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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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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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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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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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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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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…
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Virtual credit card
Hi, I want to make regular payments to a website (piano lessons) that charges in USD but doesn't use Paypal. My debit card doesn't handle foreign currency and I don't have a credit card. I'm thinking of a virtual credit card where I top it up to the required amount from my UK bank account in GBP just before the monthly…
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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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Warning John Lewis Credit Card is insecure
I've been left with no alternative but to warn others about how insecure the John Lewis Credit Card is. The card is operated by New Day so this could apply to other cards that New Day runs. When you register for the JL credit card they ask for a user name and suggest you use your email address, and they also ask for a 6…
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Cash Interest payments on Credit Cards
Hi, 👋 I’m a newbie to the Forum so please bear with me as I’m new to all this. I wonder if someone can explain how cash interest is calculated on credit cards please? I have a co-operative bank credit card that I’ve had for years and I always pay the balance off every month IN FULL so never incur interest. However, I seem…
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Minimum Payment rates
Hi All, just have a question relating to minimum payment rates. I need to pay for my Dad's funeral on a credit card. I am looking for a 0% one over a long period of course, but I also need one with low monthly repayments. A lot of the ones I have seen are 2.5% or £5. Do you know of any that have lower rates than this?…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: The valley of death - seek advice on 0% spending cards stoozing, offers drying up, what to do next? by surreysaver
27 February at 12:22AM
