to blame Caffe Nero - but instead the representative…
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browser banking v mobile app
I needed to get into my nationwide mobile app account but for some reason the mobile app was down, but the browser version was apparently still working so I logged in, but was told to fully log in nationwide would need to send a verification notice to my mobile device ( the app ) but my app version was down ! so not much…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
