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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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Unauthorised conversion into Sterling
What to do if a merchant makes an unauthorised conversion of a payment into Sterling on your card? Naturally, it's at a very poor rate. I have screenshots which show the EUR amount which I agreed to. I have complained to the merchant, who just keep referring me to their useless chatbot, and to curve, through whom I made…
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MSE News: Barclaycard's cutting minimum repayments – you could be in debt YEARS longer
If you've got debt on a Barclaycard, it's likely the minimum you have to repay each month will be cut from July, as the bank is changing how repayments are set for millions of customers. If you're unaware, and don't act, you could stay in debt for many years longer and pay possibly £1,000s more in interest. Read the full…
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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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Buying a Car on Credit Card?
Hi, My Credit Card has £5000 limit with 0% Interest on it for 12 months I think. If a find a used car for £5k, I know its gonna be tough to find for £5k because used car prices have nearly doubled in price after covid & inflation however Inflation will make my £5k debt cheaper over time. Does the 12 months 0% card offer…
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Card that can be used straight away?
I've been disorganised/too organised depending on which way I look at this! Last year I had a credit tidy up and cancelled unused credit cards. I thought I still had one kicking around for emergencies but turns out I didn't keep one open after all. I was hoping to pay a few quid of a holiday balance on one for the section…
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Keep Balance Transferring between two Cards
It's only a theory but could this work if the providers kept allowing the option for balance transfers: Say you have a BT option on one card with an unused credit limit of for this example £4,000. (Card 1) You are carrying a substantial balance on another card (Card 2) Card 1 allows you to complete a BT for a fee, so you…
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Credit cards: what issues should MSE be raising with the industry?
Hi all Here at MSE we sometimes have the opportunity to talk to industry bodies, and one of our colleagues will be talking to representatives of lenders very soon. We've already scoured the forum to spot recurring issues that would be worth highlighting, but if you've had a recent experience of dealing with a credit card…
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Will balance be automatically transferred when account is approved
I applied for a virgin credit card to get a balance transfer offer. They phoned me to confirm more details ( was the fraud team just checking details). I think at the time of application I just put the total amount of debt I have. The amount they have given me is less than my total debt on my two cards. I then got a…
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Beware Paypal Credit - Musk didn't become a billionaire for nothing
I've just had a shock to find I had nearly £2k worth of uncleared balance in my Paypal Credit. It started when I made a few large purchases a couple years ago on pay in 3 or 4, I assumed my payment to PP credit would be adjusted accordingly so I wouldn't incur interest. I also started using PP credit for smaller purchases…
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Barclaycard lowering minimum payment
Can someone check my maths? I've had an email from Barclaycard lowering my minimum payment My current minimum payment is 2.75%. I don't think that £240.31 is 2.75% of £7,500, and I also don't think 1% of £7,500 is £202.81. Unless I've misunderstood the email?
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Barclaycard Rewards replacement
Barclays have just sent me an email to let me know that "following a review of our credit card products" they are increasing my interest rates on my Barclaycard Rewards account. Now, I always pay my balances in full, but this is a hugely irritating increase, completely out of the blue. In the past their increases were more…
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Halifax Credit Card statements arent available for 2024
Hey everyone, I'm reaching out to see if anyone else is experiencing a frustrating issue with their bank regarding missing PDF credit card statements. Since the beginning of 2024, despite selecting online PDF statements as my preference, I haven't been able to download a single statement. When I log in, it simply says, "No…
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Debit Card with nominal balance
Is there any way you can have a DC with only a small balance. This would be used for buying coffees etc. when at a swimming pool. The fear of having card stolen from locker prevents my wife from taking hers with her. But is seeking an alternative for small purchases with little liability if lost/stolen.
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Halifax Clarity Card
is Halifax Clarity Card still a good card to take with you to spain? Thanks, Steve
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Paying council tax bill at post office using American express
Has anyone been successful in paying council tax bill at post office using American express?
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Nationwide Interest
Please can you tell if I am missing something. I paid my CC bill off the day before the payment was due as I always do. I opened this month's statement and found I have been charged interest. I've just phoned and they have told me that I will now have to pay interest on anything I buy on my CC even if I pay my bill off in…
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LBG change of address issue
I bought my current home about 6 month ago. Mortgage is with Halifax, so the address on my current account was changed without me doing anything. I was then reassured that I don't need to change the address on Bank of Scotland system. I cannot recall the details, but I somehow updated the address with Lloyds as well.…
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Just to double check
What would be the best option for us for going abroad? So we are are going abroad soon to Zante. I just want to know what's the best option for us. I have a barclaycard credit card with 4125 quid balance via a money transfer. The money transfer is 0 percent for a year as long as we pay the minimum. I have 874 quid left on…
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Santander credit card blocked
I just got a Santander Edge credit card and after four transactions (one chip and PIN, one contactless, two online) they have blocked it as they were worried about fraud. I am glad they are cautious, but this seems excessive. The only thing that could trigger a warning is that the contactless and first online were for…
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How to use credit cards to boost credit score
Hi there, It's probably been asked a million times before but here's my situation. As a married couple we're basically debt free aside from our mortgage. HOWEVER.. our credit rating is low for both me and my wife. We have access to the TransUnion credit rating system. On my personal credit rating it says I am not borrowing…