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How to make the most out of Black Friday and Cyber Monday -- Here's how to survive Black Friday (and the entire holiday shopping season) with your budget and personal data intact ... (See Holiday shopping) What protections do credit cards offer (besides Section 75)? -- Section 75 is a well-known credit card protection, but it's not the only one. Here are some lesser-known defences ... (See Card protections) Equifax reveals millions affected in data breach -- Millions of records were accessed and hundreds of thousands are at high risk after the Equifax data breach ... (See Data breach) Equifax suffers major breach - are you affected? -- A breach at Equifax exposed details of millions of US consumers - and some UK consumers. Here's what you need to know ... (See Equifax breach) Your credit limit: use it or lose it -- Thanks to new rules, you may find unused credit cards or credit limits taken away in the next few months ... (See Unused credit) What's safer: your card details or your health details? -- According to a study, more Brits trust their doctor than their card issuer. But is that mistrust unfounded? ... (See Data security) Section 75 and third parties: when you aren't protected -- Section 75 may not apply if the relationship between the debtor, creditor and supplier is broken by a third party ... (See Section 75) Online financial scams you should know about -- Online fraud is a huge issue, but with some preparation, you can avoid becoming a victim. Here's what you can do ... (See Online fraud) The 10 most common reasons why you're denied credit -- Knowing these common reasons for rejection can help you work toward an approval before you even apply ... (See 10 reasons denied) Industry responds to FCA's proposal on persistent credit card debt -- Here's what industry experts have to say about the FCA's proposal to help credit card consumers in "consistent debt" ... (See Industry responses) Open banking FAQs answered -- What is the new "open banking" initiative, how will it work and how will it benefit you? ... (See Open banking) FAQs on FCA, Labour proposals for helping consumers with persistent credit card debt -- The FCA is suggesting new rules for credit card companies to help those with "persistent debt". Here's what you need to know ... (See Persistent debt) What is SIM card fraud -- and how can you avoid it? -- While banks and phone companies are working to prevent SIM card fraud, you should take preventive steps, too ... (See SIM fraud) Your card's security code explained -- What is the short code on the back of your card called, why is it important and how is it evolving? ... (See CVV code) Why are some consumers still being charged high transaction fees? -- Despite rules regarding transaction fees, some companies are still tacking on too much to credit card purchases ... (See Transaction fee) What are banks doing to protect consumers from fraud? -- Bank and card fraud is big business. Banks have ways of protecting you -- but are they enough? ... (See Bank protections) Are premium credit monitoring services worth the cost? -- Credit bureaus offer paid credit monitoring services to alert you to suspicious activity -- but are they worth the cost? ... (See Credit monitoring) How the fight against fraud impacts card users -- Consumers aren't liable for fraud, but that doesn't mean they're unaffected. Banks struggle to balance safety with convenience ... (See Fraud fight) Why you shouldn't hand over your contactless card -- In a few places in the UK, you still have to hand over your card to pay -- but should you? Experts say no. Here's why ... (See Contactless safety) Protect your card details from smartphone malware -- Hackers looking to steal personal information are increasingly turning their attention to smartphones. Here are some risky behaviours to avoid ... (See Protect phone) New rules give consumers more insight about personal data -- Companies must be a lot more transparent with how they want to use your data. Those that don't will pay a high price ... (See Data rules) Know your fraudster: -- Banks are getting better at detecting fraud, but that just means fraudsters are more likely to try to get information straight from the source: you. Here are six types of fraudsters and how they operate ... (See Types of criminals and what they want from you Fraudster) Protect yourself from phishing and smishing -- Fraudulent email and text messages (known as phishing and smishing) have become increasingly sophisticated. Here's how these messages work, and some steps you can take to protect yourself from them ... (See Phishing and smishing) What to do if your data is part of a major breach -- With so many blue chip companies suffering data breaches in 2015, it's vital to know what steps to take if your information may be at risk. Here are five things you can do to keep your details safe ... (See Data hack) Beware fake social media customer service accounts -- While it can feel nice to vent your frustrations online to corporate social media accounts, be aware that Twitter and Facebook are hot spots for cybercriminals, too ... (See Fake profiles) Ex is an authorised user? They can spend, but aren't liable -- Breaking up with a partner is never easy, but if your monetary accounts are combined, even just as authorised users, things can get more complicated ... (See Ex authorised user) Fraud victims not liable for thief's charges -- usually -- If a fraudster uses your credit card, it's frustrating and inconvenient, but at least you're not liable for the costs -- right? Usually not, but in some cases, your bank could deem you responsible ... (See Fraud liability) Are you eligible for compensation -- About two million credit card holders can claim compensation for purchasing unnecessary credit card fraud protection. Here's how to determine if you're eligible for compensation, and how to file for it if you are ... (See for mis-sold fraud protection? Mis-sold insurance) Tough new EU rules aim to ramp up data breach protection -- Though security technology is advancing, hacking technology is, too. But businesses will soon have a new incentive to stay a step ahead of thieves: starting in 2017, failed data protection will come at a hefty price ... (See Data breach) PayPal vs. credit cards: Which is the way to pay? -- You might assume that when it comes to PayPal vs. credit cards, one is just as good as the other. While that's often the case, there are a few differences you should note ... (See PayPal vs. plastic) Your options if your card issuer changes your agreement -- If you've ever breached your contract on a special credit card deal, you know the issuer can take the deal away. But it's another thing if your see your terms and conditions changed for no apparent reason ... (See Conditions) 7 smart ways to use plastic on holiday -- Credit cards offer a number of travel-related protections and perks. Here's how to use your plastic to its full potential ... (See Plastic on holiday) How to get your credit report, score -- It's best to know what's in your credit report before a lender does. Here's a comprehensive guide to checking your credit reports and credit scores ... (See Credit report, score) OFT demands credit card surcharge transparency -- The Office of Fair Trading (OFT) has taken steps to address deceptive credit and debit card surcharging practices -- calling out travel companies in particular ... (See Credit card surcharges) Online shopping: More secure with prepaid cards? -- With online credit card fraud continuing to be a problem, some experts have urged consumers to consider prepaid credit cards as a more secure option for internet use ... (See Prepaid) A quick guide to instant credit cards -- If you're looking to transfer your balance to a lower rate card straight away, or if you don't want to wait to see if you're approved for a new card, then an instant credit card may be right for you ... (See Instant approval) Sony customers face further credit card privacy woes -- More Sony customers face potential credit card fraud. Customers of Sony Online Entertainment have been told their details may also have been lost in last month's widely reported breach of Sony's records ... (See Privacy breach) UK credit card fraud hits 10-year low -- All the credit card help and advice that consumers in the UK have received over the last few years may finally be paying off. According to new figures from the UK Cards Association, losses on UK credit card accounts affected by fraud have plummeted ... (See Fraud) Beware of fake Wi-Fi hotspots when making contactless payments -- If you use your smartphone to make credit card payments while in public, your card information could be at risk. New research has found that credit card fraudsters could potentially trap consumers by setting up bogus Wi-FI hotspots ... (See Security) Applying for a new credit card? Check your credit score first -- Credit card providers appear to be tightening their lending criteria, making it even more important for consumers to check their credit history before they apply ... (See Credit report) Budget 2011 provides some relief for families -- Several of the new budget measures will be welcomed by UK households; but experts say it could be some time before Brits notice any major changes to their finances ... (See Budget 2011) Mailed credit card offers frustrate consumers -- Not everyone welcomes the unsolicited credit card offers that flood their mailbox. New research from Callcredit shows that many people are put off by poorly-targeted credit card offers that arrive on their doorstep ... (See Card offers) Fraud figures show need for credit card security -- Avoid becoming a fraud victim by taking care when using credit cards online. Figures published by the EU statistical office highlight the importance of maintaining high standards of security when entering bank or credit card details ... (See Fraud) Watchdog group challenges card surcharges -- Consumer watchdog group Which? says that excessive surcharges on credit cards are unfair to consumers. ... (See Card surcharges) Issuers weak on card claim advice -- Consumer watchdog Which? finds that card issuers are not particularly helpful to consumers making claims for reimbursement ... (See