Question Time: Cancel old credit cards? Martin: What 3 laws would you introduce? Pay v pensions?

In this episode of The Martin Lewis Question Time Podcast, Martin takes on your consumer rights questions including to cancel or not to cancel old credit cards, higher paycheck or higher pension contributions, and if Martin were King for a day, what three laws would he introduce? There's a question about the rules when it comes to paying tax on benefit payments, Martin explains the rules and regulations. With so many competing credit card providers, Martin takes a question on how's best to balance closing old cards with maintaining your credit score, and how to hope between different cards unscathed. There's a question asked about a showdown between an impressively high pension contribution versus a potentially massive increase in pay. Martin explains the pros and cons of each. There’s also a feel‑good moment, with a success story from a listener who successfully used Gift Aid on their charitable donations, and Martin delivers a little refresher on Gift Aid for those who want to use it to the fullest. Plus, Martin considers an alternate universe where he is in charge of Britain, and thinks of three laws he would enact for the good of the consumer. If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

You can listen to Question Time: Cancel old credit cards? Martin: What 3 laws would you introduce? Pay v pensions? online on Radio and Podcast. Open the player on this page to stream the available audio.

Question Time: Cancel old credit cards? Martin: What 3 laws would you introduce? Pay v pensions? is an episode from 5 live Consumer Team with Martin Lewis by BBC.

This episode is 32:39 long.

This episode was published on Jun 1, 2026.

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