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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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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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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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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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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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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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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…
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Balance transfer card or Interest free card
Hi, was wondering if someone could help. Is there a difference between a Balance transfer card and interest free card. My interest free card is about to expire and wasn't sure if I should pay it off or apply for a balance transfer card. My question is if I switch to a balance transfer card, can I use it to purchase items…
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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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Barclaycard rewards questions
Hello So I'm travelling to Europe next week and don't use my debit card at all for spending so ive disabled for International spending etc. I have a Barclaycard rewards card that I use for day to day spending but I cant see any card controls on the barclays app so I'm not sure if the spending controls on the debit card…
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Credit card direct debit cancelling
I'm selling my house and buying another, I've got a lot of equity, I have a mortgage ready and my mortgage company have put within my mortgage that when completion day comes my debts have to be paid off and my solicitor has to check that they are clear, my question is as I'm clearing off my credit cards they are due on the…
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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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Legit balance transfer flagged as fraud
I called NatWest to do 3 transfers for me over the phone. Later when I checked the app those transactions were being reversed, and I received a text message from the fraud team. I called them and said it was me calling the credit card service. They said it has to be escalated to another team, and told me to call again to…
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Help me to understand my credit card statement
previous balance 2137 Debits 556 Credits 269 New balance 2424 Transaction balance 955 Interest 10.05 I can’t even make interest plus credits plus debits come to 955. What am I missing? Please please shed some light on this. Last month’s statement had the same issue I think.
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Section 75 advice relating to a graphics card RMA.
I purchased a computer graphics card in November using my credit card; the card was £600, so above the threshold for section 75 cover. Unfortunately, on the 5th Feb, the card developed a fault during use. There was an electrical arc sound, and smoke came from the back of the card; the card still appeared to function. I was…
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M&S Data Breach Compensation
I received a text asking if I want to start a claim via. jointheclaim.co.uk I’m never sure about getting stung for charges with these firms if the claim fails so obviously a bit nervous about doing it.
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0% Credit Card purchasing options
Hi all, First post. Apologies in advance if this has been asked and answered elsewhere in an earlier thread. I am looking to apply for a 0% CC to make a purchase of an used car for my child. I am buying it from a private individual and was hoping to move the money from a new CC to him, I guess via a bank transfer or…
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Halifax Clarity card moving from MasterCard to Visa
I've had a Halifax Clarity card for many years, originally acquired for its cost-effective handling of transactions when abroad. One additional benefit I have perceived with this arrangement in the past is that it is on MasterCard, thus providing an alternative clearing infrastructure if Visa isn't working for some reason.…
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Halifax Clarity card change to Visa !
Hi All, Ive had Halifax Clarity cards for years for spending abroad cheaply, they have just changed my credit cards to Visa as it was Mastercard, with the clarity card there was no hidden charges but with the new Visa cards be aware there is a Foreign exchange loading of 2.95% and ATM withdrawls cost 5% ! So no longer…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Buying discounted gift cards with credit card by Nasqueron
1 April at 10:41AM
