The Martin Lewis Podcast Question Time: Is my energy bill wrong? Do credit cards repay 0% debt first? Is your AI investment a scam?
9 snips
Feb 16, 2026 Clear steps to check if an energy bill or meter is wrong and when to escalate. How credit card payments are allocated between 0% and regular balances. Warnings about flashy AI and trading schemes that use famous faces to scam people. What happens to cashback after a returned purchase. Top savings options for under-11s and a quick shout-out to classic sci-fi picks.
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Audit High Energy Use Systematically
- Check actual appliance usage by turning everything off and testing each device with your smart meter or in-house display.
- If you still see excessive use, contact your supplier, escalate to the Energy Ombudsman, or hire an energy consultant.
Continuous Heating Explains Huge Bills
- Heat-based devices running continuously often explain very large electricity and gas bills.
- Solar panels can complicate meter readings, so verify panels actually reduce recorded consumption.
Pay Cards In Full And Target High Rates
- Always pay a credit card balance in full to keep interest-free purchase periods and avoid interest charges.
- Prioritise repaying the highest-interest balances first because repayments target the highest-rate debt.