Claim advice) New rules impact credit card lenders -- As of Feb. 1, new credit card consumer protections were introduced to increase transparency of credit card processes and agreements ... (See EU rules) Charitable giving through ATMs idea presented -- The Cabinet Office published some ideas to increase charitable giving and one of those is to allow donations at ATM machines ... (See Charitable giving ) British teen linked to $12 million card fraud -- A 19-year-old Briton is facing a long prison sentence after pleading guilty to masterminding a multi-million pound internet credit card scam. ... (See Credit card fraud) ID theft cover: Do you really need it? -- Is having credit card and identity theft cover really worth the cost? ... (See ID theft cover) U.K. credit card fraud on the decline -- With the advent of chip-and-pin technology and greater awareness of fraud by merchants, card fraud has seen a drop of 20% ... (See Credit card fraud) Did card reform not go far enough? -- Britons are eager to see the government introduce a rate cap on all forms of lending, such as credit cards, says a new study. ... (See Rate caps) Card customers protected against bankrupt Goldtrail -- Anyone who purchased a Goldtrail holiday with a credit card is entitled to a refund following the collapse of the company. ... (See Goldtrail) Prepaid cards replace credit for Internet porn -- A Labour MP has expressed his concerns about individuals using anonymous prepaid cards to view images of child pornography online. ... (See Prepaid cards) Credit bureaus to offer easy online access to credit reports -- Credit bureaus Experian, Equifax and Callcredit are now offering cheap, online access to UK consumer credit reports. ... (See Credit reports) Virgin Money changes credit card order of payments -- Virgin Money has already incorporated a new credit card regulation ahead of its official implementation in January. ... (See Virgin Money) Plastic card transaction fees stir debate -- The British Retail Consortium has criticised banks for 'excessive' debit and credit card charges, but the UK Cards Association has a different view.
... (See Merchant fees) Plastic card fraud up 40% from a year ago -- The number of credit card fraud victims grew to 2.41m in 2008-09 from 1.77m in 2007-08. ... (See Credit card fraud) Special police unit targets card fraud -- The Dedicated Cheque and Plastic Crime Unit has played a crucial role in tackling credit card fraud in the UK ... (See DCPCU) Britons careless with credit card pins -- One in 10 Brits write down their pin or pass it on to friends and family, increasing the occasion for fraud. ... (See Pin protection) Grounded fliers' card purchases protected? -- Britons whose flights have been cancelled as a result of the volcanic ash cloud should be eligible for a refund if they made the purchase on a credit card. ... (See Refunds) Credit card 'current address fraud' rising -- Credit card fraudsters are using increasingly sophisticated methods to target their victims, including acquiring up-to-date residence details. ... (See Address) New card laws don't offer instant relief -- UK credit card industry observers should be patient when they assess the impact of the recent regulatory changes announced by the government. ... (See Relief) Reactions to credit card industry changes -- New credit card laws have generated considerable debate. Credit card regulation changes announced by the government have prompted a number of industry players to offer their verdicts. ... (See Changes) Credit card rule changes approved -- The government has agreed to five new credit card industry regulations which should help struggling consumers. ... (See Rules) Credit card fraud on the slide in 2009 -- Credit card fraud declined by over a quarter in 2009. The amount of money lost as a result of credit card fraud fell significantly last year, according to new figures. ... (See Decline) Consumer choice key to better card rates? -- While some believe legislating the card industry is necessary, others think that consumers need to exercise their power of choice over credit cards. ... (See Rates) Is the alarm over chip and PIN justified? -- A study suggests chip and pin technology is fallible, but not all commentators are convinced that the flaw is a serious cause for concern. ... (See Alarm) New credit card lending appetite subdued -- Existing and potential credit card holders should expect lenders to be reticent about extending much credit in the coming months ... (See Lending) Chip-and-pin credit card flaw exposed -- Cambridge University scientists have uncovered flaws in chip and pin technology, but the UK Cards Association has dismissed the claim. ... (See Fraud) Credit card holders given more power in 2010 -- Consumers will expect more transparent, immediate communications and more guarantees of the security of their data as a result of the government's investigation into the regulation of the industry. ... (See Change) Couples warned over Valentine's credit card fraud -- Britons have been warned about the threat of credit card fraudsters as they buy gifts online in the run-up to Valentine's Day. ... (See