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The Martin Lewis Podcast

Question Time: Is my energy bill wrong? Do credit cards repay 0% debt first? Is your AI investment a scam?

The Martin Lewis Podcast

BBC

Business

4.4929 Ratings

🗓️ 16 February 2026

⏱️ 36 minutes

🧾️ Download transcript

Summary

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: why is my energy bill so high, and how do I check if it’s right? If I’ve got 0% debt and normal debt on a credit card, which do they clear first? I’ve just seen you advertising ‘Quantum AI’ with a guaranteed £25,000 return! Is it true? (Spoiler: no, it’s a scam). If you’ve earned cashback, but returned the product, what happens? Can you tell me the best account for under 11s? Plus, beam me up, Martin, what’s your favourite sci-fi?

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 if he’s got a favourite flower, if he’s a proper romantic, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

Transcript

Click on a timestamp to play from that location

0:00.0

BBC Sounds, Music, Radio, Podcasts.

0:05.0

The anatomy of a scam on social media works like this.

0:12.0

I'm not quite sure why, but I do have two older brothers.

0:15.0

Short answer, yes, you would have to pay the entire balance off in full.

0:18.0

Well, I thought it was worth asking anywhere.

0:20.0

We're going to start from bases that you'd be using at least twice what a normal house uses. You can't make a meme out of me saying I don't know the answer. Hello and welcome to the cunningly named the Martin Lewis podcast. I do wonder what that's going to be about. And this is the question time episode where you get to ask me your questions on absolutely anything and everything, open brackets

0:38.3

within reason, close brackets.

0:40.1

This week, you asked me, why are my energy bills so high?

0:44.2

And how do I check if it's right?

0:46.0

If I've got 0% debt and normal debt on a credit card, which one of those do they clear

0:50.7

first when I make my repayments?

0:52.4

I've just seen you advertising quantum AI

0:54.9

with a guaranteed 25,000 pound return.

0:57.9

Is it true?

0:58.8

Spoiler, no, it's a scam.

1:00.3

Please be careful.

1:01.1

If you've earned cashback on a card,

1:02.9

but then return the product,

1:04.4

what happens?

1:05.5

What's the best savings account

1:06.9

for an under 11?

1:08.4

And, Martin,

...

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