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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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Tesco Credit Card Payment Issue
If you have a Tesco Credit Card and you paid your bill around 8th May check your bank account as they have a fault so they took the payment on 9th May AND again on 10th. My bill was £2800 as we had used it for normal shopping and bought some furniture we had saved for. We cleared the whole bill this week, today my bank…
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Credit card terms changing - closing accounts
Hi all, I have both an Aqua and Marbles card, both are provided by New Day. They're both very high interest (49.9%) and I struggle to make anything more than minimum payments most months. They're changing the terms and conditions slightly and I have until 30 June 2024 to decide if I want to close the accounts. They've said…
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Complaint to CC company - compensation mentioned
Hi all, I applied for a new 0% credit card on 28th March. Received confirmation of the application immediately and was advised I would hear within 5 days whether I'm approved. I went via MSE and did a pre-approval check so was fairly confident I'd be accepted as I have an excellent credit score, never miss payments etc. 5…
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Barclaycard Rewards Visa and US Car rental
The good news with this card is that we saved a fortune in transaction fees in a 3 week road trip across the USA this month. However - beware car hire companies!! Dollar, Thrifty and Hertz will not accept this card as it does not have a customer name on the front! Even though the card number and name are on the back! And…
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Barclaycard Freedom Rewards card
Just had the email from Barclaycard, the "Freedom Rewards Card" and scheme is closing. (Already not available to new customers). You can either close your card or move to "Rewards Card".
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118 118 Money will not let balance be moved to another provider
I have a credit card with 118 118 money and would like to move the balance to another card (FLUID) who are offering a 0% on balance transfers. I have the FLUID card set up but when requesting the balance transfer 118 188 money are saying no, saying that personal data information does not match - we have checked and 118 and…
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Too many new accounts opened, how long does affect last?
I've been a bit foolish and opened multiple accounts/cards at the same time taking advantage of various offers. This is despite there is virtually no credit being used on them. I have just tried to get a personal loan at a reasonable rate and been declined several times, along then with having the Hard Searches. My 'credit…
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Taking out new credit card deals
I have 2 CC. One that I have with Barclays for 20years. My main bank is now Lloyds for some time I took out a interest free deal about 3 years ago. I don't have any debt on the cards. I'm expecting a fair amount of spending soon and thought I should take out a new deal. Question is what shall I do with my existing cards?…
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Interest free CC and obtaining a 20 to 30k credit limit at application
Hi We currently have a mortgage circa 220k around 50%LTV. This includes a Further advance for home improvements currently undergoing. We want to raise some further capital for Windows kitchen etc. Can see barclaycard and Marks and sparks have 19 or upto 21 months Int free. So the big question how can we achieve a high…
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Order in which items are paid off when paying credit card balance
I have a 0% balance transfer credit card onto which I have transferred a few balances (around £6000) within the required timeframe. The offer is that as long as I pay the minimum amount each month, I will pay no interest for 13 months. That part is all clear to me and I have set up a direct debit to pay the minimum amount…
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Credit Card - Default and future Payment
Hi all I hope someone can help. The debt in question stems from a Capital One credit card, and due to unforeseen circumstances including job loss, my last payment was made in March 2018. Subsequently, I have had no further communication or transactions with Capital One. I understand that a default was placed on the account…
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PayPal credit and increasing limits
Hello everyone: Firstly I would like to point out that I know people do get into trouble with PayPal credit and that it is a frequent topic of conversation on the Debt Free Wannabe forum. However, I have switched on the notify me if you want to increase my credit limit thing and I have accepted limit increase from 800 odd…
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Personal Load or 0% Purchase credit card
I am at the end of my PCP contract for my car and it's now time to pay the final payment and keep the car. I've been debating if it will be wise to pay the lumpsum of 12k through personal loan or should I take out a 0% purchase credit card. I have been saving for this and it's not availablily of funds but rather making…
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Debenhams credit card new points system
I've had a Debenhams credit card for quite a few years after a cashier in store suggested I get one to take advantage of the discount that was on offer at the time. I still have the Debenhams credit card, and recently they've brought back points, which can be converted to a voucher to spend online at debenhams.com. I just…
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Defective Barclaycards
Defective Barclaycards. Despite being placed - in my wallet - alongside my credit cards with other institutions, my most recent three Barclaycards have only lasted a couple of months before they have become defective (unable to be read at ATM/EPOS systems). Am I unlucky or are others experiencing this problem?
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buying a gift from Amazon US for friend in US - best way to pay?
Hi All, I'm buying a surprise gift for a friend who lives in the US. I can get this via Amazon and because I'm spending over $35 it's free shipping. Great. But then it gets to the paying for it bit. I'm using my UK credit card and the site asks if I want them to convert the amount into GBP (for a fee) or do I want to pay…
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lloyds bank taking the micky with credit card
Has with a lloyds credit card , had them take the micky with intrest rates and nearly double it for no reson. Iv had one of there platinum cars at 10.8 apr and aways pay off in full. as soon as i made a large purchase, they tryed a rug pull and nearly doubled the apr to 18percent. little did they know i was still intending…
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Balance transfer
Hi, if I do a 0% credit card balance transfer, and the offer is for say 20 months, but the purchase offer is only for 6 months, so after 6 months if I purchase something the interest is only applied to the purchase, not the whole balance? I realise the point of the balance transfer is to have no interest so make it a…
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Credit Cards vs Debit cards rewards/ interest
Hello! We have about 20k in the bank ready to spend on our house - namely White goods, decoration, sofas etc (no building work) Is it better to keep the money in a high interest savings account, and get a credit card with rewards - pay for the goods through the credit card - which we would pay back monthly IN FULL via the…