Fraud) Sergeant stole money from husband's credit card -- A police officer from Staffordshire stands accused of stealing over £9,000 from the credit card of her husband ... (See Theft) New credit card protections advised -- The UK Cards Association is proposing a host of changes to help Britons manage their credit card debts more efficiently ... (See Changes) London credit card fraudsters sent to jail -- Two men from London have been imprisoned for their part in a credit card fraud operation. ... (See Jail) Late millennium bug disables German credit cards -- A computer fault relating to the new year has disabled millions of debit and credit cards in Germany. ... (See Bug) Credit card fraudsters target Scottish hotels -- Opportunistic thieves have stolen credit card and ID documents from some of Scotland's most expensive lodgings ... (See Fraud) Booking flights on credit cards 'is crucial' -- One holiday magazine highlights the value of booking flights with credit cards as a Scottish airline collapses.
... (See Flights) Credit card holders given BA strike hope -- Credit card holders who put their Christmas flights with British Airways (BA) on plastic could be entitled to a refund ... (See Strike) Card thieves battle it out on the internet -- Growth of malware infections, including those from botnets, have led to credit card criminals battling each other for control of victims' computers. ... (See Theft) Study: Americans check credit card statements more than Britons -- American consumers check their credit card statements more regularly than their British counterparts, a study reveals. ... (See Habits) Avoid these mistakes to keep your credit clean -- The various ways in which customers can inadvertently damage their own chances of successful credit card applications have been detailed in new analysis from Experian. ... (See Mail) Claimants await credit card debt decision -- Test cases to be heard in the High Court in Manchester will help to clarify the law on credit card agreements made before April 2007. ... (See Debt) Sterling is up 0.3% against the euro -- The pound has stabilised against the euro and the dollar on the back of news of strong retail sales in the UK. ... (See Sales) Credit card leak suspected in Spain -- Reports suggest that credit card payments details could have been stolen in Spain, in a leak which could potentially affect British holidaymakers. ... (See Breach) Credit card warning issued over fake Tamiflu -- Sites offering fake Tamiflu have been set up in the wake of the swine flu pandemic, increasing customers' risk of falling victim to credit card scams. ... (See Tamiflu) Online shopping safest with credit cards -- People interested in shopping online should use credit cards instead of debit cards to make their purchases. ... (See Holiday) Postal strike smokescreen for card thieves? -- Delays to mail deliveries might be providing a smokescreen for criminals, a credit reports firm has said. ... (See Theft) Credit card holders get more protection -- A new lending code that aims to improve protection for people with credit cards and other loan instruments has come into effect ... (See Code) BIS unveils major credit card proposals -- Significant changes for credit card terms are being planned by the government. ... (See Changes) Credit card customers targeted in widespread phone scam -- Asian communities and the elderly have been targeted by credit card fraudsters who trick them out of their PINs. ... (See Phone) Bank reforms could hit credit card firms -- Major changes affecting UK credit card providers have been recommended by the governor of the Bank of England. ... (See Changes) Call centres criticised for credit card policy -- Customer conversations with call centres containing sensitive credit card details are at high risk of fraud ... (See Security) New credit card laws effective Nov. 1 -- Credit cards, personal loans and debit cards will be affected by Payment Services Regulations changes, which come into effect on November 1. ... (See Credit) Credit card customers warned over dazzling teeth scam -- A scam involving teeth whiteners is being advertised on social networking site Facebook. ... (See Scam) Credit card theft may rise in recession -- Evidence from prior recessions shows that credit card fraud rates rise when the economy does badly ... (See Theft) UK credit card fraud losses decline -- The amount of money lost due to fraudulent credit and debit card activity fell by 23 percent in the UK during the first half of 2009 ... (See Decline) Reports highlight tight card markets -- Britain could face a contraction in credit provision due to financial losses at banks caused by rising customer defaults on credit cards and loans. ... (See Losses) Retailers fined for missing card protection checks -- Banks are enforcing safe credit card security practices by fining non-compliant UK retailers hundreds of pounds ... (See Fines) 'Clampi' computer virus infecting credit card users -- A computer virus known as 'Clampi' is infecting bank and credit card users in the UK, it has been claimed. ... (See Virus) Concerns flagged up over credit reports system -- Credit scoring rules in the UK might be unfairly penalising some card customers, it has been claimed. ... (See Scoring) City Hall plans credit card crackdown -- Tough new checks on corporate credit cards held by officials at London's City Hall have been proposed. ... (See City Hall) UK credit card laws likely to change -- Legislation on credit cards in the UK could soon be changed, reflecting the new U.S. Credit Card Accountability Responsibility and Disclosure Act (CARD Act). ... (See Change) Overseas credit card costs affected by market -- People using their credit cards abroad this summer could face increasing costs, due to a new weakening in the pound. ... (See Sterling) Celebrity sites often used by fraudsters -- Credit card fraud can result from casual web browsers clicking on links promising celebrity gossip, McAfee has pointed out. ... (See Gossip) Credit card providers note decline in lending -- New lending from credit card and loan firms fell in the second quarter of 2009. Stricter lending regulations are blamed ... (See Decline) U.S. fraud led to theft of 130m card numbers -- American law enforcement officials have hit a suspected credit card fraudster with a range of charges which could see him spend 20 years in jail. ... (See Theft) Acai berry weight loss fad gives rise to credit card fraud -- The acai berry's reported weight-loss powers bring scammers out of the woodworks. ... (See Fraud) Credit card parking ticket surcharge opposed -- A campaigner is calling for a class action suit to oppose the practice of charging surcharges on those who pay parking tickets by credit card. ... (See Surcharge) Credit card law should apply to all plastic -- Legislation protecting credit card payments from breaches of contract should be extended to debit cards, a consumer group asserts. ... (See Debit) Credit card customers conned by web domains -- Foreign vendors are fooling web shoppers, including those who pay by credit card, that they are based in the UK. ... (See Cons) Increase in credit card fraud in UK -- Credit card fraud and other financial scams are on the increase due to the recession, data confirms ... (See Crime) Card fraudsters target holidaying Brits -- UK residents going abroad for their holidays have been advised to be careful about their credit cards. ... (See Safety) Mobile alerts being trialled by Visa -- A new mobile alert system that provides credit card customers with full details of their transactions is being trialled by Visa. ... (See Trial) Brothers jailed for credit card fraud -- Three brothers from West London have pleaded guilty of perpetrating a £600,000 credit card cloning scam. ... (See Arrest) Deceased are new credit card fraud targets -- The latest credit card scam involves fraudsters who use details of people who have died to open accounts, according to a new report. ... (See Scam) Credit card firms need encryption strategy -- UK firms should employ encryption strategies in order to protect customer credit card details, a new report indicates. ... (See Fraud) Credit card security standard slammed -- The PCI Data Security Standard (PCI DSS) is facing criticism from industry professionals. ... (See PCI) London a hotspot for credit card fraudsters -- the top three postcodes for financial scams, including credit card fraud, are London SE18, IG11 and E6. ... (See Fraud) Card refunds not guaranteed in ID theft cases -- Customers are not guaranteed credit card refunds when identity theft occurs ... (See Refunds) Lack of credit choices could lead to unregulated lenders -- The Finance and Leasing Association (FLA) warns the struggling credit market could lead consumers into the hands of unregulated and irresponsible lenders. ... (See Credit) Debt Free UK advert misleads UK cardholders -- A debt firm's promise that it can help customers wipe out their credit card debts is misleading, consumer advocates say ... (See Misled) Prevent phishing fraud by exercising caution -- Web surfers should take extra care to protect themselves from "phishing" fraud, according to online payments provider PayPal. ... (See Fraud) DJs arrested for six-figure credit card scam -- An alleged £450,000 credit card con involving some of the world's most popular websites has been uncovered by British police. ... (See iTunes) Cards group publishes fraud advice guide -- The UK Cards Association published a fraud-busting guide for credit card customers traveling abroad. ... (See Fraud) Cardholder disputes favouring consumers -- Consumers are consistently winning in cases against credit card providers involving the Financial Ombudsman Service (FOS) ... (See Winning) New credit card aims to cut down fraud -- Visa is testing a new credit card which could help tackle the problem of card fraud by ensuring that a pin must always be entered for a transaction to take place. ... (See Visa) Rise in credit card fraud predicted for 2009 -- Most financial services firms believe that credit card and other types of electronic fraud will increase this year, according to a new study. ... (See Theft) Online credit card transactions causing concern -- The majority of British consumers do not feel totally