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Mastercard Securecode - associated phone numbers
I may be being stupid but …. when I recently bought an item online I had to obtain a code. Two phone numbers were offered for receipt of the code , one of which was our old home number, this has been out of use for 12 months. HOW, can I remove this old number? The bank(s) concerned have been updated and the number no…
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Virgin Atlantic Reward+ card cancelling before anniversary
Hello....hope this makes sense. My anniversary date is the 14th August and I've got to spend £10k in order to receive a voucher and I know I'll definitely do that by mid April. I took the card out because I had just downsized property to my 'forever' home which needed major refurbishment work and new furniture & fittings…
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Barclaycard / Barclays IT issues
Hey all, Just had a declined regular payment notification from a subscription service I have, saying my Card was declined and I need to update my card details. All details are fine and current. I did some digging and find out that there was a major IT issue over the weekend apparently, impacting both Barclay Card and…
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Taking out multiple balance transfer cards at once?
Hey! For context my financial situation is improving after some bad health and missed payments and I finally have some balance transfer options open to me. I have opened one and transfered a small amount of my debt but can I open more that one (if approved) in quick succession to reduce interest paid? Or is that a bad idea…
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Merge balances or keep separate?
Hi, looking for some advice regarding 0% balance credit cards. I have a Barclaycard with a balance of £3053. I am paying £105 p/m and will clear the balance at approx June 2028 (before the 0% period ends). I also have an M&S credit card with a balance of c£1300. I pay £100 p/m and will clear the balance at approx February…
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What do I do? harge back paid but now the bank wants more evidence
At the beginning of January I made a dispute with a Chinese company for selling a CD player to me. I was unaware when ordering that it would be coming from China as the web page ending co.uk. I provided evidence the bank put the money back into my account three weeks ago but now the bank wants more evidence and they may…
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Virgin Money messed up my Direct Debit
Here's the updated question: **"I recently disputed a Direct Debit amendment with Virgin Money. On 12 January 2026, I updated my Direct Debit details, but the payment due on 15 February 2026 was processed using my old details, resulting in a missed payment and removal of my promotional rate. Virgin Money's response (letter…
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TSB 38 months BT
Hello is anyone actually eligible for the TSB 38 month BT?
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Balance Transfer
I have just paid off the large sum that was on my balance transfer card and closed the card. I am wondering how long it will take for the credit reference agencies to recognise this. I want to take out a new balance transfer card and presumably having this card still showing will affect what offers I get for a new card.…
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Credit card declined where is the issue?
Tried to book a flight with Jet2 and pay with my RBS mastercard. Transaction declined twice, Details checked second time and plenty of credit available. Not asked for otp authorisation code either time Paid with HSBC Visa asked for OTP code went through no issue. All 3 transactions couldn't have taken more than a couple of…
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paying overseas
Asking my bank to allow me to spend overseas e.g. paying a hotel bill once in America, my bank will add an 'overseas code' to allow me to do this. However they did mention, and i quote, ' theres a 50/50 chance your card will stick be blocked, but just phone us to unblock'. Now, that could be annoying with the time…
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Clearing the card balance
Martin Lewis is always repeating the mantra "PAY IT IN FULL" to avoid credit card interest. So what does "pay it in full" actually mean? Here's my scenario: In Nov I had a zero balance and spent £200 halfway through the month, so at the end of Nov I have £200 to pay. From what I understand, I have fifty-something days…
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Lloyds credit card
Just got one. My card has been blocked twice in less than one month!. For absolutely no reason!…? Overzealous fraud squad?… V unreliable as a result…😮 Oh and the first ime it happened when `I rang the fraud department all I got was auto reply!… Disappointing from such a large organisation…
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John Lewis credit card - rewards reducing
Not sure if other people are aware, points going to the basement floor. Was 1 point for £4 eleswhere. Now 1 point for £10 elsewhere. https://www.theguardian.com/business/2025/jun/07/john-lewis-points-credit-card-purchases
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Barclaycard Chat Service
Is anyone able to use the Barclaycard chat service? Every time I want to use it for something, I get a message saying it's not available while they are working on it. This has gone on for months. Their service status page says it's fine but I cannot use it online or via the app. A web form I used to send a message about…
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Santander credit card
I was scammed back in august 2018. And need a copy of this statement for the people who are trying to get my money back. After so many chats in Santander app I am getting nowhere. Has anyone else had this problem
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Fee free overseas spending: Barclaycard vs Clarity vs Monzo vs Revolut ?
Hello guys, Various debates on what card gives better FX rates. Over the last 14 years I have been using Post office (not the travelmoney but their credit card which isnt offered anymore i think) followed by Halifax clarity during 2019s followed by Barclaycard for overseas spending from 2023. I found that Barclaycard gave…
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How long before mortgage fixed-rate expiry to sort out (reduce) credit card usage?
I have a mortgage fixed-rate expiring in April 2027 (joint with my husband) I have been making full use of credit cards for spending and BTs etc, and for some reason my full credit available is over my annual income (about 120%); not sure why they let me but it did get us over some massive expenses. Have been paying it…
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Credit Card Minimum Payment
Hi, I have successfully transferred £7000 debt from Chase CC to my RBS CC with 0% interest for 12 months. Can I pay nothing for duration of 0% or do I need to pay minimum amount?
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Reclaiming flight cost back from credit card
Hi all Apologies if this is not the right section of the forum, but I am seeking some advice please. I booked a flight for a group of friends through myTrip. After booking, one of the passenger noted they use their middle name as their day to day name and I had booked the ticket in this name, rather than the true name on…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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Most recent: Is MBNA currently a fee free mule / money transfer card for new customers? by Nasqueron
23 April at 12:38PM
