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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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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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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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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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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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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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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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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…
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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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Pre-approved but not eligible?
Hi everyone, I've been stoozing for a while and I'm planning on a balance transfer soon. I'm pre-approved for the Santander Long Term Balance Transfer card on the MSE credit club. However, looking at the terms of this card, it says you can only have one "Every day" card - and I already have one (the 12month no fee…
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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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Virgin Money Credit Card App - Still Working?
Mine will not open. Un/Re-install has made no difference, everything else on this phone seems OK. No other way to access this account. Just me? ETA - Android 16
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Zable not allowing balance transfer
I have a few debts which I’m trying to pay off, one being a Zable credit card and two store cards. I saw an offer in my Clearscore account for a 0% balance transfer credit card which I was accepted for. As I wasn’t able to use the balance transfer with the store cards, I paid them off with the Zable credit card and my plan…
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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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HSBC Visa credit card 2% cashback
HSBC emailed me today (1 May 2026) with an offer of 2% cashback when using my HSBC Visa credit card. It appears to be invite‑only, so it’s worth checking your junk folder just in case, as well as the HSBC app for any banner notifications. The eligibility criteria may vary between customers, so make sure to check the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: How to prove income for new CC applications when retiring using savings / UFPLS. by Nasqueron
5 May at 1:13PM