confident when making online credit card transactions, new research has revealed. ... (See Fear) Credit card users 'keeping secrets' -- There are around 217,000 credit cards in the UK which are being kept hidden from their holders' partners, new research has revealed. ... (See Shhh) Tories outline credit card plans -- Consumers will receive warnings on credit card statements if the Conservatives come into power. ... (See Tories) 290,000 credit card numbers recovered by police -- A specialist police squad set up to deal with the problem of fraud has recovered 290,000 compromised credit card numbers since its inception. ... (See Fraud) Credit, debit card spending grew to £371.6bn in 2008 -- Consumers continued to spend more on credit and debt cards last year, a new report reveals. ... (See Credit, debit) Significant arrests made in credit card scam -- Progress has been made in catching fraudsters behind a credit card scam, according to the Dedicated Cheque and Plastic Crime Unit (DCPCU). ... (See Arrests) Contact centres not meeting PCI standards -- A new survey has revealed that many UK contact centres are failing to meet standards aimed at tackling credit card fraud. ... (See Fraud) No link between credit card APR and Bank rate, says trade group -- There is no link between the Bank of England base rate and the APR of credit cards, according to an industry group. ... (See Interest rate) Consumers fear recession will increase credit card fraud -- UK consumers believe that the recession will lead to increased incidences of credit card fraud and other forms of identity theft, a new survey has revealed. ... (See Fraud) Four credit card cloners head to prison -- Four fraudsters have been sentenced to a total of 18 years in prison after being found guilty of running a credit card cloning scam. ... (See Prison) Credit card shuffling practice in question -- Credit card shuffling could be outlawed under proposals to be put forward by Labour MP Andrew MacKinlay in parliament next week. ... (See Shuffling) Credit card details cost less than can of cola -- Online criminals are exchanging consumers' credit card and personal information for just 50p -- cheaper than a can of cola, a new report has revealed. ... (See Theft) No change to Bank base rate -- There will be no change to the Bank of England's base rate this month. The rate has steadily decreased over recent months, from 5% in October to 0.5% last month, the lowest it has ever been in the Bank's 315-year history. ... ( more) Office of Fair Trading to scrutinise credit card deals -- The Office of Fair Trading (OFT) is to make the regulation of the credit card industry a priority. ... ( more) Credit card rates not reflecting base rate cuts -- Credit card rates are not following the Bank of England's base lending rate cuts to consumers ... ( more) Credit card interest hike from HBOS banks -- Halifax and Bank of Scotland are currently upping the interest rates on their credit cards, a report has suggested. ... ( more) New rules on debt from credit card deals -- Credit card customers who are in financial difficulties are set to be given a 30-day period where they will not be contacted by a debt collection agency. ... ( more) Check credit card statements often to beat card fraud -- Keeping up to date with credit card statements can help consumers detect any potential incidents of fraud ... ( more) Credit card debt decreased in 2008 -- New research reveals credit card debt fell by £4.9bn. ... ( more) Credit card protections not extended to Paypal deals -- Consumers have been warned that they will not be protected by the Consumer Credit Act if they use credit cards with the online payment system Paypal. ... ( more) Chip and PIN combating fraud on credit card deals -- Chip and PIN technology is helping to fight credit card fraud -- despite the amount of losses from the crime increasing last year. ... ( more) Fraudulent credit card deals caught on film -- BBC reveals stolen credit card offers in India. ... ( more) Fraudsters target new mobile phone users -- Trading Standards is investigating a mobile phone insurance scam. Consumers have been told to be wary of fraudsters claiming to sell mobile phone insurance. ... ( more) Credit card industry concerned over consumer debt -- The UK's credit card companies are not ignoring the issue of consumer debt, according to a financial advice firm. ... ( more) New legislation to affect credit card deals -- The government is to introduce new legislation that will outlaw certain practices in the credit card industry. ... ( more) Aviation authority 'going back on credit card deals' -- Passengers told to seek compensation from credit card providers. ... ( more) Older Britons more aware of credit card protections -- Survey shows older Brits realise extra benefits of credit cards. ... (See Protection) Credit card fraud rises with recession -- Fraudsters are using the recession to gain credit card details. ... (See Fraud) UK debit and credit cards - Why chip and pin? -- Chip and PIN is part of an international initiative to combat credit card fraud; the UK was one of the first countries to roll it out. ... ( more)