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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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Spam Button
Hi Everyone Just a quick reminder for long term users and a heads up for new users: if you spot any genuine Spam on this board, could you all please hit the spam button - it helps the forum team deal with it much quicker if we all work together to get it bashed. Please don't reply to the spam as this will just keep it at…
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Car hire using non embossed CC
Hi all I u derogando that some car hire companies in Italy are insisting that Credit cards have embossed numbers and name on the credit card used for excess. Anyone know if this is true as a lot of banks don’t issue them embossed anymore.
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Best credit cards that have instant spending notifications
Hi Which credit cards have instant spending notifications. Please help me! Thanks, DevonRiz123
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John Lewis Credit Card Interest
Hi there, new here so please forgive me if I am repeating someone else. I have a John Lewis (new day) card and use it to the tune of approximately £2k every month for all our expenses. I also pay in full every month. However, the past 2 months I underpaid by a few pounds as I am recovering from a large operation and…
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Section 75 claim for split consumer/business payment
I bought a car which turned out to be a bit of a lemon and not as described on several counts. I paid the deposit on my personal credit card and the balance by direct bank transfer from a business account; the car was to be owned by the business and I will use it as a company car with BIK payments due etc. Given that the…
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Mistakenly in Applying for Credit Card to Pay Off Paypal Credit - Some Questions
Hi, I am trying to get my finances in order before hopefully buying a house next year. This morning, my credit rating was listed as 'Fair'. I just applied for a 0% interest balance transfer for 20 months credit card with Barclays via Credit Karma, and requested a £1900 limit. I was approved and given a (terrifying!) £6500…
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Nationwide increasing credit card interest rate by 50%
Ouch, I have just received a letter from Nationwide saying that they are increasing my credit card interest rate by a whopping 50%. I have a members-only card that I have had for a good number of years, and until now it was charging a fair and not unreasonable interest rate of 9.9%, which was perfectly reasonable for the…
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Minimum payment not clearing
Hello, I opened a Santander edge up credit card recently for day to day spending as there is 2% cash back. I got the first statement on 15th March, paid it that day and got my cash back. I checked today and the payment shows, my current balance is less but there is still a minimum payment showing by 10Th April. If I click…
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Tesco Credit Card payment
My last month Tesco Credit card bill was £858.00. I received a refund of £150.00 relating to previous statement. Do I still need to pay the full £858 or will be minus of £150. £708 to pay? Just making I don't get charged interest on next statement. I know Barclaycard allows refunds and takes that off as payment. I am not…
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Transferring funds from a PlusNet reward card
Hi all, I've recently signed up to plusnet and have been given a plusnet reward card. I'd rather have the 65 quid in my bank account to help pay off a 0% Overdraft I used to pay an unexpected demand for fees from my PhD. However I can't seem to find away to do it. The terms of the card say I can't withdraw cash from it at…
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Santander Edge Credit Card 2% Cashback
I've just received and started using my Edge credit card. Is there any way to see a running total of Cashback earned? I've looked in the app and online but can't see anything. I'd like to know when I reach the £15 maximum so I can use my Chase account for the rest of the month.
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0% loan off two credit cards
Ok bare with me here...... So RBS or NatWest offer a 0% fee free card for 13 months and MBNA offer a money transfer for 0% fee. So if you money transfer from MBNA into your account and then balance transfer from RBS or NatWest to MBNA you will get a "loan" for 0% for 13 months. Hope this helps someone
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Fraud on a card I have never used - Barclaycard
Hello, Woke up this morning to repeated calls and texts from Barclaycard as they have blocked a transaction of £2300 on my card and they wanted to confirm this was me. Explained it wasn't, no money had gone from my account, and organised my replacement card. My question is however, as Barclays couldn't answer, is How did…
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Aged Debt 2009
Capital Finacial and Linked Finacial are still chasing me for an aged dept from 2009. There is no court order and they keep writing to anyone with my surname at adresses I've lived at since then. I still keep getting letters and phone calls and texts asking me to get in touch. I ignore them. My exwife just got a letter at…
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HSBC mastercard rewards issue
Today I received my new card, but I don't quite understand these rewards things. First of all I went online to register my card with the rewards webpage HSBC tells you to, it wouldn't let me register , Next I downloaded the rewards app and that was fine, I was able to register my card on the app but I only see a bunch of…
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Switch Guarantee affecting my Credit Score
Hello, I recently used the Swith Guarantee offered by a bank to transfer my direct debits (dd) and balance from my old account to my new account. However, as I switch banks so infrequently, I didn't realise that this would reduce my credit score by 50 points. Is there an easy way of retaining my credit history with the old…
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Section 75 Credit Claim for damaged brand new watch
I just received a new old stock Breilting Chronomat watch which I bought from the website of a jewellers in Knightsbridge, London. It cost £3975 and I paid for it in full by credit card. There is a noticable dent in the case: I have contacted some local companies that I've used before for quotes to repair. I contacted the…
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CPP Card Protection
I was a Card Protection customer for over 30 years and found it such a reassuring service that if my handbag got snatched or I was robbed on holiday that I only had to make one call and all my cards and documents were dealt with. So I was really sad when CPP wrote and said that the product would be coming to a close at the…
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Blacklisted by Lloyds Banking Group plc?
I had my vehicle financed by Black Horse way back in April 2018. Fast forward to February this year, I made an inquiry to Black Horse finance in relation to car finance mis-selling after watching Martin Lewis show. An acknowledgement letter was received with a promise to look into the issue. Then on 11th of March, I did…
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Virgin Credit Card Application
I applied for a Virgin Atlantic credit card. Eligibility check said I was pre-approved. Went ahead with the application on Friday and got a decline email today. I have good credit history, also a relatively high credit limit among my 6 credit credit cards, but without much ultilisation. What is likely the reason? Anybody…
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JAJA balance transfer to another credit card
I wondered if anyone else was struggling to find a credit card that would accept a balance transfer from a JAJA credit card? I was previously with post office which has since switched over to JAJA. I was informed a couple of weeks ago my 0% rate was expiring and after trying to do a balance transfer to both a sainsburys…